Patrick McHenry actually said...

"This is not uncommon, based on the experience that I know you have had with this program for the last five years."

"I appreciate you saying it is a great success. I appreciate you upping the ante."

"You have a rules-based approach rather than an ad-hoc approach."

"Whatever we do to resolve the problems at FHA must be done with a mindful eye on how it could affect middle-class homeowners."