Well, let me urge you to keep at that.

I have raised it several times here, but the question of why we have not been able to come up with some answers

We are in a crisis with this.

We need to examine the activities of the law firms that work for the servicers.

I will miss you as well. I want you to know that.

every person represented on this table here today is a member of the Financial Services Oversight Commission

Well, who is standing up? I think Professor Eggert said it. You have got the investor and the homeowner that are here, and the two entities here that are being taken to the cleaners in the process.

We need to examine the role of the regulators here.

I will also, at the appropriate time when we have a quorum, ask the Committee to fulfill its obligation of voting on the Diamond nomination to serve on the Federal Reserve Board.

Well, I was going to say, I am going to turn to Tim Johnson, then Senator Tester, and I am going to forgo any questions I have.

Well, do you talk to the regulator about this?

We created the Financial Stability Oversight Council to examine exactly this kind of issue.

The Committee will come to order. Let me first of all thank my colleagues and our witnesses for their patience and indulgence.

We need to determine the extent of the problem.

So you encourage them to do it. But again, I come back to the first question I asked you. Why do you not demand it of them?

I mean, the confusion, this seems like a fairly simple one we might resolve.

You have got to have a confirmable nominee, and we have got to get someone in place.

the Dodd-Frank Act also calls for the largest and most systemically important banks to meet higher capital requirements.

In my view, history will record that your involvement and your participation helped save this country, and so I appreciate very, very much what you did, and we are grateful to you for your service.

we are well on our way to putting this, 'badly needed' Dodd-Frank Act into effect.

It was never my intention to have the U.S. Senate, the House of representatives, or the Congress as a whole do the job of regulators.

There will be people out to get rid of it.

Thank you as well for your insistence over the years on financial literacy.

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