Ben Cardin actually said...

"I am concerned that we may not have enough direction from you now as to what is necessary."

"I would feel more comfortable if I knew that if through this open process banks do not meet reasonable expectations government is prepared to exercise sanctions against them."

"You have said that Congress did the right thing in giving the President the tools to deal with the financial crisis, including the TARP funding."

"I think it is desperately needed."