Good morning. Thank you very much, Yolanda [Scott], for your very kind introduction. And thank you, Hudson [Hollister] and John [Runyan], for your tireless efforts to transform government information into open data. I am grateful for your invitation to address this conference today. Questions of FinTech and RegTech have been paramount in my mind and, I think it is safe to say, the minds of my fellow Commissioners in recent months.[1]
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