"I think the core of my concerns with crowdfunding is that the underwriting process... is essentially a process of getting to know somebody."
"This seems to me to do away with that relationship, which is both about information and data, but also about just sizing up the individual and that individual's character."
"I think that is the most common way that we are going to see crowdfunding happen."
"I appreciate your testimony, Mr. Molinari. Something caught my eye, though."
"I am just wondering, does Dodd-Frank, in fact, impose regulatory burdens on nonfinancial companies, small company?"
"I have been uncomfortable sitting here listening to a traditional way of evaluating cost-benefit analysis."
"Since Glass-Steagall was weakened and a variety of our financial services regulations were lightened... we saw emerging market crises."
"Let us not think about this like motor vehicle safety and speed limits... because when they happen, they are almost unthinkably catastrophic."
"I hope that the panel today will address them and give us some guidance on how we can best secure our public policy goals without taking on the risks that were incurred in the 1990s."
"We are, I think, developing a consensus in this Chamber that we need to address it in a serious way."
"I am just curious about what the effect is on the availability of the 30-year fix, which, let's face it, it is mom, apple pie, and core to American families."
"To me, this is a question really of intelligent regulation, which is driven in my way of thinking by a couple of principles."