2013 TESTIMONY November 19, 2013: Senate – Hearing on The Present and Future Impact of Virtual Currency – Testimony of David Cotney June 18, 2013: House - Hearing on The Ability-to-Repay and Qualified Mortgage Standard Final Rule - Testimony of Charles Vice, Kentucky 2012 TESTIMONY November 29, 2012: House - Hearing on Examining the Impact of Proposed Rules to Implement