"What we are trying to do is build a system to deal with complaints."
"We are trying to get this product right, and we have had a lot of cooperation from the credit card companies."
"We are an open door on this subject."
"Congressman, I believe the language you are quoting is out of the Dodd-Frank Act, and it is Congress' intention."
"Congressman, this is the guidance that Congress has given."
"Congressman, we will go through the process of interpreting the language that Congress has given us."
"It is statutory language that you are asking."
"I believe that consumers want to learn."
"We have, as part of our responsibility under the Consumer Financial Protection Bureau laws, undertaken consumer financial education."
"I believe that an empowered consumer is a consumer who can not only protect himself or herself but one who can change the market."
"Congressman, when you asked to change the time four times in the last 12 hours..."
"Congressman, during the time these agencies have been around I believe that financial products have become more complicated..."