02/13/2017
https://www.congress.gov...
"What I have suggested is an agency that offers plain vanilla products that provide a safe harbor on regulation."
"There was no reason to develop a business model that put tricks and traps in back and you pretended to compete on things that were not real."
"What I really think is that it is time to talk about disclosure in a way that means something."
"We are really trying hard to see what the effectiveness is and to make recommendations that might make it more effective."