"There are a lot of tools available to make markets work better for American families."
"Well, it is--big. I mean, it is important, it is heavy, it is very relevant, how much regulation, how effective the regulation is, how well-enforced the regulation is, how consistent the regulation is..."
"I want to say that, as best I can, we have gotten enormous support from the industry, from consumer groups, from banking groups for the process we are using to try to embrace everyone's participation ..."
"Whether or not there will be a day when a creditor will figure out, I can make a fast buck with something that is so lousy that the answer is it should actually be banned, that day could come."
"Congressman, I suspect we will hear from them even before you do."
"I think that Congress was smart when they put a lot of tools in the toolbox."
"We have no present intention to ban a product."
"Congressman, it is not our job to negotiate on behalf of the Federal agencies."
"We cannot go back to the era of inadequate protection for the American people."
"I truly believe the title of this hearing today and really the GOP efforts in general should be: Let's pretend the financial crisis never happened."
"This is our job, and we are trying to do our job, and that is to be helpful to other agencies."