Richard Durbin actually said...

I just want to say, too, that, even when all the information is in... they're still making the wrong decisions.

I really think the program should be mandatory so that people follow it, or at least have real teeth.

I respect them, I've worked with them, and I've been told, you know, by many people, 'They're not the problem.'

One of the things we've found... it was virtually impossible to figure out who was holding the mortgage...