We have a Consumer Financial Protection Bureau because we went through some very difficult times.

I think, quite candidly, as I reflect on it now, that it is a little bit short of a miracle that we were able to do it.

I know that my constituents in southeastern Queens can't afford it, after having suffered one of the highest rates of fraudulent mortgages in the country, resulting in an overwhelming number of people with mortgages underwater or facing…

I appreciate that. So the answer is, even you believe that there is some role for the Federal Government in natural disasters.

We are going to reauthorize TRIA pretty much as it is.

God forbid there is a need to use TRIA, but we now have it so that taxpayers will not lose a penny.

To me, TRIA is a necessary item, because without it we will have no construction.

I want to thank the panel for being here today. You are the second-best panel of the day.

Does anybody on the panel think that the United States Government should not respond if Al Qaeda were to set off a chemical device in the United States of America?

I have deep concerns that the Qualified Mortgage rule will result in less availability of credit for low- and moderate-income borrowers.

What is likely to happen is that I will soon, within the next week or two, be asked to vote on this bill yes or no pretty much in the form that it is in now.