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I would suggest you go read 'San Fransicko' by Michael Shellenberger about what has happened in that city.

That is a cartel that you are strengthening with your ideology, sir, and the Members of this committee...

In January of this year, in January 5, in Culiacan, there was open warfare between the Mexican military and the Sinaloa cartels.

I respect my colleague from Mississippi. We do great work together. This is an area where we have to agree to disagree. But, again, I want the Choctaw, I want the Chickasaw, I want the Cherokee, and I want every Tribe that has objected to…

The Chair again wishes to thank the former and retiring Members of Congress of the House for their presence here today. Before ending these proceedings, the Chair would like to invite those former and retiring Members who did not respond…

Is there objection to the request of the gentleman from Virginia? There was no objection.

The Chair recognizes the distinguished gentlewoman from California (Ms. Pelosi), the Speaker of the House.

The Chair announces that 32 former and retiring Members of Congress have responded to their names. The Chair now recognizes the Honorable L.F. Payne, president of the Association of the Former Members of Congress to address the Members.

I now ask the clerk to call the roll of all former and retiring Members. The Clerk called the roll and the following Members were ``present'': Mr. Altmire of Pennsylvania Mr. Bartlett of Maryland Ms. Bourdeaux of Georgia Mr. Capuano of…

I believe we need to cancel $50,000 in student debt for Federal student loan bonds.

The work that you are doing is critical, from protecting our consumers to making sure that our financial regulators mirror the diversity of our nation, so thank you for your efforts.

It is obvious that the CFPB's lack of transparency is of grave concern.

I think every Member had something important and very, very thoughtful to say about what is taking place...

You are implementing progressive policies at the expense of both consumers seeking financial products and market participants trying to comply with the law.

I want to commend you for that outreach, because without that outreach, we could not have gotten a bipartisan product.

It is good to see you. Today, I want to touch on an issue related to transparency and encouraging innovation and competition.

Well, that, 'help,' has had a negative effect on consumer protection.

But I just want to close here. So in your view, guidance is not legally binding. Is that true?