I know I looked, and it really does impact some of our working poor communities regarding the late fees.

Just so we are clear, because I know you are blaming social media, you are a bank.

I have a bill that reduced it to 4 years, which I think is a great bipartisan bill.

The other important thing that I have been working on is our credit scoring system. It is broken.

You are blaming social media for your mismanagement and so forth, which, to me, clearly looks like greed.

You didn't, and you still got paid? They paid you to not know any of this?

It was their mismanagement and personal greed.

Trust me.

This is like a scam. I know you all are not allowed to use that word, but I am going to use it.

Did the Trump-era deregulation shield Silicon Valley from enhanced supervision oversight? No doubt about it.

We need teeth. We need enforcement. We need to be able to claw back. We need to be able to, again, hold them accountable.