Jeb Hensarling actually said...

Wouldn't they want to know what is lawful and what is unlawful? If an act is abusive, it would be unlawful.

You came before us 6 months ago as an unlawful appointee and probably an unconstitutional one as well.

I guess, Mr. Cordray, what is of concern here is whether or not the agency refuses to write a rule or is incapable.

I believe they are an incredibly important tool. They have helped democratize consumer credit; made it more egalitarian.