There is little to inspire confidence in the balance sheets of the banks, and the health of small and mid-sized banks remains a very serious concern.

I am sure that is everyone's goal.

All right. But from this point going forward, it cannot take you more than a couple of months. I mean, they are into the pipeline.

Unlike the TARP funding for the big banks a year ago, this time will we be tracking the money?

And we are very glad to see those changes. We are very pleased.

We will be verifying that they use the tax dollars for small business lending.

We put together a management report to Treasury identifying a lot of the frustrations, which I heard were exposed at Senator Menendez's hearing.

In my view, two proposals from this report are critical to protecting the American financial system and preserving the ability of families to build wealth.

We have pushed for a long time for more transparency, more accountability, more clarity on goals.

Congress should end the era of 'Too Big to Fail' by restoring a credible threat of failure for the largest financial institutions.

We started this process saying--Secretary Paulson came to this very room and said we need to get those toxic assets off the books of the banks.