We all want business to be successful and for capital to be available in our communities but when it comes to this issue, I mainly want to ensure that responsible, working-class families in my district can still buy their first home.

However, we can't allow overregulation to dry up credit for the families trying to participate in the American dream.

Of course, we are all concerned with the health of FHA and the need to reform the system in order to ensure its sustainability.

I believe that the Home Equity Conversion Mortgage program, when used properly, can be very useful as a tool for our Nation's seniors.

The Orderly Liquidation Authority, or the OLA, provides an alternative to bankruptcy that will most likely arise when a financial institution's failure threatens the broader economy.

How can creditors of Systemically Important Financial Institutions accurately evaluate risk when the FDIC holds so much discretion?

Due to the complexity of Systemically Important Financial Institutions, the drafters of Dodd-Frank provided a great deal of discretion to the FDIC and Treasury.

Is breaking the law not asking for much? The law did require that this occur within 90 days, correct?

But it was possible to comply with the law. Correct?

I agree with lifting the ban. I also believe that as the Federal agency which is charged with protecting the markets, facilitating capital formation, and protecting investors, it is important that we look at those investor protection…

What I heard, and what I plan to discuss with the witnesses today, was that it is, in fact, the case that Federal regulations are negatively affecting consumers.