Mike Rounds actually said...

the chronic failures of the IHS, failures that, frankly, are just unacceptable

My concern is that sometimes as we try to protect individuals, we actually limit the availability to them of opportunities to invest.

I think that this Committee should consider proposals like what were in Brown-Vitter, which would require a 15-percent leverage ratio.

I do not think there is anybody up here that wants to see banks without regulations.