"Just a quick comment, and not to belabor this point, but I do want to kind of go on record saying we need to be careful with one-size-fits-all."
"It is absolutely critical that we maintain a role for independent community banks and credit unions."
"You have to take a risk-based and specific targeted approach to address the issues that are relevant."
"the best enforcement tool is a good deterrence."
"I hope in 10 years you are right."
"I think the concern here is that in anything like this that is going to have a fair level of controversy..."
"We have an acute shortage and affordability issues due to our economy as things grow."
"We are not only mortgaging our kids' future; we are mortgaging their parents' future, their grandparents' future, and we are putting their homeownership and their retirement at risk."
"He will never retire that debt. He will never get out from underneath it."
"This needs to be done in conjunction with institutions of higher learning."
"But what did the agency do, or what did DOD do, to mitigate those effects--look at lower cost options, look at ways to do outreach that may not be consistent with the traditional programs that you wou..."