Patrick McHenry actually said...

We need to ensure that alternative data remains nondiscriminatory and that consumer data and privacy are protected.

It seems to be a fairly proactive step. Her predecessor delegated that authority and didn't require a Board vote.

I asked the Federal Reserve and the Federal Deposit Insurance Corporation to at least defer any final decisions on the application for this ...

Despite the rhetoric, the Democrats have solidified the reality that size equals survival.