07/13/2021
https://www.congress.gov...
"I think the only real beneficiaries are not the rank-and-file business men and women, but those who deliberately will try to avoid following the law."
"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?"
"So which check----"
"Thank you very much, because I think that is an important clarification of what happens, effectively, on the day that the agency stands up."