04/21/2015
https://congress.gov...
"But I understand that you, as your bank, since you don't hire someone from the outside to collect your debt, you are not subject to the Fair Debt Collection Practices Act, you are not subject to them."
"Do you realize how serious this scenario is with Wells Fargo?"
"Because your predecessor, when he was before us, I took it that he wasn't really serious when we talked about the grievous actions of Wells Fargo and how it affected Main Street."
"You would agree, if you are serious, that the egregious actions of Wells Fargo violated the Community Reinvestment Act (CRA). Do you agree?"