Richard Shelby actually said...

"It is going to be difficult to deal with, isn't it?"

"We share your frustration with the slow pace of efforts to help homeowners get out of bad mortgages and into mortgages that will allow them to stay in their homes and build equity at the same time."

"Clearly, this is a regrettable policy failure."

"Well-regulated and transparent financial markets have been and must continue to be one of the central goals of our financial regulatory system."