I was hoping I would have a little bit more time because I think you have been so rudely interrupted.

This month, we must observe the 5-year anniversary of the Lehman bankruptcy rooted in the risky and irresponsible lending and financial practices.

Unfortunately, at that time we were denied the benefit of your perspective.

We have been doing that all during our break, and we are very engaged with them to find out how we can perhaps get them out from under the yoke of regulations that should not apply to them.

The proposal would be bad for investors, expecting them to accept all the credit risks on U.S. mortgages.

The proposal would be bad for renters at a time when vacancy rates are at an all-time low.

The proposal would be bad for consumers, repealing the predatory lending provisions in the Wall Street Reform Act.

The proposal would be bad for community banks and credit unions, with the new utility presenting them with tremendous challenges.

The proposal would be bad for America's middle-class, ending the affordable 30-year fixed-rate mortgage.

I am deeply disappointed in the radical and unworkable discussion draft that is before us today as well as the lack of interest in making this a bipartisan effort.

At some point, it may be appropriate to consider whether oversight has become a disguise for harassment.