Shelley Moore Capito

EPA's objections have drastically impacted the ability of our State to run our own NPDES permitting under Section 402.

We have got people who are withdrawing a lot of their applications, capital investments not going forward in our coal mining region because of the difficulty with the permitting issues.

I would like to know from you, Secretary Darcy, how has the interaction between the Corps and the EPA changed since the 2012 court decision?

I want to thank you. I am Shelley Moore Capito from West Virginia.

Personally, I don't believe it is a good thing, and I'm worried about that for our customers, for our consumers and for the folks that you represent.

I think that's the question, because you have all sorts of regulatory participation in a lot of different ways.

A one-size-fits-all regulation is not appropriate in this arena

I think it could be really devastating.

So again, we're pushing business out of the community bank into the big four, I think you both mentioned in your testimony that the big four has what, like 43 percent of the business--

Republicans have offered common-sense proposals that provide for greater congressional oversight of an agency that will be spending hundreds of millions of dollars each year without compromising the core mission of protecting--a shared…

Many of my colleagues on the other side of the aisle like to highlight the number of times the CFPB has testified as proof positive of sufficient congressional oversight.

I believe that the appraisal process is absolutely essential and so important to the mortgage process...

Many of us in this room have been through this process and we know it is daunting.

I want to thank our panelists and our audience.

The CFPB was created, and Dodd-Frank itself was created to protect consumers, those who had been harmed.

And I want to thank Mr. Renacci for serving as our host. He is my vice chairman on the subcommittee.

It is an outrage, and until we can get the private banks to work with us, and help modify these loans...

Thank you, Chairwoman Capito for that.

We're going to take back what we're hearing today to Washington and formulate policy that will enhance your ability to do business.

We're good-hearted people, so I'm very, very happy to be here.

It's my first personal visit to the City, and it's just lovely.

Am I understanding this--so, first of all, my main question is, is FHA broke? That is a concern in simple language.

I am concerned that without reform, rental assistance will continue to grow as a percentage of HUD's budget, and an opportunity could be missed.

Many housing programs can benefit from cost savings through reform, by eliminating inefficiency and needless requirements.

In a climate of tighter budgets and limited resources, it is essential that we find smarter ways to spend our dollars without sacrificing assistance to those in need.