Jack Reed actually said...

"I think many American consumers would actually be surprised to know how many people, how many businesses get access to their credit reports without their knowledge."

"But with respect to regulatory agencies, the impression that I have from the discussion is that it is all sort of retrospective, after the fact, that they can go in and make a judgment."

"Consumers should have the legal right to withhold or divulge their credit score."

"I think that is a good message, but, again, I think apropos of some of the comments of my colleagues, you know, specific evidence that it is working."