Richard Shelby actually said...

As we learned from the most recent financial crisis and this particular incident, regulators do not always meet our expectations.

The refusal of the Bureau, a lot of us believe, to issue clear rules means that banks will have higher costs, more exposure to lawsuits, and...

This Committee, I believe, has an obligation to determine whether this loss reveals any operational or regulatory weakness that could cause ...

So they took a position. Was that a position to manage something they had already done?