Tom Coburn actually said...

So there was no secondary follow-up by OTS to changes that were requested by OTS.

Well, I would have no doubt that OTS has a system today, especially in light of the hearings that have been held.

The lesson of OTS is not that we necessarily need more regulators, because clearly regulators can suffer the same flaws as banks--selfishnes...

I come to the conclusion that actually investors would have been better off had there been no OTS