Richard Shelby actually said...

Today, the Committee will examine the state of our housing market and the Federal Government's efforts to prevent foreclosures in the midst ...

Homeowners in need will be better served if we actually identify the root causes of foreclosures and craft effective solutions rather than s...

Our idea in the legislation is not to prevent people from making mistakes. It is to make it easier for them to avoid mistakes.

Shouldn't the language require that the real benefits must outweigh real costs to consumers and covered persons instead of that?