Robert Menendez actually said...

"Many, many servicers have agreed to start refinancing the mortgages and they feel they are protected by the guidance that you have issued."

"I think the housing plan that you and Tim Geithner and, of course, the President put together is really a home run."

"What you have done in your plan is laid out specific guidance that every regulator agrees to."

"I look forward to working with you as well."