Capitalism is the greatest force in the history of our world for lifting people out of poverty.

We are a nation of opportunity and incentive, and because of those principles, we are a nation of hope where everyone can benefit.

I want to support my colleague, Mr. Luetkemeyer. I am a small business owner back in Texas, and I have a real concern when I hear the comments today about supporting this untested manner of accounting.

I am a small business owner, and have been for 50 years. I am a Main Street guy, and I believe that the private equity industry is the epitome of capitalism.

You are always welcome in Texas.

We should not discourage the private sector from investing their own time and money to research these new technologies.

I personally feel like this is an extremely shortsighted approach to this issue, and that it would put a self-imposed handicap on American companies and entrepreneurship.

Dodd-Frank greatly increased compliance costs on smaller institutions throughout the country.

Excessive State and local regulations, land use restrictions, outdated zoning laws, and parking mandates are just a few things that increase the cost of developing new affordable housing units.

I have long been an advocate that banks should be hiring more loan officers than compliance officers.

Good. Well, competition is good.