"I would be very opposed to hard-coding underwriting standards."
"I am worried about the question of whether or not we need some Government regulation of the nonguaranteed market."
"I am very encouraged by the direction that HUD has already started."
"the financial crash of 2008 was quick, sudden, and it caught our Nation unawares"
"the crisis was years in the making, and there really were a lot of signposts that we were headed for trouble"
"I hope that the trend line we are seeing--and that is dropping from, just in a very short period of time, 22 percent of the dollars that go out the door are going to small businesses down to 17 percen..."
"the bad news seems to show that over the last 5 years, the Bank has dedicated a smaller proportion of its lending to small businesses."
"I very much appreciate the attention you are giving to this."
"the 2008 crash started one lousy mortgage at a time"
"What I find so remarkable about the Essex National Heritage Area are the innovative ways that it involves its local communities in its ongoing work."
"I was pleased to introduce the Essex National Heritage Area Reauthorization Act (S. 1186), and I thank you for the opportunity to offer a few words about this wonderful area."