So just to get you straight there, they are using your website essentially as the framework to access their victims.

But how do they profit from it? They take over the student's account?

The overall institutional sense that I get is one of basic passivity and reactivity to events rather than getting on top of it.

I understand that. My example was totally a voluntary commitment by someone who will work for comp time. This is a bill, as I said at the beginning, you can work more and get less. Mr. Speaker, we ought to defeat this bill because…

Mr. Speaker, freedom to make less. What could be wrong with that? Freedom to make less. Now, I am an employer, and I tell my employees, you have the freedom to either work for time and a half or just take comp time. One employee says…

Where it is is not articulated in the bill, but you don't say if there are two employees in the example I have given, Madam Chair, whether or not the employer can say: Employee A, you are going to take some comp time, so would you work an…

Mr. Speaker, I am proud to introduce and welcome to Washington, Maryland State Delegate Ric Metzgar, a friend for a long time, Second District resident, who has been representing eastern Baltimore County in the Maryland General Assembly…

Mr. Speaker, I rise today to talk about the good things that are going to happen on Thursday if we bring the House Republican plan to the floor. For the first time in 6 years, we are actually going to lower premiums for Americans. We are…

I would hope that we would pursue this even further. I think it would be legislative malpractice for us not to protect these students.

The IG also found that these companies were able to, quote, 'intercept all of the borrowers' emails, correspondence, including password resets via email, important email notices, and direct communication from FAFSA or the loan servicer,'…

The IG reported that the process for logging onto the Federal Student Aid website was, quote, 'being misused by commercial third parties to take over borrowers' accounts,' end of quote.

No matter who may define it, this is a major incident, IRS or Education. I am just letting you know it is a major incident.

In another case, the IG found that a company charged borrowers monthly fees to, quote, 'put their loans into forbearance with the stated promise of eventually enrolling them in the Public Service Loan Forgiveness or some other debt…

Mr. President, I oppose the confirmation of Jay Clayton to be a member of the Securities and Exchange Commission. When the stock market crashed in 1929, public confidence in the markets plummeted as well. Investors large and small lost…

It looks like we've got the classic tragedy of the commons problem, where you've got a common-shared resource that, if everybody were left to their own individual devices and interests, then we would rapidly be depleted.

But when we look at the video footage that Congressman Scott offered us...

Mr. Speaker, I urge every one of my colleagues--there are not a lot of people on the floor, Mr. Speaker, but I hope they are watching on television--to understand that the basic responsibility that we have of ensuring the functioning of…

Mr. Speaker, I thank the gentleman, and I yield back the balance of my time. ____________________