[Congressional Record Volume 158, Number 153 (Monday, December 3, 2012)]
[House]
[Pages H6580-H6584]
From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]
ELIMINATE PRIVACY NOTICE CONFUSION ACT
Mrs. CAPITO. Madam Speaker, I move to suspend the rules and pass the
bill (H.R. 5817) to amend the Gramm-Leach-Bliley Act to provide an
exception to the annual privacy notice requirement.
The Clerk read the title of the bill.
The text of the bill is as follows:
H.R. 5817
Be it enacted by the Senate and House of Representatives of
the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the ``Eliminate Privacy Notice
Confusion Act''.
SEC. 2. EXCEPTION TO ANNUAL PRIVACY NOTICE REQUIREMENT UNDER
THE GRAMM-LEACH-BLILEY ACT.
Section 503 of the Gramm-Leach-Bliley Act (15 U.S.C. 6803)
is amended by adding the following new subsections:
``(f) Exception to Annual Notice Requirement.--A financial
institution that--
``(1) provides nonpublic personal information only in
accordance with the provisions of subsection (b)(2) or (e) of
section 502 or regulations prescribed under section 504(b),
``(2) does not share information with affiliates under
section 603(d)(2)(A) of the Fair Credit Reporting Act, and
``(3) has not changed its policies and practices with
regard to disclosing nonpublic personal information from the
policies and practices that were disclosed in the most recent
disclosure sent to consumers in accordance with this
subsection,
shall not be required to provide an annual disclosure under
this subsection until such time as the financial institution
fails to comply with any criteria described in paragraph (1),
(2), or (3).
``(g) Exception to Notice Requirement.--A financial
institution shall not be required to provide any disclosure
under this section if--
``(1) the financial institution is licensed by a State and
is subject to existing regulation of consumer confidentiality
that prohibits disclosure of nonpublic personal information
without knowing and expressed consent of the consumer in the
form of laws, rules, or regulation of professional conduct or
ethics promulgated either by the court of highest appellate
authority or by the principal legislative body or regulatory
agency or body of any State of the United States, the
District of Columbia, or any territory of the United States;
or
``(2) the financial institution is licensed by a State and
becomes subject to future regulation of consumer
confidentiality that prohibits disclosure of nonpublic
personal information without knowing and expressed consent of
the consumer in the form of laws, rules, or regulation of
professional conduct or ethics promulgated either by the
court of highest appellate authority or by the principal
legislative body or regulatory agency or body of any State of
the United States, the District of Columbia, or any territory
of the United States.''.
The SPEAKER pro tempore. Pursuant to the rule, the gentlewoman from
West Virginia (Mrs. Capito) and the gentleman from California (Mr.
Sherman) each will control 20 minutes.
The Chair recognizes the gentlewoman from West Virginia.
General Leave
Mrs. CAPITO. Madam Speaker, I ask unanimous consent that all Members
have 5 legislative days in which to revise and extend their remarks and
include extraneous material on this bill.
The SPEAKER pro tempore. Is there objection to the request of the
gentlewoman from West Virginia?
There was no objection.
Mrs. CAPITO. Madam Speaker, I yield myself such time as I may
consume.
I would first like to thank Mr. Luetkemeyer and Mr. Sherman for
authoring the bill before the House today. I would also like to thank
Mr. Luetkemeyer for his hard work on the Financial Institution and
Consumer Credit Subcommittee, where he has championed many initiatives
to provide commonsense regulatory relief for small financial
institutions.
The House of Representatives has already passed one bill to remove an
outdated requirement for duplicative disclosure of ATM fees on the
machines--commonsense reform. I urge our colleagues in the Senate to
pass both of these bills to provide this commonsense regulatory relief
for banks and credit unions across the country.
I know Mr. Luetkemeyer shares my concerns that in recent years
Federal financial regulatory agencies have piled on more regulations
without properly assessing the current regulatory regime to remove
outdated, unnecessary, or overly burdensome regulations. Last year,
members of our
[[Page H6581]]
House Financial Services Committee urged the Treasury Secretary to make
good on a promise from the summer of 2010 to take care, as the Dodd-
Frank Act was implemented, to ensure that Federal agencies conducted a
thorough assessment of the current regulatory structure, to ensure this
opportunity to truly modernize and streamline the Federal code. We
wanted to make sure this opportunity was not missed. Although Secretary
Geithner claims that this streamlining is a priority, we've really seen
very little progress on this front.
