now is the time to address reform of the housing finance system.

the whole point of this review was to bring some justice, to give these families some compensation for what happened.

I think this starts a new era in transparency and in helping those families that have been wronged.

Gina's commitment to this cause is evident not only in the quality of her work but in the 12-hour days, the late nights the colleagues at the EPA have described as part of her regular routine.

Gina has dedicated her professional life to the protection of our public health and to the stewardship of our environment.

It is an honor to be here with Senator Cowan to introduce the President's outstanding nominee for Administrator of the Environmental Protection Agency, Gina McCarthy.

Does that mean, then, that what you found tells us whether or not the illegal practices of the banks occurred in 1 percent of the cases or occurred in 90 percent of the cases?

to identify the wrongdoing and hold the financial institutions that broke the law accountable.

So the question I have is, having resolved this nearly four million families, who put the people, the families, into each of these boxes?

I thought this was about transparency. That is what this is all about.

You have provided little specific information on what the review actually found, such as the number of improper foreclosures, the amount and number of inflated fees, or the extent of abusive practices by each of the mortgage servicers.