"These are not mutually exclusive concepts and it is our job--our obligation--to craft a regulatory structure that can accommodate them both."
"I believe before we legislate in this area, I think we should be careful."
"In this time of economic turmoil, we need to proceed carefully, but we do need to proceed."
"clear, complete, and understandable disclosure, as Senator Dodd has pushed for years, is so critical."
"These practices are wrong and they are unfair."
"We frequently hear from constituents about the burden of abusive credit card practices."
"I would like to be able to mark up a bill in this area."
"Today is the 200th anniversary of Abraham Lincoln's birthday and I took my daughter up to Lincoln's cottage."
"Your days of bilking American families at the expense of our economy are over."
"This hearing this morning will give us a chance to reengage in that debate and discussion."
"I think we have had some 82 different hearings or meetings----"