"I believe that consumers want to learn."
"I believe that an empowered consumer is a consumer who can not only protect himself or herself but one who can change the market."
"I suspect though, sir, there is a large differential."
"it's been hard on American families."
"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."
"What we are trying to do is build a system to deal with complaints."
"We have, as part of our responsibility under the Consumer Financial Protection Bureau laws, undertaken consumer financial education."
"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..."
"we have seen very little accountability among the largest financial services providers"