Randy Neugebauer: “HUD's current 'Trust but don't verify' approach to oversight is unacceptable.”

one of the reasons that government is not good at pricing risk is because sometimes instead of pricing it actuarially or based on a risk model, it is priced politically.

I think we have really been talking about the people that we need to be talking about: the consumers of financial products. Those are actually the people who are most affected by this.

I am not a big fan of the SIFI designation because I believe it is an implicit designation of an institution being too-big-to-fail.

I remain concerned that many of the Bureau's actions demonstrate a regulatory paternalism.