Fully informed consumers will make markets more competitive, eliminating the ability of banks, lenders, and mortgage brokers to profit from sheer confusion.

I don't think it's any surprise that the tables have turned politically here on Capitol Hill since the passage of the Dodd-Frank Act.

The CFTC detects, deters, and punishes abusive trading activity and manipulation of commodity prices, which could have negative impacts on consumers and the economy.

So, I think you answered--I was going to ask a question, if other countries do it more effectively than we do...

I'm just questioning about whether or not we have thought about the next year and the year after, and what it means, in terms of our thinking ahead, preparing resources for the eventuality.

The First Lady and the President are pushing these healthy food alternatives, particularly for low-income families.

My last question goes right to that point. The problem I've run into in the foreclosure situation is figuring out who makes the decision.

I fear what's going to happen in the Chicagoland area, because I can see the same story playing out.

I'm concerned, here, that your request for next year's budget dramatically cuts, by 55 percent, the amount of money available to counsel microloan borrowers.

If one preparer gets 1,000 taxpayers and encourages them to do something fraudulent, a lot of times the taxpayer is unsuspecting.

There are a variety of rites of spring in America--the opening of the baseball season; Seder dinners... and an obscene run-up in gasoline prices.

I happen to think we're seeing some changing weather patterns. That turns out to be a pretty hot political debate in Washington.

It is almost a shock to know that 1 out of 4 people in America are unbanked; they have no access to banking services.

I'm pleased to convene this hearing to consider the fiscal year 2012 funding request for the Internal Revenue Service (IRS).

Are we prosecuting those who file false returns?

I think this is something we should make sure we let Americans know, because they're uncertain about this, that this is something we can do at acceptable costs, with time for people to adjust.

The complexity of the system...needs to be continually reviewed, so that we can make it within the grasp of ordinary Americans.

The Congress exercises its most-effective oversight of agencies and programs through the appropriations process.

It is clear that both Chairman Gensler and Chairman Schapiro, their fellow Commissioners, and their respective staff have invested inestimable hours in paving the way toward a more reliable regulatory foundation.

So we're in this debate here about our deficit and how we can come up with a savings of $4 trillion over 10 years.

it is vitally important that the $227 million in the President's fiscal 2012 budget requested for the CDFI Fund is appropriated.

We want to delay this--for 1 year, 18 months, maybe longer.

For too long, consumers have struggled to navigate financial products fraught with hidden fees, bait-and-switch terms, and other complex features that even experts have difficulty understanding.

There are parts of Illinois, downstate, that look an awful lot like Kansas.

I would say, where there's complexity is where people hide money and push the envelope.