Way back in 1948, while addressing the conference on All India Education, Maulana Azad had stressed that “…we must not for a moment forget, it is a birth right of every individual to receive at least the basic education without which he cannot fully discharge his duties as a citizen”.
As a final point, I would like to stress that supervisors at all five federal banking agencies, including the NCUA and the Federal Reserve, aim to implement the guidance as consistently as possible across institutions, since we do understand institutions' concerns about this issue.