"I suspect though, sir, there is a large differential."
"we have seen very little accountability among the largest financial services providers"
"it's been hard on American families."
"she's got her own limitations. she's trying to protect our constituents, yours and mine, big time."
"Congressman, you are causing problems. We had an agreement for a later hearing."
"Congressman, we had an agreement for the time this hearing would occur."
"I think information is power, I really do, but it is powerful when you use it."
"Our job is to be there on the front end, and we are taking enormous strides in that direction right now."
"Yes, sir."
"community banks work hard to be trusted long-term partners with the families they serve."
"We have provided advice to Federal and State officials regarding a potential servicing settlement."
"Well, it is obvious. If we had not done these things, we would have been back in the Stone Age."