Kelly Ayotte actually said...

"I think there was somebody who--who kindly mentioned the fact that, you know, you would want to make sure--and I think it was you--that, you know, while the Federal regulators had authority to do what..."

"The way to eliminate that, without having to go through, you know, the heroic efforts of most people on this panel, is to simply ban these third-party charges."

"I appreciate your willingness to speak with your industry colleagues, and I look forward to your supplement."

"If you're a bad actor, do they even send the notices?"