Jeff Merkley actually said...

"So one idea that I recall from the Card Act debate--and this may have been Senator Wyden's bill, but if it is not, Senator Wyden, do not take offense."

"this is not just an issue for the individual person, but it is an issue for our national economy."

"It is my impression that a significant number of fees are taken off the top before the returns are distributed."

"that is roughly $400 per month."