Richard Durbin actually said...

I find it hard to believe that encryption is the threshold, and how in the world would the average person know that or be able to protect themselves.

Durbin questions the practicality of encryption as a privacy protection standard.

03/20/2012

More Richard Durbin Quotes

And we're going to do it by-- bank by bank.

Before you go further, I'll just say, that was one of the motives behind the bankruptcy change.

To my regret, the Senate did not provide homeowners with a meaningful chance to save their homes through the bankruptcy process.

But, you're absolutely right, that only a fraction of those trial mods have, so far, been converted into permanent modifications.