"Let's talk about those guidelines because I know they were brought up earlier, and they are statutorily put in there."
"there are things we could do better."
"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?"
"Do you realize they had over 8 million--or right at 8 million payday loans in the State of Florida last year?"
"We had a terrible problem in Florida. We addressed that back in the early 2000s."
"But what I am suggesting--to you, sir, is you are not using logic and reason to dictate what is going to be a policy that is forthcoming in spring."
"Can you give me in 18 seconds or less a little anticipation of what we may see in the rule you are going to promulgate this spring with regard to short-term loans?"
"Do you know how many complaints they had registered with the Financial Services Regulatory? 117."
"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."