Deborah Ross actually said...

"if we don't have some element of success in actually preventing what we are setting out to do, then what good is all this intelligence and surveillance that we are doing?"

"What has concerned me and continues to concern me has been the lack of enforcement."

"if there is no enforcement, then what good is it that we do?"

"We have been able to, in the State of Florida under our regulatory scheme, reduce the use of online loans, which we don't want to see our consumers go to."