H.R. 5817 provides an example of how both sides can come together--
and I would like to thank Mr. Sherman for his work on this as well--to
identify outdated and duplicative regulatory requirements. Under
current law, financial institutions are required to provide annual
privacy notices to their customers that explain all of their
information and practices. Financial institutions are required to mail
those notices regardless of whether or not the information-sharing
practices have changed. These annual mailings cost millions of dollars
each year and do not provide consumers with new information if the
financial institution has not changed their practice.
The legislation before us today will require a financial institution
to provide annual privacy notices only if they have changed privacy
policies that affect the customer. This is an important, commonsense
bill that will provide further clarity to customers and consumers and
eliminate an unnecessary regulatory burden for our financial
institutions.
Again, I would like to thank Mr. Luetkemeyer and Mr. Sherman for
their leadership on this issue, and I reserve the balance of my time.
Mr. SHERMAN. I yield myself such time as I may consume in support of
H.R. 5817, the Eliminate Privacy Notice Confusion Act. I want to thank
Representative Luetkemeyer for his work in introducing this bill. I've
enjoyed working with him on it.
Madam Speaker, this is commonsense legislation that makes a minor
change to our banking laws to revise a very costly and unnecessary
requirement that financial institutions such as banks and credit unions
and other depository institutions must send each of their customers a
copy of their privacy policy every year, even when that policy hasn't
changed from the prior year when they got the same exact privacy
notification. For banks, credit unions, and other financial
institutions of all sizes, this means spending a small fortune to
reprint millions of complicated and long documents, then mailing them
to every consumer, even when there's been no change in the policy.
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It is disadvantageous not only because of the time and cost in
mailing these--and the trees that are no doubt consumed--but also
because customers have no way to separate the wheat from the shaft.
They're getting these notices every year from every financial
institution with whom they have dealings without any indication as to
whether there's been a change from the privacy policy that they
received just a year ago. By sending out less, we attract attention to
those situations where there's been a change in the privacy policy.
Our bill makes a simple fix to this problem, requiring financial
institutions to provide their customers with this additional
notification only when there's been a change that affects the policy or
practice as it relates to that consumer. As a result, consumers will
know that the privacy notices that arrive in their mailbox actually
require their attention. And banks, credit unions, other financial
institutions that have been spending millions of dollars to mail out
duplicative notices and redundant notifications each year can redirect
those savings back to providing for the consumer, to their community,
or to loans to help our economy grow.
Madam Speaker, I want to thank, as I did at the beginning of my
presentation, our colleague and chief sponsor of this bill,
Representative Luetkemeyer of Missouri, and thank him for his
leadership on this issue. I also want to thank our long-time colleague,
ranking member of our Financial Services Committee, Barney Frank, for
his work in getting us to this point where we can consider this bill on
the floor today.
I will, in short order, be asking for a recorded vote on this bill,
not because it needs a recorded vote, but because I've been informed by
my leadership that it's important to this House that we have time on
the floor tomorrow to confer with each other on Members and that we
have a sufficient number of recorded votes. So my colleagues should not
interpret my request for a recorded vote as any statement that this
bill is something we have to go on record on or that I would disagree
with the outcome of any voice vote, but simply as an act of
collegiality, showing that I think we ought to spend more time with
each other on this floor tomorrow, and I know we will all enjoy that
process.
With that, I reserve the balance of my time.
Mrs. CAPITO. Madam Speaker, I would like to yield such time as he
wishes to consume to the principal sponsor of this bill, a great member
of the Financial Services Committee, the gentleman from Missouri (Mr.
Luetkemeyer).
Mr. LUETKEMEYER. Thank you, Chairwoman Capito, for yielding.
Also, I want to thank Mr. Sherman for his fine remarks. We certainly
will take no offense to a recorded vote and will not oppose that. We
understand and support collegiality among ourselves, especially in this
time when it seems to be more partisan and toxic than it is friendly,
so no problem there, Representative.
I rise today in strong support of H.R. 5817, the Eliminate Privacy
Notice Confusion Act. I introduced this legislation earlier this year
in an effort to reduce yet another unnecessary burden facing consumers
and financial institutions alike.
