Elizabeth Warren actually said...

If one offered a very gentle stress test and the consequence were that the stock market responded positively to the good news that emerged f...

As was pointed out by Chair Warren, several million people have lost their homes.

It seems to me if we were talking about rate caps, that would be an appropriate place for Congress to set the larger policy question.

Congress will set the standards for this agency, and then ask the agency to go and use its rulemaking authority.