if the average taxpayer sees the Bank as doing exactly what I said before... the taxpayer wants to know what happens if all the loans go bad.

Now, I personally believe that the Bank needs reform.

the taxpayers are guaranteeing this. We need to get the taxpayers out of this.

How about Dodd-Frank? Maybe start thinking about that.

I think that your constituents in Texas can count on the fact that we are hyper attentive to what is happening in Texas and Oklahoma and flooding this year because of what we have seen happen in Sandy.

We have learned from the past, and we can be reassured that what we are talking about today won't happen again in Texas and Oklahoma?

I come from a retail background, and I think it is important that you--and I told your guys this when we talked last week that, please understand, these people are customers.

Without that trust, you might as well not be in business.

This committee, as you probably know, spends a lot of time discussing taxpayer risk.

regulations are killing Main Street. You all are Main Street. I am Main Street.

the CFPB, as I believe you have heard some of my other colleagues say, is not a friend of Main Street and is doing a lot of harm in America.