I mean, you know, if you are getting a big loan, say $700,000 or $650,000, that is a pretty good size loan for the average American, whether it is in Alabama, South Dakota, or Montana, or maybe not in certain areas of California or New…

Before we discuss solutions, I think on this Committee we should first clearly identify the problems we are trying to solve.

I agree with Secretary Geithner that housing finance reform is overdue and should be promptly addressed.

the financial markets believe more than ever that the United States Government will step in and save the too-big-to-fail institutions should there be another financial shock.

The too-big-to-fail doctrine is a flawed doctrine from the beginning, is it not?

I voted against TARP. I believed then, as I do today, that TARP was a serious policy mistake.

Well, you have to do the metrics. You have got to measure this, have you not?

The focus on repayment of TARP is deceptive because it fails to consider the huge taxpayer cost from non-start programs.

the ultimate success of the Dodd-Frank Act depends to a certain degree on market perception.

I meant work with some people you do not need to work for.

I believe the American people deserved a more thorough and detailed study.

Government-supported incentives for housing that distorted the market.