I want to make sure that those folks are not discriminated against. I want to make sure that they are not redlined.

I will tell you, in Nevada, from 2007 to 2014, there was no Federal oversight predicting what was going to happen and then there helping us address the issue.

I think sound data is critically important in informing the policies and decisions that you will be making.

I cannot imagine anybody in either party on this Committee that has sat here and listened to the litany of abuses from Wells Fargo would think that is justified to give a CEO of a bank like that a 36-percent raise.

Would you agree that the Fed underestimated the human costs of a potential financial crisis prior to 2008?

I am very concerned that cost-benefit analysis fails to capture the human and economic cost of massive financial system failure.

I represent Nevada, which is within the San Francisco Federal Reserve District. We are one of the most diverse districts in the Nation.

But there is no independent verification that you are actually doing it, correct?

Washington is repeating a failed pattern of boom and bust.

Somehow 'tailoring' only seems to go in one direction these days. It happens to be the direction that Wall Street wants.

So let me ask you this: If S. 2155, which excludes 85 percent of banks and credit unions from reporting HMDA, becomes law, can you ensure that banks making fewer than 500 mortgage loans a year are not engaged in redlining or other types of…

And how can we in the public sphere ensure that you are doing that?

Thank you for holding this hearing and to all of you for being here.

As we have heard today as well, many people are in more extensive guardianships than necessary.

the overhaul of our guardianship laws began when I initially introduced as AG legislation

So there was an article in the Washington Post in January about an FTC action against a robocaller from California who had made billions of illegal robocalls...

What I have seen and heard here today unfortunately is a system failure that has allowed these predators to thrive.

What I would love from the four of you your thoughts.

Nevada's requirement is the best practice.

I'm looking at--excuse me--to introduce legislation to include criminal penalties or criminal enforcement.

But there are legitimate businesses that engage in abusive calls is my understanding. Isn't that correct?

One of the things they did additionally was create an additional right outside of that, and that is the right of a protected person to age in his or her own surroundings.

There are limitations to civil law enforcement; we're well aware of that.

I agree, and I think and just from my experience, I know many law enforcement agencies have specific units that just focus on child sexual abuse.

I am committed to making change however we can, systemic change, and I am looking forward to the USOC coming here along with the National Governing Bodies.