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

I thank the gentleman for yielding. Mr. Speaker, every single day we see more proof of the President's failed economic policies. We just have heard that last quarter's GDP was revised down. It's probably two-thirds of what it ought to be…

How can this not be cited as a major factor that could disrupt U.S. financial stability?

I have yet to see a reform plan for entitlement spending out of this Administration.

I see very little discussion of the U.S. debt crisis. We know that on a nominal basis, this country has now racked up more debt in the last 3 years than in the previous 200 years.

I thank the gentleman for yielding. Madam Speaker, we know our Nation faces very serious threats overseas, but we also have a very serious domestic threat as well, and that is our national debt, a debt that has increased more in the last 3…

when I am speaking to either Fortune 50 CEOs, world-class investors, small business people in east Texas, here is what I hear: number one, uncertain Federal regulation and certainly harmful Federal regulation is crushing jobs; number two…

2008 was 4 years ago. I think it is an inescapable conclusion that we have seen the greatest monetary and fiscal stimulus thrown at an economy in our history, and what do we see but 41 months of 8 percent-plus unemployment, 14.9 percent…

I thank the gentleman for yielding. Madam Speaker, I've heard so many of my Democrat colleagues come to the floor and question why are we here to vote to repeal the President's health care program. Let me offer a few reasons. Number one…

First, do not harm.

Dodd-Frank has codified too-big-to-fail... we have codified too-big-to-fail.