Patrick Toomey actually said...

"when we add this additional layer of regulation on institutions that are not individually systemically risky, we actually increase the risk that we will have a widespread problem."

"Well, and the sequence should include that all of that should be very well known and understood and publicly debated before anyone is subject to this regulation that they had no way to avoid but might..."

"Except you do not do it."

"How can that be unreasonable?"