Jeb Hensarling actually said...

Regardless if it is perceived in real benefits, many of us believe that there has been a substantial cost.

Clearly, the case can be made that we need more capital.

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

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