Ben Cardin actually said...

If times aren't ripe, you have to ripen the times.

I agree with Senator Sessions that we do not want to put a climate out there that causes institutions to do things that are irresponsible.

I want to focus on the implementation of the Matthew Shepard and James Byrd, Jr., Hate Crimes Prevention Act.

It is one thing to make sure that people are not discriminated against. It is another to pressure banks to make loans that are not sound.