Mr. Chairman, I thank the chairman for all the work that he has put in on this consumer financial protection reform bill. This is really a bill about accountability and transparency. As has been discussed today, the CFPB is collecting…

Well, thank you very much, Mr. Brandon.

This UW Whitewater program is lifting that up to about 48 percent in 6 years.

As I understand it, the National Longitudinal Transitional Study notes that students with disabilities are graduating college at a national rate of about 34 percent from 4-year degree programs.

I fought for this appropriation as an appropriator and a chair of this committee and am pleased with its allocation.

Have you developed an estimate of how many dollars or how many Americans, how many dollars have Swiss bank accounts?

OK. In the morning hearing, what I was trying to establish was kind of the obvious in terms of, why does Switzerland have this very huge banking sector and is there value there?

What percent of the U.S.-based accounts or U.S.-owned accounts do you think that would reveal?

But that is going to require us to actually have knowledge that there may be some fraudulent activity occurring, correct or not?

I am no lawyer, so can you talk to me a little bit about what types of criminal charges would you try to bring, and what are the impediments?

When I asked a question earlier about how were you able to determine compliance, you talked about clients were signing waivers, they were filling out W-9s. What prevents you from having every client sign those waivers?

I just want to state the obvious.

It really has to be around the ability to offer services and returns that are competitive.

I am just trying to get to the obvious point to why people put money into Switzerland.

Thank you, Mr. Chairman.

Well, I have no further questions. Thank you, Mr. Chairman.

I agree, and that makes an awful lot of sense.

I want to understand a little bit about what is so different about the 230 accounts where we actually received the names versus the other 22,000.