Madam Speaker, this is a very emotional time for many Americans as they look at pending unemployment, long months of addressing the question of how they pay their mortgage, and reflecting on how we got to this place. That is why I stand today to support the underlying rule and this financial accountability complex legislation that has taken many, many hours and days and weeks for us to come up with a way to say to America, We heard you. And so the first point of this bill is that there will be no taxpayer-paid bailouts. And then for the first time the consumers of America will have their own personal advocacy. They will have the Consumer Protection Board that will look at credit card increases and outlandish interest rates. They will have an oversight board that will look at how they address the question of banking loans. Small businesses will be able to access credit. There will be transparency and accountability. What is there to be opposed to? Those who happen to be included in minority- and women-owned businesses will for the first time not be stopped at the door to access credit. Then of course we'll be able to have an oversight board that will forever eliminate the words ``too big to fail.'' Experts who will continuously look at the infrastructure of this financial system. We know that capitalism is strong, but it must be a strong system that has a heart, that can withstand the scrutiny of those who are seeking to find the weaknesses.…
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