Guidance, supervisory expectations, and the rule of law : how do the banking agencies regulate and supervise institutions? : hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Sixteenth Congress, first session, on examining how banking agencies supervise and regulate financial institutions, how regulated institutions interact with their regulators, and the Congressional Review Act and the scope of its applicability to agency statements of policy, April 30, 2019.