Jon Tester actually said...

I want to thank the Chair and Ranking Member for holding this hearing and I want to congratulate you on being appointed to run this committe...

I have talked to a lot of bankers who said if this would have happened before Dodd-Frank the regulations would have stopped this from happen...

We need to hold bank executives accountable when they screw up.

So at what point in time do the Fed regulators drop the hammer on this outfit?