04/12/2010
https://www.congress.gov...
"What consequences can you expect when most customers only make minimum payment in terms of the borrower's reaction to a payment shock?"
"I would not cite that in defense of your feeble enforcement, that there is a money-laundering order."
"We followed our normal protocols under the interagency agreement, and on August 14, we sent the OTS a letter."
"That interagency position is not binding, is that correct?"