The scope of H.R. 1179 is broad enough to exclude anything to which an employer decides it is religiously or morally opposed.

Representative Duffy also has led the effort in the U.S. House of Representatives to bring greater transparency and accountability to the Consumer Financial Protection Bureau.

We just have to be honest with ourselves.

We would shut down 20 percent of all the cement plants in the United States.

I'm a big fan of transparency. I want to make sure that customers who have come into the bank know the products which they're going to get and they understand the cost and what the arrangement is.

If you look at what has happened over the course of the last several years with regard to the financial crisis...

I think simplifying it, condensing it so they can understand it, would be beneficial.

Sometimes, it seems as though everybody from the President on down is saying to financial institutions, lend, lend, lend to small businesses, because we know small businesses are the job creators.

If we're going to get our economy going again, we need these financial institutions to make these small business loans.

I appreciate everyone coming in and participating in today's hearing, specifically Chairwoman Capito...

But the rules, the regulations, and the pressure coming from the regulators on our community banks and credit unions has been immense...

What I keep hearing is those traditional factors, based on your relationship with the individual, that has been thrown out.

The freedoms are being eaten up every time we make a new law.

I do think, especially in the House, there is a movement afoot to say, let's try to do things better.

I am not for a national ID card. But the longer this goes on, if there is a major terrorist attack because REAL ID has not been implemented for whatever reason, there will be a huge push here for a national ID card.

Are you going to drop the boom on the states that refuse to comply or can't comply as of January 15th, 2013?

Madam Secretary, it is no secret that you don't like the REAL ID Act and you have given numerous statements and speeches that you would like to see the REAL ID Act repealed and in its place put something called PASS ID on the books.

But your REAL ID rules review in your shop only consists of three professional staff members and one administrative support person.