Flooding is the most common and most costly natural disaster facing families, businesses, and communities across the country.

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

We need to help our families and communities to adapt and become more resilient both to the flooding we face now, and to the increases we know are coming in the next several decades.

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

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

Today, credit reports are riddled with errors.

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

It increases credit scores by 32 points.

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.

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