Bob Menendez actually said...

"Would a mandatory arbitration clause and a class action waiver... leave the borrower with no meaningful path to challenge a lender's actions?"

"How can Congress and regulators ensure that lenders choose a replacement rate that is fairest to the borrower?"

"I hope that you do, in order to make sure we do not have millions of errors in this transfer."

"I do hope that the agency will be more responsive because I got nothing under Director Kraninger for all the years she was there."