Edward Royce actually said...

"Congressman Royce's draft would solve this problem by creating a regulatory framework for authorized credit service providers."

"I think this would enhance the protections for consumers with respect to credit education and identity theft protection products."

"The Credit Repair Organizations Act (CROA) was first enacted in 1996 to combat the predatory practices of credit clinics."

"The Facilitating Access to Credit Act, drafted by Representative Royce, will bring CROA into alignment with the needs of a 21st Century consumer."