MICHAEL GRIMM

Access to credit, I think, is something that is a problem throughout the entire United States and throughout just about every community.

As a former FBI agent, I am well aware of the threat cyber crime poses to individuals, institutions, and, most importantly, our national security.

I agree that we need both. But I think ultimately, we also need to be cognizant of the fact that it is a balance.

But I would say the biggest problem we have had is a lack of enforcement, and it is the enforcement that we really need to focus on.

As a Marine combat veteran, it is a unique honor for me to address this Committee.

Clearly, this legislation has brought together a number of unlikely allies in support of our Nation's veterans.

It was these personal accounts of their recovery, both physical and mental, and the important role therapy and service dogs played that inspired my role in this legislation.

Today, over 2 million Iraq and Afghanistan Veterans have returned home to the challenge of an unemployment rate hovering near 10 percent.

Today, over two million Iraq and Afghanistan veterans have returned home to the challenge of an unemployment rate hovering near 10 percent.

I have to say that I am disappointed. I am disappointed that the Commission was really unable to put together a unified report to accurately assess the root cause of the financial crisis.

I am a little perplexed by the overreaching of Dodd-Frank, because a lot of this could have been avoided simply by enforcing rules we have had on the books for years.

But doesn't that beg the question, then, that it really is not a complete lack of regulation but a lack of enforcement and proper oversight?

this is the exact reason why the general public doesn't trust the government and doesn't believe that we ever have their interest at heart.

Everyone here is frustrated, and I think you are frustrated as well, because the answer to almost every question is, we have to play the hand that we are now dealt.

Ending the enormous and ongoing taxpayer bailout of Fannie Mae and Freddie Mac is, in my opinion, an absolute must.