While there is no bill that is a perfect bill, Dodd-Frank has given us a foundation to build upon to make sure that there is strict transparency in our markets and that Americans can continue to live the American dream.

I am concerned that it does not do enough to address the full scope of the issue.

Four years later, Mr. Chairman, we can proudly say that we have made great progress not only in restoring confidence in our financial markets, but also in safeguarding and preventing the excessive risky behaviors of the past.

So somebody did something wrong. On their own, we didn't have anything covering it, but somebody did something wrong.

Let me go back. So then, now, from what I am hearing, and I have heard from a lot of my colleagues especially on the other side of the aisle, is basically what they want to do is get rid of Dodd-Frank.

Many have forgotten how far we have come. You led when the country needed strong leadership, when our most prized financial institutions were collapsing and when average Americans were helplessly losing their jobs and retirement funds.

The economic success of the Dominican Republic is linked to the economic well-being of the United States.

I was truly impressed by the Dominican Republic's commitment to humanitarian assistance and disaster relief.

Members of this chamber are closest to the American people that we represent in Congress, and I can assure you that we hear loudly and clearly from them that they are not feeling this recovery.

Unfortunately, what we have done today, 'Operation Choke Point,' is going well beyond fraud.

Mr. Osterman, with all due respect, you know and I know, as a former examiner, and you know it, that the banks are scared to death when an examiner comes in there and threatens them.