the CFPB, as of now in Oklahoma, 24 percent of our commercial banks no longer do home mortgages.

So at some point, Congress has to admit that post-Watergate process that was created did not work as they hoped it would, and it does have to be reformed.

it is just a lot more comfortable for us to beat up on the agencies than to turn the finger pointing back at us.

If we go down this track and the cost is so high and the benefit does not seem to do it, then let us find other alternatives to do it.

Just needs to be fixed, that is all it is. Just one little word change.

It is just 'did you do everything you said you were going to do'?

we are creating more and more sense that they really are truly independent of everyone, and with no accountability, we have a big issue.

Do we need agents to have better independent agencies anymore, and if we do, how do we reform them?

I think we have lost the why they were created, because they were supposed to be non-political.

It is time for the Congress and the President to take down the artificial and increasingly arbitrary wall that insulates independent agencies from OIRA's review.

Independent regulatory agencies should be held to the same procedural standards as executive branch agencies.

But independent from who at that point?

So I am back to the same issue.

Cost benefit analysis, as several of you have brought up, is to inform rather than to check the box and to justify.

Congress created them. They are not independent of Congress' oversight by far.

maybe it is time for Congress to actually do its job and provide the lane or the framework for what constitutes things like Waters of the United States.

By the way, there are some proposals that are floating around now that a group of us have floated on reforming the budget process.

No public entity should be exempt from oversight.