Comment submitted by Brian Holst

Summary: Brian Holst, representing Ohnward Bancshares, Inc. (a holding company for three small community banks), argues for several regulatory reliefs to reduce the burden on small institutions. He specifically advocates for eliminating the rescission period for TRID-compliant loans, reclassifying transfer taxes as fees that can increase without a tolerance, and reducing reporting requirements for homeownership counseling, appraisals, and HMDA data.