GARY G. MILLER: “I have some real concerns with that. I have had a concern with the definition between subprime and predatory for years…”

If we are concerned about empowering consumers, we really should be concerned about their safety.

I enjoyed your opening statement. You talked about empowering consumers, fair, transparent, and competitive marketplaces, and dealing with bad actors.

For the past century, and through multiple financial crises, the State-based insurance regulatory system in the United States has been successful and has protected policyholders.

Yet, by requiring this Davis-Bacon mandate, we are beating up the price of apartments and condos and townhomes by 20 to 25 percent.