If you do not know the Rodriguez family of Mesquite, Texas, do not presume to choose their bank account for them.

The goal should not be enhancing regulation; the goal ought to be enhancing consumer protection.

Forgive me, but I do not buy it.

I would say either, one, your testimony is not needed, or it has succeeded beyond its wildest expectations.

We simply cannot enshrine a too-big-to-fail bail-out policy.

There is no doubt each of us knows what a critical role the insurance industry plays in our economy today.

We don't necessarily need more regulation; we need smarter regulation, which will help the consumer.

Finally, I hope, I hope that in America the term 'systemic risk' is not now being used the way the term 'internal securities' was once used in the farmer Soviet Bloc.

If someone aspires to be the next Bill Gates, Oprah Winfrey, Warren Buffett, or Charles Schwab, we should tell them, the sky is the limit.

Executive compensation limits to address systemic risk are the wrong remedy for what is probably a nonexistent problem.

From my perspective as a member of this committee, and as a member of the Congressional Oversight Panel for the TARP program, I believe there are a number of 'but for' causes of our economic recession.