Tim Scott actually said...

"the evidence for first-time homeowners over the last 3 years is that the first-time homeowners have been in decline"

"the fact of the matter is that with better information provided by staff, the number is around four million under- and unbanked households"

"The contraction of credit unions and banks, obviously, are happening, and there is a consequence that comes with the regulations."

"the mortgage market was good news for all around, that more opportunity for more consumers and a wider path to the American dream"