Andy Barr actually said...

"I appreciated that in your testimony, you indicated that the responsible lending by community banks and credit unions did not cause the financial crisis."

"We have the kind of ridiculous situation in my district with Bath County, which is literally one of the most rural places in America, designated by your agency as non-rural."

"Wouldn't it be safer for the financial system to put the risk on shareholders than on taxpayers?"

"I agree with your testimony there and I appreciate the Bureau's recognition of this in the exemptions as to small creditors."