GARY G. MILLER: “For millions of families, abuse of overdraft fees for debit and checking accounts has become an unconscionable burden.”

Capital standards need to be set appropriately so they can ensure the safety and soundness of financial institutions without harming the availability of credit to fuel economic growth.

While I strongly believe in coordination among international regulators, we must resist the tendency of pursuing a one-size-fits-all approach.

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

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