hensarling: mr. speaker, first i withdraw my point of order and i claim time in opposition. the speaker pro tempore: the point of order is withdrawn. mr. hensarling: mr. speaker, just now seeing this motion to recommit but there are a number of areas that frankly make very little sense to me. we -- the motion to recommit uses the phrase "has been found." i don't know what that means. the cfpb can enter into consent orders. does that mean this has been found, quote-unquote often consent orders are entered into without any admission of liability or culpability? next we have the term predatory. we won't find this term otherwise in title 10 of dodd-frank. what does it mean? we don't know what it means. how about abusive? abusive we know is at least charged -- the cfpb has not come up with a definition yet. we've been told some practices that might be total low legal for the market for some consumers might be abusive to others. what does that mean? the truth is, again, mr. speaker what we're trying to do

hensarling: every single american should have that opportunity. if the gentleman from tennessee who is hearing their voices and is representing their voices on the house floor today. again, i want to thank him for his leadership and thank him for the thousands and thousands across the fifth district of texas that i have the privilege and honor of representing, that just because they're low income, he knows he, knows that they still deserve that chance for the american dream. he's fighting for their american dream. and all we're doing, this was compromise language, mr. speaker. this isn't the bill i wanted. it's not the bill he wanted. it was compromise language and in fact the ranking member supported even a broader provision in the previous congress. but what has happened is yet again, the left hand doesn't always know what the far left hand is doing. and the far left hand has decided that all of a sudden we're going to aim at wall street banks and it doesn't matter if any person working at a wal-mart or working at a what thea deps burger loses t

hensarling: i thank you mr. speaker. i just want the house to again, focus upon what this underlying bill is all about. a most modest and bipartisan effort to simply ensure that the cfpb perhaps the single most powerful and unaccountable agency in the history of federal government, has some people to represent the voices of our small businesspeople. those that are being so harmed as we are losing a community financial institution a day in america, a community financial institution that helps fund our small mom and pop restaurants our automobile transmission repair shops, a farmer, a rancher, all of our small businesses all we are asking is that we have that counsel available. . what started out of our committee 53-5 -- yet unfortunately, there were people on the other side of the aisle who were for it before they were against it, we will have very substantive debates on the issues dealing with the cfpb but this one is a very modest one to have small business counsel, one that congressional budget office will not cost tri

is what happened yesterday when the chairman of the financial services committee, chairman jeb hensarling from dallas texas brought some reasonable opportunities to the rules committee for us to consider. so what are we doing here today? we're removing just a few of the regulatory weeds that were promulgated by the consumer financial protection bureau, cfpb. these mortgages that we're talking about have rules that make them harder for low and moderate-income americans to qualify for a mortgage. harder. so they negative impact consumers and community bankers who offer the majority of these loans to middle-class americans, and it makes them outside of the ability that people have to get them because of the high cost of regulation. these costs are passed onto consumers and once again are victims to overzealous regulatory regime who stated that they were there to help the consumer in the first place. mr. speaker, we're here today because we have a bipartisan piece of legislation that has gained over the last few years more people who understand the issues, not only those in the financial serv

make no mistake about the intent of the hensarling amendment. it is designed to back democrats into a corner by attaching and unacceptable provision cutting the cfpb's fwouget a proposal that democrats supported in committee. the important work of the cfpb will not be undermined on our watch. and this back door attempt to cut its budget sets a dangerous precedent of using bipartisan bills as a way to sneak through measures that undermine the bureau's independence and its ability to protect consumers. mr. chairman, we don't understand on this side of the aisle why it is that our republican friends hate the cfpb so much and have done so much to undermine them, to undercut them, to try to reduce their funding. they know as well as we know that prior to the establishment of the consumer financial protection bureau that we put into dodd-frank's reforms, consumers had no protections in the government of the united states of america. our regulatory agencies were not doing their jobs. they said they were focused on safety and soundness but who was worki

