Carolyn Maloney actually said...

"One late payment can mean the difference between an affordable loan at a competitive interest rate and an unaffordable loan at a much higher rate."

"This is an important hearing because our credit scores have a tremendous impact on our ability to take out a mortgage, get a car loan, or get a credit card."

"I supported the JOBS Act and I worked with my colleague, Mr. McHenry, on the crowdfunding provision of the bill."

"I thank everyone for coming, and I especially thank Chairwoman Capito for having this hearing."