Letter to the Honorabe Jelena McWilliams, Chairman for the Federal Deposit Insurance, the Honorable Joseph Otting, Comptroller for the Office of the Comptroller of the Currency, the Honorable Mark McWatters, Chairman for the National Credit Union Administration, the Honorable Mick Mulvaney, Acting Director for the Bureau of Consumer Financial Protection, and the Honorable Jay Clayton, Chairman for the Securities and Exchange Commission - Luetkemeyer Calls on Regulators to Define Line Between Guidance and Rulemaking