I disagree with Mr. Carpenter's earlier statement that the standard should be left to the industry because the big banks are not disinterested arbiters of what is best for consumers.
Ritchie Torres
The Public Record
Ritchie John Torres is a member of the United States House of Representatives, representing New York's 15th congressional district since January 3, 2021. A member of the Democratic Party, Torres has focused on issues such as affordable housing, healthcare, and social justice throughout his tenure. He is known for his advocacy aimed at improving the lives of his constituents and addressing systemic inequalities. Torres made history as one of the first openly LGBTQ Afro-Latino members of Congress, bringing diverse perspectives to legislative discussions.
I have a real concern that the biggest banks, in opposing a Section 1033 rulemaking, are stifling competition and choice under the guise of consumer protection and cybersecurity.
Three years ago I came across a New York Times article with the following headline: 'The Mad Dash to Find a Cybersecurity Workforce'.
Both the 2020 and 2021 election cycles have been a powerful testament to the influence of the Black vote. I proudly come from New York State where we have seen a golden age of Black political power: the attorney general, the State Senate…
I represent one of the most unbanked congressional districts in the country.
Is it fair to say that we have a financial system that robs poor people of their fixed income, that essentially siphons the most from those who have the least?
The best path to affordability for all Americans is the Ending Homelessness Act, which would universalize Section 8 vouchers.
If the only incentives are to engage in activity that is, you know, sort-of hostile to the people that you serve, then you are going to have a culture that looks an awful lot like the culture at DHS.
I am wondering if that same dynamic exists within the ranks of DHS law enforcement and whether DHS has a system in place for tracking abuses among officers and a system for early detection and intervention?
You know, if DHS is not effective at policing abuses among its own law enforcement officials, what reason is there to think that DHS would be effective at policing abuses among State and local law enforcement officials who have been…
I am wondering if--and this question is specifically for Ms. Mulligan--do you share my concern that continuing the 287(g) Program, which expanded exponentially under the Trump administration would only serve to perpetuate that crisis of…
I will just quickly state, you know, we are in the midst of an FDR moment, and we have an historic opportunity to govern as boldly in the 21st century as FDR did in the 20th century. But the difference between then and now is ours is going…
We are not only from the great State of New York but the great county of the Bronx. Education is infrastructure and who better to speak about education than a lifelong educator. Well, before running for Congress, our next speaker was a…
I thank Chair Beatty for yielding. And I know brevity is the soul of wit, so I will express my thoughts as succinctly as I can. I am honored to be the co-chair of the CBC Special Order hour and to serve under the dynamic leadership of the…
What oversight mechanisms are in place to ensure that Luma is held accountable for its spending?
What is the status of the $10 billion allocated for Puerto Rico's power grid?
Can you explain to me the inexplicable decision to deny or delay reimbursement for Health and Hospitals?
In TransUnion v. Ramirez, the Supreme Court, in an act of judicial usurpation, held that the courts, rather than Congress, ought to decide which legal rights are enforceable in Federal court and which harms are concrete enough to establish…
I am one of four Representatives of the Bronx, where 30 percent of residents have no credit history.
Congress can and should act to address Ramirez by passing the right to seek injunctive relief under the Fair Credit Reporting Act.
In the United States, there are 1.4 million LGBTQ businesses contributing more than $1.7 trillion to the American economy. We have a vested interest in sustaining and strengthening these businesses with equal access to credit, which is the…
Does DHS have the authority to require reporting of cyber incidents as a condition for receiving DHS grants?
How did you find out about these attacks? When did you find out? Did you find out immediately?





