Jon Tester actually said...

"I think we need more competition in the marketplace, and we need more guys out there on the ground creating more competition to move it forward."

"I want to start by saying how pleased I am that we are finally at a point where we are having a real, honest discussion about what the future of housing finance should look like."

"Congress needs to ensure that any end state it considers affords lenders of all sizes the securitization options to directly access the secondary market."

"I want to thank you again for holding this hearing and for the opportunity to testify, and I look forward to your questions."