"the evidence for first-time homeowners over the last 3 years is that the first-time homeowners have been in decline"
"It certainly appears to me that the consolidation within the banking space has led to more access and opportunities for smaller credit unions to continue to grow----"
"in Section 1022 of Dodd-Frank, it states plainly that the Bureau, by rule, may conditionally or unconditionally exempt any class or covered persons, service providers, or consumer financial products o..."
"the fact of the matter is that with better information provided by staff, the number is around four million under- and unbanked households"
"There is no doubt that the number of members at credit unions are higher."
"The contraction of credit unions and banks, obviously, are happening, and there is a consequence that comes with the regulations."
"the only way that we have been able to recover truly has been through the assistance of both the SBA and FEMA."
"What we heard from that hearing was many of our citizens were very thankful for the responsiveness of both agencies."
"Do you have any recommendations for ways to reduce the hurdles or the bureaucracy that is in your agency?"
"Getting rid of predatory practices in the credit card industry, in the mortgage industry, in the lending industry in general allows middle-class families and families of modest means to be successful ..."
"Thank you so much for putting a cap on the interest rate."
"If first-time home buyers have fallen for the third consecutive year, logically the disproportionate impact is on people of color."