Jack Reed actually said...

"Thank you, Chairman."

"I think in North Carolina you actually have some real evidence of what happens when a law is impose and then again when it is taken off."

"predatory lending is fundamentally, structurally different than responsible lending. High-cost lending turns incentives on their head, so that lenders succeed when borrowers fail."

"Cyber security is the issue de jure and will be, I think, for the rest of our lives."