Credit repair would be someone who after you have completed 18 holes of golf says, Let me see your scorecard.

I think your initial observation is correct. There are layers and layers of regulations protecting consumers from any such behavior.

Well, we believe that in different credit segments, it would make access to credit more inclusive, fairer, and more responsible.

Those are concerns. But there are layers of regulations in place already.

It is incredibly important, and it has been impactful.

I think that the bill before this committee does a very good job balancing the need to protect consumers and to promote competition, and enable innovation in the credit education space.

my concern is that the data is just not flowing because of the regulatory uncertainty.

This tool, which costs Congress nothing, which is already in practice and could easily be enhanced, because your bill would end the regulatory uncertainty.

Rent reporting is discussed in Congressmen Ellison and Fitzpatrick's bill.

The status quo is a harm, that the 11 years that I have been coming here, each year, billions of dollars of wealth and assets are stripped from the credit invisible population because they can't access mainstream affordable credit.

Mr. Speaker, I was privileged to introduce H.R. 3779, the Social Security Fraud Prevention Act, with my friend from California, Congressman Valadao. Identity theft is a major and growing problem in our nation. Almost 18 million Americans…

Reciprocal deposits, on the other hand, are really traditional core deposits that come from local depositors and are obtained at the rate offered in the local market, correct?

As we all know, reciprocal deposits are safe, practical, core-like deposits that enhance the ability of a community bank to serve loyal customers.

I want to thank Congresswoman Moore for her leadership on this issue.

Each day 125 Americans are dying from drug-related overdoses, and it is acute in parts of Massachusetts.

Congress wants to give you the tools to stop these drugs from crossing our borders.

I joined Pat Tiberi recently to offer a bipartisan effort to hopefully stem this growing epidemic.

The Synthetics Trafficking and Overdose Prevention Act is designed to stop dangerous synthetic drugs like Fentanyl from being shipped through our borders.