Christopher Dodd actually said...

It would seem to me you have all the authority in the world.

I don't welcome that at all, but I can see how it's possible that may happen. I think that's unfortunate, but it may come to that. I'm conce...

Senator Dodd's comprehensive Credit Card Act fills in many of these gaps.

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 ...