03/06/2013
https://www.congress.gov...
"This is a very important Subcommittee, and I am glad to be part of it under your leadership."
"Merger review has become the definition of a rubber stamp, and the banks know it."
"Are banking agencies like yours currently required to reject mergers when the resulting bank will be bigger or more complex than our banking rule are set up to handle?"
"Not only does that leave consumers extremely vulnerable to scam artists and to fraudsters, it also leaves them vulnerable to being hounded by the apps themselves."