In addition, we have established a Community Depository Institution Advisory Council (CDIAC) made up of community banks, thrifts, and credit unions to advise the Board about issues facing smaller institutions.2 But I want to also be clear that any opinions I express today are my own and may not reflect those of other members of the Board.
Regulatory capital proposals Let me turn now to the capital proposals. As we enter the final deliberative phase of this rulemaking, I want to emphasize that the feedback we have received during the comment period has been extremely valuable and that we will work very hard to address your concerns in the final rules.