Robert Menendez actually said...

"Accountability will give the public confidence that our bank regulators, the OCC, and the Federal Reserve are fairly and effectively working to protect borrowers' rights."

"What I do not understand is if you do not release some sense of full guidelines, then how are borrowers supposed to know if what happened to them will qualify for relief or not?"

"I personally went to the Web site, which looks very unofficial to me, as well."

"So who do you consider your client?"