that is why I introduced H.R. 4664, the Monitoring and Curbing Abusive Debt Collections Practices Act, which will prohibit the issuance of any rule that would allow for this type of consumer harassment.

We need solutions of scale to address this problem.

This proposed rule would allow debt collectors and collection attorneys to attempt to collect old, expired debt.

I have always believed that people closest to the page should be closest to the power, driving and informing the policymaking.

So again, that is not consumer protection.

That is why I was proud to introduce the Payments Modernization Act in partnership with Representative Chuy Garcia and Senators Warren and Van Hollen.

It is clear that the current system is insufficient. Small and local banks and small businesses alike do stand to benefit from this proposal.

I urge the remainder of my colleagues to do the same.

Working families should not have to wait days at a time just to access their own hard-earned money.

This is no longer a question of if, but when and how fast--how this faster payment system will develop.

Research has shown that some student-loan borrowers are finding themselves physically ill as a result of the stress and anxiety associated with their loans.

My bill requires the Fed to build this system in 3 years, allowing the U.S. to remain competitive.