Michael Capuano actually said...

The insurance industry has clearly and unequivocally changed over the years, as you have said yourself, and become much more complicated.

Capuano remarks on the evolving complexity of the insurance industry.

02/03/2014

More Michael Capuano Quotes

I do prefer sampling. I think that is the better way to go, and you have said you are heading that way.

I am very supportive of what you do. I am supportive of you doing research. I am not supportive of anyone gathering additional data that is ...

I have not had a single complaint about the impact of QM on individual borrowers or on the housing market itself.

So QM did not kill the situation, it actually helped consumers.