Jeff Merkley actually said...

"Well, please, that is so insincere, that the banks would say, yes, the homeowners get to pick the independent reviewer."

"Why did you all want to keep the independent reviewers secret?"

"I think there is both a substantive concern about conflicts of interest. There is also a perception issue related to these questions."

"Will the details on those analyses be conveyed to homeowners so they can evaluate whether they should spend the time pursuing this process?"