"I want to congratulate you on your 4 years as Chair."
"Why wouldn't the next Director, with a politically-different persuasion, not abuse his or her powers with the precedent you have set?"
"It is obvious that the CFPB's lack of transparency is of grave concern."
"You are implementing progressive policies at the expense of both consumers seeking financial products and market participants trying to comply with the law."
"Next month, there will be a new Majority in the House of Representatives. We look forward to more oversight."
"I raised this last April about regulation-by-press-release. In your first 6 months, you issued 49 press releases."
"Are those legally enforceable, though? Is that guidance legally enforceable?"
"So, you would tell folks who look at new guidance that was issued maybe this morning, that has no new force of law, no new obligation on them, that it is just guidance?"
"But I just want to close here. So in your view, guidance is not legally binding. Is that true?"
"I want to commend you for that outreach, because without that outreach, we could not have gotten a bipartisan product."
"I think every Member had something important and very, very thoughtful to say about what is taking place..."