GARY G. MILLER: “The environment within which the regulators work today should basically encourage innovation and growth rather than to…”

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

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

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

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.