Patrick Toomey actually said...

"A reform that includes accumulated savings has a huge advantage."

"They collect nothing. They have nothing--nothing to pass on to their kids."

"Is there any chance that some people who currently need and get access to credit will no longer have that access to credit?"

"So, you are not able to set any old rate you like, because if you do, someone else who competes with you will set, presumably, a lower rate and competition imposes a discipline in this space."