winners out of this weren't the foreclosed homeowners, constituents who walked away with $2 billion in feeses2 billion. the settlement for 4 million homeowners were $3.6 billion to the nearly 4 million wronged homeowners and $2 billion in fees to seven independent consultanting firms. here's the subcommittee senator brown asking if those fees paid to the consultants took away from money victims ultimately got in settlements. >> if you're the bank and you realized you spent $90 million on paying consultant x, don't you think that affected their negotiations on how large a settlement it would ultimately be? >> i can't speak for the banks. >> how do you know it didn't is the better question. >> i don't know it didn't. >> you don't need to get inside their head to know the answer to that. the best part, everything revealed at the hearing today, everything the independent consultants they found out the banks were doing wrong, members of congress can't see. even though it's a federal regulator, the occ is not turning it over, called it confidential supervisory information. joining me tonight is the