Patrick Toomey actually said...

"The Banking Committee has not in 13 months held a single hearing on strengthening consumer protections."

"If we have learned anything from the crisis, it is that Wall Street encouraged behavior that caused the crisis at a steep price to American homeowners and American renters."

"I could see an adverse effect on business investments. Investors would be pressured to move further out the risk curve, even further than they have already been pressured."

"isn't it also true that there is an internal memo at the Fed from, I think it was, August of 2010 that raises doubts about whether the Fed has the legal authority to impose negative interest rates?"