. >> it's pretty clear that hensarling does not want to extend the export-import bank. i understand going through the process of the committee. if the senate passes something, could you put -- could that get a vote? the speaker: i support any plan that the chairman can get through his committee. whether it would reform the bank wind it down. but there are thousands of jobs on the line that would disappear pretty quickly if the ex-im bank were to disappear. i told the chairman he needs to come up with a plan. because the risk is is that if he does nothing, the senate is likely to act and then what? >> that's what i'm asking. that was my question. the speaker: the question i pose to the chairman. you might want to ask him. >> delay votes on the appropriations bill last night, and why were appropriations bills taken up before the budget was passed? the speaker: our goal, obviously, was to pass the budget before we started the appropriation process, but we had a dual delay in terms of getting the conference report signed. so we started our appropriation process. and then la

make no mistake about the intent of the hensarling amendment. it is designed to back democrats into a corner by attaching and unacceptable provision cutting the cfpb's fwouget a proposal that democrats supported in committee. the important work of the cfpb will not be undermined on our watch. and this back door attempt to cut its budget sets a dangerous precedent of using bipartisan bills as a way to sneak through measures that undermine the bureau's independence and its ability to protect consumers. mr. chairman, we don't understand on this side of the aisle why it is that our republican friends hate the cfpb so much and have done so much to undermine them, to undercut them, to try to reduce their funding. they know as well as we know that prior to the establishment of the consumer financial protection bureau that we put into dodd-frank's reforms, consumers had no protections in the government of the united states of america. our regulatory agencies were not doing their jobs. they said they were focused on safety and soundness but who was worki

i thank chairman neugebauer and chairman hensarling and i yield back. mr. neugebauer: i reserve. the speaker pro tempore: the gentleman from texas reserves. the gentleman from massachusetts is recognized. mr. capuano: i yield to the gentlelady from ohio, the co-sponsor of this bill. the speaker pro tempore: the gentlelady is recognized. mrs. beatty: thank you, mr. capuano for yielding me time. thank you mr. neugebauer and mr. stivers. i rise in strong support of the capital access for small community financial institutions act of 2015, h.r. 299. i join congressman stivers in support of h.r. 299. my colleagues on both sides of the aisle supported this bill in a bipartisan fashion, which i'm very proud to be the lead democrat on. we have worked together to h.r. 299 reported out of the house financial services committee with a vote of 56-1. in fact last year, mr. speaker, the same bill passed unanimously on this house floor 395-0. mr. speaker, as you have heard h.r. 299 would permit privately insured credit unions to apply for membership in the federal home loan bank system. a prima

hensarling, he is a good leader. i disagree with him on the export-import bank, i think i correctly characterized his view on tria, but he did bring it to the floor and when he brought it to the floor it passed overwhelmingly. i won't pursue that further. i don't expect mr. hensarling because i think he honestly believes we ought not to have export-import bank involvement, but having said that, i think that's not the position of the majority of the house. when we last voted on it, it wasn't the position of the jorse of your party or of mine. that may have changed. i agree with that. but enge i'm pretty confident in saying that the majority of this house believes in order to make sure that we stay competitive with worldwide competitors that the export-import bank is a critical component of that competitive ability. so i simply hope that we will be considering it. if it fails, it fails. but i think the american public on this and so many other issues deserves a vote on this floor and as the speaker and i repeated this

. >> it's clear that hensarling doesn't want to continue the export-import bank. could you breng that for a vote? speaker boehner: i support any plan the chairman can get through his committee whether it would end the bank or wind it down but there are thousands of jobs on the line that would disappear quickly if the ex-im bank were to disappear. the risk is if he does nothing, the senate is likely to act and then what. >> that was my question. speaker boehner: that's the question i posed to the chairman, you might ask him. >> the decision to delay vote on the appropriations bill last night, why were appropriations bills taken up before the budget was passed? speaker boehner: our goal was -- >> taking you back live to the house as they gavel back in for votes. s.con.res. 11 which the yeas and nays are ordered. the clerk: senate concurrent resolution 11, setting forth the congressional budget for the united states government for fiscal year 2016 and setting forth the appropriate budgetary levels for fiscal years 2017 through 2025. the speaker pro tempore: the quest