Robert Menendez actually said...

"Have you shared your initial findings with HUD for their review?"

"Even if there was no intent to discriminate, a disparate impact could still be cause for concern."

"Can you talk a little bit about your efforts to gather information on this effort about how we minimize the gap in appeal rates between homeowners?"

"Well, that will be a challenge, although maybe one we will consider undertaking, but we are going to have to get it right for the money that exists before we can make the case for the next tranche of ..."