I think you should be allowed to know what the law is before you are accused of breaking it.

I believe that to be the case. Yes, sir.

It is extraordinarily difficult to reduce the size of a Federal bureaucracy.

Actually, nothing could be further from the truth, Congresswoman.

I cannot change that. So if it is going to exist, this is what could be done to improve it.

I do share your concerns, and maybe we can talk, if somebody wants to, about some of the data security issues that we face, as an agency.

I hope so. That is what we are shooting for is a balance.

Taking a meat cleaver to it. Yes, sir.

If you want to lend money to people and take a lower-than-market rate of interest, that is your business.

That we act a lot more accountably to you folks.

The Consumer Financial Protection Bureau does not exist.

Yes, I think we would be able to do that.

I don't think anybody in this chamber would suggest that the community banks or the credit unions were the cause of the financial crisis.

I think since I have gotten there, things have changed.

You have to change the statute.

We are still going after bad actors.

I would be happy to take a look at it.

But my point is an appropriations process helps shed light on things, and y'all are voluntarily choosing not to do that, and I do hope you would remedy that situation.