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.

It seems clear that if Congress wants to have a tough watchdog, it needs to make sure that the dog has not been starved.

Thank you, Mr. Chairman. I want to just start by saying you have really done some remarkable work, Chairman Gensler, over the last 4 years.

It shows real toughness in your enforcement strategy and that that will help build leverage.

I want to start by saying to Senator Reed how much I appreciate his leadership in putting forth this amendment that takes a bad bill and turns it into something that will be helpful for our students and for our families struggling with…

Right. And then I think you mentioned earlier, and I just want to see if we can kind of go through a list here, the idea of making sure there is a level playing field, and that is that everyone must be compliant with local State laws on…

I am very pleased to have sponsored with Senator Merkley the Stopping Abuse and Fraud in Electronic Lending Act, with the acronym of SAFE Lending Act.

Good. Thank you very much, Mr. Wright.

Thank you, Mr. Chairman.

But you feel like you have adequate authority. You do not need any additional authority to do it. You just need the resources.