Richard Blumenthal actually said...

If somebody calls you without your having called first... that call is a fraud. Do not talk to that person. Hang up.

It is hard for me to believe that you cannot prevent that kind of abuse under your existing authority.

I agree completely, Mr. Chairman, and would agree voluntarily to comply, or at least adhere to, Regulation E.

Do you employ outside consultants to develop and implement those systems to protect against cyber intrusion?