Robert Menendez actually said...

"I think there is no question but that complex, unregulated mortgages are what are driving the current foreclosure crisis."

"What policy responses do you think make sense based upon those findings?"

"But at the end of the day, if we allow millions of people based upon incentives that move individuals to try--entities to try to move individuals to products that are good for the lender and/or the br..."

"So it just seems to me that when we go down the list of questions of what the average consumer might find themselves in, we see the incentives, for example, in the mortgage crisis for lenders to move ..."