Edward Royce actually said...

And if there is not an incentive and an economic return to continue to invest and to safeguard the data security of our payment network and ...

Which, as I remember, never got into the toxic mortgage mess that a lot of financial institutions did get into.

the actions taken by the Fed and the GSEs that turned a boom into a bubble and led to the eventual collapse.

To be an enemy of the United States is bad, but to be a friend is fatal.