I have drafted legislation and have encouraged the SEC to provide investors with better information about which companies are accommodating the disabled community.

Disabled people are disproportionately at risk of being homeless and living in poverty, and Black, indigenous, or Latinx people are at even greater risk.

S&P deserves no praise, however, for withdrawing a proposal it never should have put forward.

I have long called for robust oversight of the bond rating agencies, particularly after Wall Street's and the financial market's overreliance on the often-erroneous credit ratings of just three agencies directly contributed to the 2008…

A decade later, does S&P's rating criteria still stipulate that S&P will only provide ratings for bond insurers if S&P also rates every underlying issuance of that bond insurer?

Thank you for holding this hearing, and I yield back the balance of my time.

I commend your recent efforts to crack down on large financial firms that repeatedly break the law and harm individual consumers and working families.

I want to thank Congressman Ritchie Torres, who has taken the lead in crafting Federal legislative action to address the fires that we have had this year.

The tragedy at Twin Parks North West was an unacceptable failure of this system.

I want to commend the House for the passage of the Build Back Better Act that is inclusive of housing provisions for additional funding for HUD.

I also want to urge Congress to support our President's Fiscal Year 2023 budget request, which includes more funding for HUD to address housing deficiencies.

What happened at Twin Parks North West was unacceptable to this committee.

The investments put forward by this committee are a matter of life and death for American families across the nation.

The tragedy at Twin Parks North West also underscores the effect our country's affordable housing crisis is having on American families.

I commend President Biden and Secretary Yellen for their leadership in coordinating these efforts with our allies.

I look forward to discussing the actions of our financial industry, and what they can do to remedy and deal with the lasting effects of their having profited from the enslavement of human beings.

Shouldn't there be a way that the banks and insurance companies should move forward, now that some have disclosed, and those that we are going to encourage to disclose, to do its own reparations?

This hearing should not be for naught.

The Federal Government ought to move to do whatever it takes to encourage, to legislate, to get the compensation for the descendants based on the information being available.

Financial services institutions played a powerful role in financing channeled slavery.

I want to commend Representative Carolyn Maloney for her steadfast work in proposing the overdraft reforms we are considering today.

For far too long, banks have been charging excessive overdraft fees.

Unfortunately, despite being invited to testify, the major exchanges, as the Chair has said--the New York Stock Exchange, NASDAQ, and CBOE--are not here today to describe their role in our economy or to help us assess how to reform them.

In the United States, there are thousands of companies and exchange-traded funds (ETFs) traded on our stock exchanges, representing $47 million in market capitalization.

On roll call No. 77, in the Second Session of the 117th Congress, on H.R. 6434, I was unavoidably detained. Had I been present, I would have voted ``aye.'' ____________________