Under current law, financial institutions of all sizes are required
to provide annual privacy notices explaining information sharing
practices to all customers. Banks and credit unions are required to
give these notices each year even if their privacy policies have not
changed in the slightest. This creates not only waste for financial
institutions, but confusion among and increased indirect cost to
consumers.
H.R. 5817 would require institutions to provide privacy policy
information to their customers only if they've changed any policy or
practice related to that customer's privacy. This bill would eliminate
millions of costly, confusing, and often ignored mailings that cost
millions of dollars to produce each year. And with passage of this
bill, information included in these mailings would likely be more
significant to the consumer because they would only come after a change
in the privacy policy.
Again, I want to remind my colleagues that this legislation
specifically ensures that a financial institution cannot be exempted
from annual privacy notices if that institution changes in any way its
policies or practices related to the disclosure of nonpublic personal
information.
This legislation is supported by Independent Community Bankers of
America, the Credit Union National Association, the American Bankers
Association, and the National Association of Federal Credit Unions,
among others.
Again, I want to thank the gentleman from California (Mr. Sherman)
for his fine support and his good work on this issue. Also, I want to
thank Chairman Bachus, Ranking Member Frank, Chairwoman Capito, and
Ranking Member Maloney for their assistance in ensuring that this
legislation passes without delay. This commonsense legislation has
garnered widespread bipartisan support, and I urge my colleagues to
join me in supporting its passage.
Mr. SHERMAN. I'll take a minute to put into the Record the statements
of Adam Levitin, a professor of law at the Georgetown University Law
School, in support of this bill. He came before our committee in May of
2012 and stated ``there are unquestionably financial regulations that
do little other than add to regulatory burdens.'' He cited, in
particular, the provision that this bill addresses, and said: ``I would
also urge the elimination of the privacy disclosure requirement even if
there is no substantive replacement for it.'' But then he added: ``And,
at the very least, eliminate the requirement of an annual
[[Page H6582]]
disclosure when there has been no change to the policy.'' I couldn't
agree more with the professor.
SMALL BANKS' REGULATORY BURDENS
While many small banks and credit unions believe that their
regulatory burden is too great, it has little to do with the
Dodd-Frank Act. Therefore, concerns about the regulatory
burdens on small banks do not provide a good justification
for altering or repealing provisions of the Dodd-Frank Act.
If there is a problem with the burdens created by specific
regulations, then by all means, we should reexamine those
regulations and decide if they make sense.
There are unquestionably financial regulations that do
little other than add to regulatory burdens. For example, the
Gramm-Leach-Bliley Act/Reg P privacy disclosures create an
ongoing regulatory burden for financial institutions, which
have to craft their privacy policies and send annual
disclosures to consumers, irrespective of whether there have
been changes to the policies. Yet the benefits from these
disclosures are at best small and likely non-existent or
negative; few consumers read the policies, and they cannot be
negotiated. Gramm-Leach-Bliley Act privacy disclosures
instead substitute for meaningful substantive privacy
protections. While I would urge Congress to consider more
substantive privacy protections rather than mere disclosure
that there are few protections, I would also urge the
elimination of the entire Gramm-Leach-Bliley Act privacy
disclosure requirement even if there is no substantive
replacement, and, at the very least, eliminate the
requirement of an annual disclosure when there has been no
change to the policy.
Madam Speaker, I yield 4 minutes to the gentleman from Massachusetts
(Mr. Markey).
Mr. MARKEY. I thank the gentleman very much.
The language which is in question here is language which was spurred
by Mr. Barton and I in 1999 as part of the consideration of the Gramm-
Leach-Bliley bill. The language for privacy, none had been included in
the Senate and none had been included in the rest of the process. But
as the bill came to the Energy and Commerce Committee in 1999, Mr.
Barton and I, we added privacy language, believing that as companies
are able to consolidate banking records, insurance records, brokerage
records, the physical examinations of customers and their medical
secrets, that there should be privacy here. We were no longer talking
about just going into a bank and having old Mr. Wentworth there that
you and your family had known your entire life, and you trusted Mr.
Wentworth, and there was actually a whole long family history. That is
no longer the case. We are now basically living in a world where we
have moved from an era of privacy keepers to privacy peepers and data-
mining reapers trying to create profiles of people, using all of their
financial information as a way of basically making their companies more
efficient, but simultaneously compromising the privacy of families all
across our country. So, while ultimately the language which Mr. Barton
and I included on the House side in Gramm-Leach-Bliley was watered down
in the final compromise, that's the privacy that's in the bill.
