Richard Shelby actually said...

"But in multifamily housing, as a rule, people have to put more skin in the game."

"If the REO rental, Real Estate Owned, policies outlined in the white paper were to be adopted, how much faster will housing markets recover, in your judgment?"

"The sooner we do a comprehensive reform of Freddie and Fannie, the better off the taxpayer is going to be."

"To be clear here in the Committee, it seems that the Fed is not making policy recommendations to Congress in its housing white paper, is that correct?"