02/23/2016
https://www.congress.gov...
"I want to say that, as best I can, we have gotten enormous support from the industry, from consumer groups, from banking groups for the process we are using to try to embrace everyone's participation ..."
"Whether or not there will be a day when a creditor will figure out, I can make a fast buck with something that is so lousy that the answer is it should actually be banned, that day could come."
"Congressman, I suspect we will hear from them even before you do."
"I think that Congress was smart when they put a lot of tools in the toolbox."