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.

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

I guess, first of all, some of this stuff that has been talked about, Dodd-Frank, have any of your organizations ever testified in front of Congress to say there was too little regulation?

I want to thank the panel for being so patient and for sticking around on this important issue.

I actually found your testimony very interesting and intriguing. I didn't disagree with almost anything anybody said...

I agree. I am no different than anybody else. I want more private capital in as well.

Would most of my constituents qualify for that?

As we have heard before, the focus of this discussion draft is protecting consumers and protecting taxpayers.

We need more rental housing options to keep up with the demand. Yet this proposal does the opposite: reducing liquidity; increasing building costs; and driving up working families' rent.

I can't imagine taking that $1,000 and turning it into $2,000 a month.

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.

I kind of wish you had been the first panel because the first panel I am sure if you had watched was very thoughtful, very theoretical.

The PATH Act also will end the bailouts of Fannie and Freddie.

There has never been a bill I have ever voted for or against that I didn't like or hate something in it.

My average constituents are not interested in that. They just want to know if they can get a mortgage and their kids can.

I get to vote yes or no.

I would urge you not to scale back your monetary stimulus until it is absolutely clear that the now-fragile recovery will hold.

But, Mr. Administrator, if you have all the technology in the world, but people refuse to use it or won't use it for any good number of reasons----

I am starting to wonder to myself, especially now with sequester, if we are not going to be able to do...

I don't think you can stuff Glass-Steagall back in a bottle.

I am convinced that anything that we ever do will be gamed, which is why Congress exists, to play whack-a-mole with everybody else.

I don't know why we couldn't pass an expansion 2 years ago. I don't know what the holdup is now.

I empathize very strongly with the idea of getting a little more flexibility and getting the Federal Government off your back a little bit.

This is an important issue and one that I actually hope and think presents itself for a great opportunity for compromise.