John Conyers actually said...

"Means tests indiscriminately blocking debtors from relief without successfully weeding out abuse."

"Increased filing fees that put bankruptcies out of reach for the very people that might need it."

"One of the things that we are going to look at is credit card practices that have pushed people to the brink of bankruptcy, aggressive marketing to financially vulnerable borrowers."

"Over-aggressive marketing, exorbitant penalty fees and interest rates, that is a scandal in itself."