What we are looking at there is, what is the vulnerability of the U.S. business?

I am really disappointed that we are doing this.

Any time two firms control more than 90 percent of a market, concern is entirely appropriate.

It is the anti-ESG crusaders here, or simply, for me, carrying the water of corporations, that don't really want to disclose long-term risks that their businesses face.

I always look at the witnesses who come before us and try to figure out what lens they are bringing, or their lived experience, or the people that they serve.

I think you all actually read the small print of things that get sent out to our consumers.

I was shocked to find out that our VA sends medical debt of our veterans to credit reporting agencies--collection agencies.

I think it is because you did about $17 billion in relief for over 200 million consumers through the Bureau's enforcement and supervisory activities.

I also have been incredibly thankful that--and, again, the Bureau didn't have to do this--your report on medical debt literally triggered all three of the major the credit reporting agencies to do something.

Your agency--I won't call it an organization--is the only financial regulator that is laser-focused on consumer protection, correct?

They were out of control. We had to do something about it because people were calling us.