." >>> let's turn to gayle hillibrand, the associate director for the consumer education and engagement center at the consumer financial protection bureau. welcome, gayle, a pleasure to have you here tonight, thank you for joining us. >> thank you. >> let me start out with the basic question that aditi roy posed in her report. do you think the country's credit bureau industry is adequately regulated? >> we share the same deep concern that members of the public are expressing about this data breach and we'll certainly be looking into it along with several others in federal government. >> do you think there needs to be more or tighter regulation? >> it's clear there's something to be looked at here. there are a lot of people in washington who will be doing that. >> let's talk about the credit freeze issue. first of all, do you think that we have an issue with experian or transunion and what should a consumer do or an investor do, for that matter, if perhaps we see the same sort of situation develop there? and do you think we might see that? >> so data is valuable to criminals, and people