We have suffered from excessive rigidity on the part of the regulators.

I hope, continue to press for a reasonable approach on the part of the bank examiners.

I would like to ask all the witnesses if they have views on H.R. 4889.

This legislation will preserve that tool.

I hope by next year we will have abolished Fannie and Freddie.

We're going to come up with a bill -- we're going to have a bill next week to regulate their charging people overdraft fees.

We have passed legislation in the committee I chair through the House to restrict bad subprime lending, to begin the process of controlling derivatives, to protect consumers, to limit credit card abuses.

It can't erase the record of irresponsibility, poor judgment and abuse of consumers that too many of the big banks have run up.

I do not accept money, stopped accepting money -- once the TARP came, I cut off accepting any money from the banks that were TARP recipients.

Well, I would like to get them to pay the money back.

If that was the -- the best you could do, I could go for that, for this reason.