06/10/2009
https://www.congress.gov...
"But doesn't it also basically--in other words, the incentive for the issuer to make sure that the borrower is going to be more creditworthy diminishes when you know you are going to be able to sell th..."
"The need for quick action to end abusive lending practices is more urgent than ever now."
"I am disappointed that you have got to wait until July of 2010 for them to become effective."
"the notion once again that we could ever start thinking about regulation, reform, and creating new architectures for the 21st century, very much a part of that has to be that that end user, that consu..."