I want to know more about this.

Predatory lenders continue destroying families and communities across the United States and undermining faith in our financial systems.

Senator Hagan. Mr. Reid and Dr. Shear, during his testimony before the Senate Armed Services Committee on April 7, General Carter Ham, the Commander of U.S. Africa Command (AFRICOM), suggested that DOD needed to take a more regional…

We want to congratulate the FBI on what it is doing in mortgage fraud.

We know that there is a $2.6 billion request for fighting what is the traditional role of the FBI.

this is an American issue. So, you're not fighting this by yourself. You can count on me as a full partner on this.

I think that's a general confusion, because in the way that this rating system is designed...

But, at the same time, I wouldn't think you're in any way suggesting that the quality of the legal system and societal stability in Nigeria is superior to that of Japan.

Different governmental systems have different ways of dealing with problems.

This hearing will come to order.

The U.S. Government has long recognized the negative impacts of human trafficking.

I've long been an advocate of a multilateral approach, in terms of resolving these sorts of issues.

Let me ask you one final question about Singapore since we've been on it.

Today's hearing will examine the impact of our legislation on our antitrafficking efforts in Asia.

I would have to say, I had a number of friends--including a good friend who lives in Singapore--that were sort of amazed at this categorization.

At this point, I would like to emphasize that this line of questioning is really designed to try to examine your methodology rather than being a comment on my view of the quality of the governmental systems in most of these places that I'm…

By the way, this whole hearing shouldn't be about Singapore.

In your testimony, you note that South Korea has never prosecuted a citizen for child sex tourism, and that Japan's last prosecution was in 2005.