04/13/2011
https://www.congress.gov...
"Thank you very much, because I think that is an important clarification of what happens, effectively, on the day that the agency stands up."
"So which check----"
"Well, thank you very much, Mr. Chairman."
"Well, how effective has it been since I believe Congress in the 1990s--in 1993, 1994--passed HOEPA, which was designed to address the issue of predatory lending?"