former governor of the federal reserve dan turillo, he has outlined a number of concerns. law professors, fair housing advocates, big bank experts, people who provide legal services across this country who deal with foreclosures, and civil rights groups are telling us we can't go down that path again. we know what happens next. it's hieb rust to think we -- hubris to think we can gut the rules in these banks again but avoid the next crisis. if you strip the rules away from the big banks and you turn your back as regulators on misfeasance and malfeasance, that collective amnesia, we're going to pay for it, and we know we are. there are so many important things that we should be doing here instead. we should be addressing the fact, and the presiding officer and i have been working on this bill, the workers and retirees in ohio and across the country who might have their pensions, the pensions they spent a lifetime earning, they could be slashed in half if congress doesn't act. we could be doing that. we could be addressing the fact that 400,000 ohioans pay more than half the

dan turillo, read of regulation for the federal reserve wants us to vote no. sarah bloom raskin at the federal reserve and secretary of treasury. tom honig, a republican who said fdic, earlier was a fed president. antonio weiss at the treasury department. paul tucker, international regulator. phil angelides, former california state treasurer who ran the commission that examined what happened in the bank crisis, all wrote to the senate, all outlined a combined 28 pages worth of concerns about this bill, and my colleagues just say oh, this is just helping the small community banks and some of the regional banks a little bit. well, not exactly. that's what happens here. we start off wanting to help the small banks. we start off helping some of the mid-sized regional banks that generally do a good job, banks like runnington and fifth third and key bank, but then wall street gets involved and wall street drives a bigger and bigger hole in this bill and gets more and more help and more and more breaks, and look where we are. mr. president, i ask unanimous consent to