02/12/2013
https://www.congress.gov...
"It can undermine our economy when it is offered on terms designed to take advantage of consumers."
"Credit can be undeniably a good thing. It allows people to borrow against their future earnings."
"The pathway to a strong economy and a strong middle class has been more and more difficult to travel."
"We ran into problems about 10 years ago when we failed to share information."