These disasters also often fall hardest on low-income families and communities that have fewer resources to prepare for and respond to them.

Flooding is devastating to families, homes, businesses, and communities. And it is only getting worse.

You know what that means to low-income people.

The three witnesses today determine the financial futures of every American.

These companies are not just keepers of consumer data. They essentially manage--or mismanage, as the case may be--Americans' financial reputations.

People are busy enough with their kids and their jobs and their lives--they shouldn't have to spend that kind of time, because some company they've never heard of screwed up.

The three witnesses today determine the financial futures of every American.

I want to reiterate that one important way to achieve this goal is to remove all medical debt from credit report.

Today, credit reports are riddled with errors.

People are busy enough with their kids and their jobs and their lives--they shouldn't have to spend that kind of time, because some company they've never heard of screwed up.

You know what that means to low-income people.

It is vital that these reports contain only information that's useful and fair and, above all, accurate.

It increases credit scores by 32 points.

It increases credit scores by 32 points.

These companies are not just keepers of consumer data. They essentially manage--or mismanage, as the case may be--Americans' financial reputations.

It is vital that these reports contain only information that's useful and fair and, above all, accurate.

Today, credit reports are riddled with errors.

I want to reiterate that one important way to achieve this goal is to remove all medical debt from credit report.

It is vital that these reports contain only information that's useful and fair and, above all, accurate.

A shortage of affordable housing isn't just a housing problem. It's an education problem. It's a health care problem. It's an economic growth problem.

Thank you, Chair Tester, and I appreciate the work that--we have a package of issues on the Senate floor and I appreciate the work Jon is doing on that.

The three witnesses today determine the financial futures of every American.

I want to reiterate that one important way to achieve this goal is to remove all medical debt from credit report.

Today, credit reports are riddled with errors.

Thank you, Chair Tester, and I appreciate the work that--we have a package of issues on the Senate floor and I appreciate the work Jon is doing on that.