03/03/2020
https://congress.gov...
"You shouldn't put someone into a loan they can't afford. It is going to hurt the banks, it is going to hurt the economy, and it is certainly going to hurt the homeowner."
"That is what Dodd-Frank tried to accomplish, to show that we learned from our mistakes and that basic underwriting standards to prevent this from happening again were needed."
"It is no secret that leading up to the financial crisis, mortgage lending was literally out of control, with prudent underwriting taking a back seat to profit-seeking."
"Your agency came out with an overdraft fees report which found that some financial institutions... were following abusive overdraft practices."