03/12/2013
https://congress.gov...
"Another point I would make, though, Senator, is well, is one of the consequences that we have seen in the--through this crisis has been an increasing concentration of lending."
"In the instances that you describe, that would be an administrative action as compared to a Congressional action?"
"Taxpayers have pumped tens of billions into the failed giants Fannie Mae and Freddie Mac and it is highly unlikely that they will be made whole."
"I think it would be a very sad day for particularly rural America, but for America in general when your hometown banker is not willing or capable of making home loans."