WASHINGTON, DC - NOVEMBER 04:  Federal Reserve Chair Janet Yellen testifies before the House Finance Committee in the Rayburn House Office Building November 4, 2015 in Washington, DC. Because the Obama administration has yet to appoint a vice chairman for supervision at the Federal Reserve -- as madated by the Dodd-Frank Law --  Yellen is assuming the semi-annual duty for reporting to the committee on the Fed's 'supervision and regulation of the financial system.'  (Photo by Chip Somodevilla/Getty Images)