I see upside, but I see huge, huge, downside.

I would urge you to move expeditiously.

But again, and it is easy to sometimes sit up here and attack rather than manage all three of these, but there could be this moment in time where these factors all come together that could have a really negative effect on the economy.

I was very proud of the fact that working with then-Chair Crapo... we actually got $12 billion...

I do worry, when we have got as aggressive a monetary policy we have at this moment in time...

I think it is time to revisit.

I was around when we set up the CFPB. A lot of this was due to the fact of abuse of consumers, and frankly, a lot of it was sometimes in the case of making sure that our financial institutions did not discriminate against any group of…

I was absent on Wednesday May 31, 2023, for rollcall vote No. 134. Had I been present, I would have voted nay on the motion to proceed to H.J. Res. 45, providing for the congressional disapproval under chapter 8 of title 5, United States…

I was absent on Tuesday, May 30, 2023, for rollcall vote No. 133. Had I been present, I would have voted yea on confirmation for Darrel James Papillion, of Louisiana, to be U.S. District Judge for the Eastern District of Louisiana. Mr…

I used to be governor of Virginia and we were very proud of the fact we kept that AAA bond rating.

We do need a rules-based approach that looks at these foreign technologies that pose national security.

I used to be governor of Virginia and we were very proud of the fact we kept that AAA bond rating.

We do need a rules-based approach that looks at these foreign technologies that pose national security.

I used to be governor of Virginia and we were very proud of the fact we kept that AAA bond rating.

We do need a rules-based approach that looks at these foreign technologies that pose national security.

I think this was a disaster that could have been avoided, on Silicon Valley Bank in particular.

I do know, and I appreciate the fact that we need to move on some of this legislation.

Would the absence, in the case of Silicon Valley Bank, of not having a chief risk officer for 8 months... would that have not been a board responsibility to hold management accountable?

The number of notices that the regulators had the bank management had that things were going awry and the fact that nobody acted on those is extraordinarily problematic.

The enforcement actions that are currently at regulators' disposal do not take into account oversight responsibilities...

I think we always knew it was a huge issue, but in a post-COVID world, I do not know any family, including mine, that does not have some challenges around mental health.

But don't you think even if you get the information right, the amount of time that that information stays right is going to be a short term?

I do think, and again we are--I may take a little issue with Dr. Rideout's position, because I do think you have to get the information right.

It was used to get out the vote as opposed to what they said they were going to do, and that was provide PPE due to COVID.

Thank you for giving me this chance to testify.