I can tell you the banks, especially small banks, really desperately want to comply.

What if the banks trying to merge do not receive the highest ratings in their community reinvestment act exams to measure how well they are serving their communities?

We cannot leave consumers to fend for themselves on a level playing field that is making it even easier for scammers and fraudsters to use these apps to do harm.

Merger review has become the definition of a rubber stamp, and the banks know it.

The legacy of Black codes and Jim Crow and redlining still holds back too many communities, and the OCC's rule did not serve CRA's core purpose, to ensure that banks are serving low-income communities and communities of color.

the data here show that regulators have no credibility on mergers, and sure, there are rules under which you review mergers, but in practice, for 15 years now, this has turned into a check-the-box exercise, where the outcome has been…

This is a very important Subcommittee, and I am glad to be part of it under your leadership.

Not only does that leave consumers extremely vulnerable to scam artists and to fraudsters, it also leaves them vulnerable to being hounded by the apps themselves.

Our regulators have a job to do, and it is our job here in Congress to make sure that they do it.

I have introduced the bipartisan Children and Teens Online Privacy Protection Act with Senator Cassidy, and our legislation would place an outright ban on targeted marketing directed at children, which is inherently manipulative.

Yes, our children deserve information, not infomercials.

Well, that is why Senator Blumenthal and I have introduced the Kids Internet Design and Safety Act, the KIDS Act, which establishes rules for the road for kids' commercial contents on the internet.

We need a privacy bill of rights for children in our country online.

the whole premise of the war was a big lie, that we were going in to remove nuclear weapons and other weapons of mass destruction from that country.

That authorization just has to go.

What leverage does the United States and its partners have to urge the Houthis to end its military offensive and return to diplomatic talks?

Menthol numbs the throat, is minty and has long been a leading youth initiation brand. It should be banned to protect young people.

Finally give them the protections and maybe we will be able to do adults at some point.