"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."
"90 percent of them said that they thought payday lending was a bad thing."
"Thank you, Chairman."
"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."
"Well, thank you very much, Director."
"CBO aspires to, and must maintain a non-partisan, independent, and reliable record on the Hill."
"The roles that the Library, CBO, and GAO all play are critically important to making sure that Congress can serve the American people well."
"This budget request is the first step in that transformation."
"I think this is an area that we have to look at, particularly in cyber."
"Thank you for your very thoughtful and eloquent remarks, very much."