I urge all of my colleagues to support H.R. 7664, and I yield back the balance of my time.

Thank you, Madam Chairwoman. I want to thank the Chairwoman and Ranking Member for including my bill in today's markup, H.R. 7664.

I urge my colleagues to support the bill.

Small businesses are scared to death of new government agencies, and when you start talking about hiring more, hiring more, that really worries small businesses.

small business is the heart of our economy, and they are getting buried right now.

Rather than holding the individual accountable, they believe financial institutions should be forced to fund these unsecured, short-term loans at no cost.

We see this as Democrats are demanding that people should not have to pay their student loans, effectively turning them into grants, and leaving taxpayers on the hook with billions in losses.

So on top of all this, we have people wanting to diminish the amount of negative information reported to the credit bureaus that are used by financial institutions to accurately assess the credit risk of borrowers.

In Texas, we often say, 'a deal is a deal.' But now it seems to be if one side doesn't want to uphold their end of the bargain, they go to the government to intervene on their behalf.

Exasperation is not a substitute for sound economic analysis.

These policies are killing, not will, but are killing Main Street America, I can tell you that.