William M. Thomas: “I believe we have taken an important step towards improving our election process.”

Community banks, basically when you move from that model of originate to hold to originate to sell, got pushed out of the home mortgage market pretty significantly.

Yes, Dodd-Frank has become law. But as the Administration begins to move in the direction of regulations, you ought to bring them in and examine it again, because I think many of them overreach.

When you are looking for victims and villains rather than essential causes, it is easy to examine the same set of facts and arrive at diametrically different conclusions.

These reforms are the kind of legislation we should see more of from the U.S. House of Representatives.