So, one of the things, of course, that I believed and Mr. Barton
believed was that people should get the information that their privacy
could be compromised by these now huge mega-banks.
{time} 1620
So what this bill is saying is, you don't have to notify people of
that each year. You don't have to tell them. If they didn't figure that
out when the bank first signed you up as a company, they never have to
tell you again because they notified you once right there in the
beginning.
Ladies and gentlemen, the amount of information which we get at home
from these banks, massive, as you know. You open up your mailbox every
day, and there's like 25 solicitations from financial institutions all
across the country. They've got loads of money to do that, loads of
money. You look at their TV commercials, loads of money. ``You're in
safe hands when you give your family's wealth over to this financial
institution.''
But if you ask them to just provide a scintilla of information on
what privacy rights they have in terms of protecting all of their
family secrets inside of that financial information, the banks say, Oh,
no, that's too expensive. We can't do that. How can you afford that?
So this just gets right back to the same argument that we had during
Gramm-Leach-Bliley, the same exact debate, the same exact terms. And
all I can tell you is, there's a looming privacy catastrophe coming in
this country. People just don't understand the full consequences of
what this new cyberworld makes possible in terms of the compromise of
information.
You know, when you're writing out the information to buy the Ritalin
for your child, that's a check that the bank has. There it is. You
haven't told anyone else in your family that you have a daughter who
needs it. All of this has to be told to the public on an ongoing basis.
I urge a ``no'' vote on this suspension.
Mrs. CAPITO. Madam Speaker, I yield 2 minutes to my friend from Texas
(Mr. Barton).
Mr. BARTON of Texas. I thank the gentlelady from West Virginia for
her courtesy. She didn't have to yield me time since I'm in opposition
to the bill, and I appreciate it.
I am in opposition to this bill, although it is very well-meaning and
well-intentioned. Who could be opposed to saving some money for our
struggling financial institutions when they have to send out these
privacy notices? And for the smaller institutions, there's no question
that they're very expensive.
The problem is that you can't just give away your privacy rights. And
while this bill does nothing about the underlying issue of privacy, it
does, at least, require that once a year, banks and financial
institutions subject to Gramm-Leach-Bliley inform people that there are
some privacy protections in the law. I don't think they're very strong.
I think they need to be upgraded. And Congressman Markey and I, who are
cochairmen of the bipartisan Privacy Caucus, have legislation that does
that.
Having said that, we should not willingly give up the privacy
protections that we have. And this bill would eliminate a requirement
of notification, which is, I admit, not the same as reducing the
privacy that is in the law. But when you start down that slippery slope
where you know that you don't have to notify of privacy protection, the
next step is to not even have privacy at all. So I do oppose this
bill--respectfully so--and would ask for a ``no'' vote when we call for
the yeas and nays.
Again, I want to thank the gentlelady for her courtesy, and I commend
the sponsor for his efforts on the bill.
Mr. SHERMAN. I rise again in support of this bill, and I yield to no
Member in terms of my dedication to privacy.
If this bill passes, you're going to get notification of what the
privacy rules are when you start with the financial institution. You
are going to get notified every time they make a change. And you are
going to be notified any time of the night or day when you simply go
onto the Web site and look at the required privacy notification.
When Gramm-Leach-Bliley was passed, not everybody had access to the
Internet. I realize today not everybody does. But a much larger
percentage of Americans are familiar with the Internet, have access to
the Internet, and know that if they want to see the privacy
notification, the privacy rules of their financial institution, it's
there on the Internet in a way that most Americans are going to have
easy access to.
The idea that you are mailed a copy of something you've already been
mailed a copy of, which hasn't changed, that does little or nothing to
provide additional privacy, except that we can say, Oh, we're for
privacy.
If we want to protect the privacy of our constituents, we ought to do
so in a meaningful way, not to simply say, The same thing you got a
copy of a year ago today, which is available to you any time of the day
or night, is something we're going to chop down some more trees and
send you a copy of again. And that's the best idea we can come up with
to protect your privacy.
