Robert Menendez actually said...

"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..."

"I do have concerns about how we structure this in a way that affects community banks that clearly have not been at the forefront of our economic challenges."

"If it was just community banks, we would not be in trouble."

"This Committee doesn't have to wait for 18 months. We can begin to do an awful lot here in this Committee to highlight the interest and the concerns about these matters."