If we go back to a world where the basic consumer financial products are just steady, and they are just plain vanilla, they are ones that have a level playing field.

Nobody should be protected from making mistakes.

We return to the same themes that we started with our very first report about transparency, accountability and clarity throughout the system.

It is always a surprise when... we discover that there are people who have abused public trust.

I do not believe that the current plan that has been advanced under the TARP legislation... will work to get the credit flowing.

The advantage of going last in the opening statements is that I have the privilege of agreeing with my colleagues.

This policy is likely to prolong the agony and leave a still-wounded banking system dragging down the real economy.

We all should care enormously about the data that we will talk about today and what comes out of this hearing.

Data are critical not only because we can't design programs accurately if we don't know what is going on.

I believe it is unacceptable for us to continue to allow this anomaly to continue.

This crisis may have begun with subprime mortgage lending.

What we should do instead... is, one, either... we should do what the FDIC normally does.