mr. cordray. he appeared before our committee and said quote, i don't think it's appropriate for me to say i won't enforce the law." i didn't see the words grace period. it doesn't exist. the worst thing they can say about this bill is redundant. people who have been wronged by those who act purposely have a right to litigation. it only appears in t.l.a. and not in respa. you can't tell me where it appears in these forms. whose side are you on? are you on the side of the wealthy lawyers looking for the next big class-action payday or looking to help people who worked hard to put together a nest egg? who are you for? at least half of the democrats on this committee said we want to be with the homeowner. we don't want to be with the trial attorneys. and so that's really the choice we are making here. it is again, such a modest bipartisan bill. i have heard the ranking member say it's a waste of time. well then, why did she yield back. should call this on the suspension calendar and should have been