no one sees them until eight years later when they are -- irown and they have have probably taken that too far already. fisa court opinions do not get that kind of oversight. get opinions like last night. there was genuine surprise across the political spectrum among the legal theorists and academics about the courts fourth amendment analysis. spectrumom across the thought this was not an analysis that makes sense. even people that support what the government is doing. that is the result of secrecy. that secrecy is unnecessary. i think everybody agrees that some degree of secrecy is necessary if you're going to have foreign intelligence surveillance at all. not -- i think jameel's respective -- perspective is a fair one. the question is -- how much can we afford to provide? how much transparency can we afford and still maintain operational effectiveness of the programs? i agree that it was not contemplated that courts would be looking at programs like 215. the record that has been revealed as convincing that the court approaches these questions with a degree of seriousness and anl fami

other -- irown and an hope we can move it to the finish line to accomplish this. the director taking them. we are now three years removed from the creation of the bureau. some growing pains have been expected, but there is a time for the bureau to be reviewed and treated as a seasoned regulator. role,art of our oversight we expect all of our banking regulators to operate efficiently and to demonstrate transparency and to act responsibly. i appreciate the positive steps the bureau has taken in recent months, it has also taken several actions that have been widely criticized. and questions efforts to meet those expectations. however, there was no public input prior to this change being made. this particular policy shift could ultimately increase the cost of credit and reduce options for financing when an individual goes to buy a car or a truck. a bipartisan group of senators has septembnt a letter last wee highlighting these concerns. cfpb is also very active in other areas. and with this increased activity, the bureau has the responsibility to prevent potential reg