And what my residents would ask you is about accountability. How do we make sure? How can we make sure these private market participants are beholden to the American home buyers rather than shareholder profits?

we need to address that right away because they are frustrated that the purpose of the whole Act and the data--it is kind of setting them back in not having easy access to that information.

I would love to follow up and see if it is accessible to the public.

Racial bias in mortgage lending is pretty well-documented.

it is really important, especially for families that I represent, that we have easy access to that data because right now it is very frustrating for advocates to be able to show that there is an issue with discrimination.

The Home Mortgage Disclosure Act... is really important to the people I represent at home.

I am very proud, and with the wonderful support of our Madam Chairwoman here, H.R. 3622, the Restoring Unfairly Impaired Credit and Protecting Consumers Act, which reduces the debt on someone's credit report from 7 years to 4 years.

Not all of us can afford to go to court, folks. We can't afford to find a lawyer. Do you know how distressing that is?

Yes, it is bullying. And they are really dismayed because they are like, 'Well, this is how much I borrowed. Why is it triple the amount?'

I feel like there needs to be a better balance in this conversation, in this debate, in this committee.

We need HUD to make loss mitigation mandatory.

She constantly lives in fear that an explosion or toxic chemical could claim her life.