Sheldon Whitehouse actually said...

"This makes me think that we need to really look at substantive regulation."

"American consumers are relying more than ever on credit cards to just make ends meet from month to month."

"High-interest-rate debt is financial quicksand for consumers."

"First of all, let me thank you, Chairman, for holding this hearing. This is a very important piece of legislation of those who have lived through it."