I think, instead, we ought to pass this bill, know that we've given
everybody a copy of the privacy policy of the financial institution on
paper, that they get another paper notice if there's any change, and
there is a continuous notice on the Internet every day of the year,
every night of the year.
With that, I yield 1 minute to the gentleman from Massachusetts.
Mr. MARKEY. For the record, for anyone who's listening, the American
Civil Liberties Union opposes this; the
[[Page H6583]]
American Library Association opposes this; the Consumer Union opposes
this; the Liberty Coalition opposes this; and the Coalition for Patient
Privacy opposes this.
And the reason is this: You signed up with a bank 10 years ago--
Megabank Inc. They sent you a privacy notice. Then every year for the
next 10 years, they buy a new entity that locks right in as an
affiliate. And you've already signed off on everything they do, but
they don't have to notify you that this new entity, this new affiliate
is going to have a totally new use for that information. But you are
supposed to have already been notified in 2002.
Moreover, ladies and gentlemen, why can't they just email this notice
each year to people? Why can't they just email it to people? ``Here's
your privacy.'' And every year it goes out. No tree is chopped down.
There is nothing done that affects the environment. Everybody just gets
the email each year. ``Here are your privacy rights.'' And it goes in a
separate email so that everyone is really getting the opportunity to
single it out. It doesn't cost anything. It gives everyone all the
information they need.
Mr. SHERMAN. I thank the gentleman for his presentation.
I would be happy to cosponsor legislation to require an email
notification once a year to every customer who's willing to provide
their email address to the financial institution. There are some who
would say, I don't want to give my email address to my financial
institution. But to everybody who is willing to provide that email. I
couldn't agree with you more. If this was done by email, it ought to be
done at least annually.
I look forward to joining with the Members who are here in this room
and are interested in requiring an annual email notification. I don't
know if the sponsor of the bill would be interested in that. But I will
join the gentleman from Massachusetts in legislation on that.
But let's act today to end the expensive and resource-consuming
annual paper notification.
And with that, I reserve the balance of my time.
Mrs. CAPITO. Madam Chair, I yield such time as he may consume to the
gentleman from Missouri, the principal sponsor of the legislation.
Mr. LUETKEMEYER. I thank Chairwoman Capito.
I would like to respond to some of the comments that have been made.
First, I want to thank the gentleman from Massachusetts (Mr. Markey)
and the gentleman from Texas (Mr. Barton) for their work on the privacy
notice and protection of our private information. I think it is
extremely important, and I applaud those efforts, and I support those
efforts.
If you will look at this particular bill, this is not an effort to
thwart any sort of ability for people to protect their private
information. Within the privacy law, there are all sorts of other
protections. So it doesn't change one single dot of an I or a cross of
a T on the rest of the notifications there, whether it deals with the
kind of information you can collaborate on or the different kinds of
information that you can be a part of.
{time} 1630
All it does is just say that the notification that is supposed to be
required annually is not made unless there is a change.
The gentleman from Massachusetts made some comments with regards,
Madam Speaker, to the amount of mail that he gets from the banks.
That's not necessarily something that is the compliance area; it's
called marketing. Whenever they're trying to market for their credit
cards or market for their services, that's part of their marketing
budget. That's where those dollars come from to be able to do those
things. That's part of being a business.
When it comes time for an individual to be notified of changes, such
as you merge another bank or another institution with others and you're
one of the individuals whose institution was bought out, you will
receive a new notice because obviously there will be a change in the
information that's going to be held by the banks. You'll be notified of
that because it is a significant change.
I'm not sure that the gentlemen that spoke in opposition have quite
thought through their arguments. Basically, all we're doing is allowing
for some bookkeeping things to be done here. We're not impacting the
individual's privacy at all. I think if you went on the street and you
asked 10 people whether they thought this was a good idea or not, I
guarantee there would be at least nine, and probably one would say, I
can take it either way. I don't see any opposition from the consumers
themselves whenever they're actually paying for these notices through
higher charges through their bank accounts.
I think that there is a lot of good we're trying to do here. We're
not trying to change the world. All we're trying to do is continue to
protect the integrity of the information the banks and credit unions
are holding on these individuals and provide for the ability of those
institutions to do it in a more effective and cost-effective manner.
Mr. SHERMAN. Madam Speaker, I yield myself such time as I may
consume.
