ms. kraninger's nomination hearing. senator tillis asked ms. kraninger about the bureau's immense power and level of accountability. ms. kraninger told the banking committee, i have noted that my focus is on running the agency as congress established it, but certainly working with members of congress, i'm very open to changes in the structure that will make the agency more accountable and transparent. responding to a question senator toomey posed about the bureau's potential impact on small businesses, ms. kraninger said, i absolutely believe that there is a limited intent for the bureau to be engaged in small business oversight or engagement there, so that's something that should be limited. senator moran asked ms. kraninger about providing greater calculator -- clarity to company's overseeing by the bureau to which she responded i agree it is critical to have clear rules so that lenders, creditors and consumers themselves know what the rules are, that they are not somehow told after the fact that they broke a rule they weren't even aware of or