Members of the Subcommittee, thank you for the opportunity to speak to you today about the first piece of legislation I introduced as a Member of Congress, H.R. 1424, the Fallen Warrior Battlefield Cross Memorial Act.

I first want to thank Chairwoman Waters and Ranking Member McHenry for holding this hearing.

I am constantly thinking about the nexus between emerging technologies and how they can improve the financial well-being of my constituents.

It's a huge problem.

I think you talked really well about just how you can go down rabbit holes in the engagement metrics, and things like that.

A very important topic, and one that's a little bit new to Congress, but one that, alongside of Madam Chair, and others on this Committee, we've been excited to lead on, and I think we're making progress, unlike some other areas of…

If you share child pornography, you have lost the right to privacy.

So I just want to drill down on that data-sharing component.

I would say, I would argue grossly irresponsible with how they manage some of the content on their systems today.

There's still a lot of these campaigns that go under the radar, and that go undetected.

Child pornography, let's get that off our platforms.

I think that makes sense. I'm also maybe equally concerned about just a random person somewhere in society who has access to this, and can produce these videos without any problem, and the damage that that can cause.

I think that makes a lot of sense. My fear is, you know, we're going to do the best we can. I don't know that, one, this is intellectually difficult to figure out, as Congress, and it's also politically difficult.

Reverse mortgages are an important financial product for many of our seniors, including many in my district.

the data is clear and overwhelming, and I, for one, am thrilled that we are starting to have serious conversations

I believe one of the main drivers to a lot of the problems we have in our society today is the breakdown of the family.

if you are borrowing at a 5-percent rate, a 4-percent rate, or a 3-percent rate, compounding capital and building wealth can occur.

the effects of massive debt on young professionals' balance sheets has a horrible effect on their ability to (1) start families, and (2) buy homes, basically to get started in the American Dream.

I have a constituent whom I talk to a lot about this and she went to my alma mater for law school, took out a bunch of student loans, and she and her husband are making real trade-offs as far as, can we afford to have another child, can we…

I believe this area is an incredible opportunity to explore how new technologies can be deployed to allow more Americans to gain access to credit.

I share the sentiment that Ms. Johnson just raised, which is the goal is to expand credit to as many Americans as possible.

I actually think this is the hardest thing for you. I do not actually think it will occur.

I think if we could hand-select our voters, we would feel pretty comfortable about our ability to influence whatever decisions are made.

I think what today's discussion is really about is trust and whether we can trust your company.

There is something glaringly missing from the group, which is everyday users.