The smaller entities really can't afford to do that.

Providing the security is the number-one priority, but finding the funds to do so--maybe the chairman has a better idea.

We need a better way to sift through regulations both proposed and existing; transparently identify their true costs.

Now it is one thing for CitiCorp, JPMorgan, and so forth, to hire a backroom of lawyers and technicians to deal with all these regulations.

The negative effects of over-regulation are felt in industries throughout my home State, and I'm sure throughout the states being represented here by the panel.

Regulators published $112 billion in net regulatory cost in 2013 alone.

I am struck by the fact that, while there is this consensus, we introduced a lot of ideas... But we never seem to get to the final piece where it is actually enacted and put into place.

Safety and security must not come at the cost of stagnation, unemployment and lower incomes that rob from the middle class.

I believe that all Members of Congress in both chambers and both parties can ascribe to this goal.

My colleague, Senator Dan Coats, and I have introduced the Sound Regulation Act to improve the regulatory process through better analysis.

I guess what you need is a plan B just in case.