GARY G. MILLER: “Part of my question is, does the Dodd-Frank Act go far enough? Or should we have done more to take apart the big banks?”

I have some real concerns with that. I have had a concern with the definition between subprime and predatory for years, and I am glad to see we are going to finally deal with it.

The environment within which the regulators work today should basically encourage innovation and growth rather than to stifle it.

Credit unions have done a great job reaching middle-class and underbanked families through credit.

Sequestration is the big elephant in the room that seriously threatens the stability that we thought we had achieved.