I would just state that I agree with the gentleman from
Massachusetts, that we ought to require email notification of what the
privacy policy is annually as a good compromise. I would hope that some
of the others here on the floor would take a minute to comment on that,
or I would yield to them. Obviously, such an email could be sent only
to those customers who voluntarily provide their email address to the
financial institution.
When you look at the idea of an expensive postal mailing using
resources to provide an exact copy of something that was previously
mailed in hard copy on paper to the same consumer a year earlier, on
balance, that is not a good use of societal resources nor a good use of
most consumers' time. I think the fact that these policies are up on
the Web and available whenever somebody takes an interest in them is
also important.
With that, I reserve the balance of my time.
Mrs. CAPITO. Does the gentleman have any more speakers? I'm prepared
to close if you're prepared.
Mr. SHERMAN. I have no further speakers, and I yield myself such time
as I may consume.
I would just add that there are many of us who are dedicated to
privacy, but not every privacy requirement makes sense. Here's a case
where people are notified on paper.
Finally, I want to address the gentleman from Massachusetts' comment
that maybe when you were notified on paper your financial institution
only had two or three subsidiaries and 10 years later they have several
more subsidiaries with whom they may share information. The fact is
that isn't disclosed in another copy of the financial institution's
privacy policies. It may, in fact, be that your financial institution
is offering more products, sharing your information with more
subsidiaries. But voting down this bill is not a solution to that
issue.
What is a solution is to have a policy where you have to send it in
writing once, send it in writing when it changes, provide it on the
Web. And I would join with others, I would hope, in introducing
legislation requiring annual email distribution.
With that, I have no speakers, I have no further comments, and I
yield back the balance of my time.
Mrs. CAPITO. Madam Speaker, I recognize myself just simply to close
to say privacy is an issue that is of concern to all of us. In these
new ways of communicating that we have--and we can only imagine in our
future--I think it becomes more and more difficult.
I would respond to the gentleman from California when he says that
email notices--I haven't discussed it with the bill's sponsor. I
wouldn't have an objection to that. However, many of us live in areas
where the penetration of email is not like it is in California or
Massachusetts or probably areas of Texas. There is a long way to go
before that could be. Maybe next time this is debated in 10 years or
whatever, that would be the norm. So I would make sure that that option
for those who want to receive the paper can still do this.
Frankly, I think we're overcomplicating this issue. I think it is a
commonsense revision. If we took the gentleman's 10 people that he met
on the street and said, What would you think if the bank didn't mail
these privacy
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notices to you every year, if he further questioned them and asked them
how many read these point by point--and I put myself in this category--
it is probably very small, as well. Not to say that it doesn't need to
be publicly available. When changes are made, we have to have public
notification. I agree with that.
But I do believe, serving on the Financial Services Committee, I
think it's become very apparent, when you talk to institutions and when
you talk to customers that the piling on of new regulations, without
weeding out some of these old regulations that have either been
antiquated or duplicative or repetitive or wasteful or whatever, is
burdening not just the institution, it is burdening the customer, too.
I'm not sure it gets the wanted understanding of what's going on to the
customer that we're trying to achieve here, and I do believe it's been
overcomplicated.
Mr. SHERMAN. Will the gentlewoman yield?
Mrs. CAPITO. I yield to the gentleman from California.
Mr. SHERMAN. This bill was passed by the House as part of a package
on March 8, 2006; this bill was pretty much in this exact form and was
passed by this House June 24, 2008, as part of a package; then finally,
as a separate bill, H.R. 3506 was passed by this House on April 14,
2010. So the House has a strong record of passing this legislation, and
I hope we continue to do so.
With that, I thank the gentlelady for yielding.
Mrs. CAPITO. I thank the gentleman for bringing that up. I think it's
an important point.
With that, I urge support of this bill, and I yield back the balance
of my time.
The SPEAKER pro tempore. The question is on the motion offered by the
gentlewoman from West Virginia (Mrs. Capito) that the House suspend the
rules and pass the bill, H.R. 5817.
The question was taken.
The SPEAKER pro tempore. In the opinion of the Chair, two-thirds
being in the affirmative, the ayes have it.
Mr. SHERMAN. Madam Speaker, on that I demand the yeas and nays.
The yeas and nays were ordered.
The SPEAKER pro tempore. Pursuant to clause 8 of rule XX, further
proceedings on this question will be postponed.
____________________