No. It is the customer who will make that decision.

I think that is extremely destructive.

If we make the real point about disclosure, can the consumer accurately understand what you have just done?

Congress will set the standards for this agency, and then ask the agency to go and use its rulemaking authority.

I think that this is an area where a per account fee makes a lot of sense.

Well, my view is, if you cannot explain it, then you probably should not sell it to customers. I think that is destructive.

I think it is time for change. We need someone in Washington who cares primarily about families, who cares about consumers.

if the facts suggest that that part of the problem is growing larger by the day, I want to ask the structural question.

The agency could say if you will issue a page-and-a-half credit card contract that is readable, a one-page mortgage that is readable and make the blanks clear... you are relieved of other regulatory obligations.

I will start by saying the person who was talking about banning products actually wasn't me; it was Mr. Yingling who embraced that notion.

Excuse me, Congressman. They are not interested in consumer protection.

In order to be more transparent, in order to have greater accountability for these banks, why not run the stress tests again under more difficult circumstances?