Robert Menendez actually said...

Removing barriers to refinancing will help the effectiveness of monetary policy, allowing the Federal Reserve to more quickly reduce its eff...

It is important to remember that there was widespread steering during this housing bubble of overpriced credit to African American and Hispa...

Thank you very much. Thank you all for your testimony.

I take no joy out of what you describe as punching, using Mr. DeMarco as a punching bag.