Jack Reed actually said...

trend of deference to the Enterprises, including a reliance on the determination of the Enterprises without independently testing and valida...

It is not perfect. Seldom do we do perfect things here. But it is progress and we have not seen a lot of progress over the last few years.

You have led the way with proposals to expand the effectiveness of the HAMP program to make it more useful.

we have gone to extraordinary lengths to provide support for financial institutions, mainly through Federal Reserve policy of lowering inter...