ms. warren. i think that you have a delicate balance. on the one hand, if you have to make sure that the consumers have the proper information to educate them about some of the practices in our financial services industry, but you also have the requirement to make sure that what you do will not thwart access to capital. for our consumers, for the banking community, and for small businesses. well at the same time, give the confidence to day that you will also protect the american consumer. protect access to capital. i would also like for you to address what impact my good friend on the other side of the aisle representative -- on the other side of the aisle has a bill. that bill basically 62 defunct -- seeks to defunct and keep you in treasury. i would like to address what this means to you. how will this make your duties better or make your duties worse? finally, i would like for you to address concerns of the banking industry. the banking industry is scared to death of this. they feel this is a

ms. warren. i think that you have a delicate balance. on the one hand, if you have to make sure that the consumers have the proper information to educate them aboutome of the practices in our financial services industry, but you also have the requirement to make sure that what you do will not thwart access to capital. for ouronsumers, for the banking community, and for small businesses. well at the same time, give the confidence to day that you will also protect the american consumer. protect access to capital. i would also like for you to address what impact my good friend on the other side of the aisle representative -- on the other side of the aisle has a bill. that bill basically 62 defunct -- seeks to defunct and keep you in treasury. i would like to address what this means to you. how will this make your duties better or make your duties worse? finally, i would like for you to address concerns of the banking industry. the banking industry is scared to death of this. th feethis is a threat.

ms. warren.i think that you have a delicate balance. on the one hand, if you have to make sure that the consumers have the proper information to educate them about some of the practices in our financial services industry, but you also have the requirement to make sure that what you do will not thwart access to capital. for our consumers, for the banking community, and for small businesses. well at the same time, give the confidence to day that you will also protect the american consumer. protect access to capital. i would also like for you to address what impact my good friend on the other side of the aisle representative -- on the other side of the aisle has a bill. that bill basically 62 defunct -- seeks to defunct and keep you in treasury. i would like to address what this means to you. how will this make your duties better or make your duties worse? finally, i would like for you to address concerns of the banking industry. the banking industry is scared to death of this. they feel this is a t

ms. warren here. thank you for being here. i want to start by, and i'm getting a copy of this speech that you delivered to the financial services roundtable. i'm going to put it in the record. i was there. i thought it was one of the most thoughtful speeches i ever heard given to a group that came into the room with an adversarial nature. they walked out of the room feeling a lot more confident that none of the horror stories or horror possibilities that had been postulated and tossed around rhetorically in the political context were about to happen as a result of the passage of dodd/frank and standing up of the consumer protection bureau. i want to compliment you. i came the that very night and complimenting you on the speech and asked you to send a aye -- i came to you that very night and complemented you on the speech and asked you to send me and a number of the financial service people in my congressional district a copy. when they have raised concerns, many of the same rhetorical concerns were raised. i want to compliment

ms. warren here. thank you for being here. i want to start by, and i'm getting a copy of this speech that you delivered to the financial services roundtable. i'm going to put it in the record. i was there. i thought it was one of the most thoughtful speeches i ever heard given to a group that came into the room with an adversarial nature. they walked out of the room feeling a lot more confident that none of the horror stories or horror possibilities that had been postulated and tossed around rhetorically in the political context were about to happen as a result of the passage of dodd/frank and standing up of the consumer protection bureau. i want to compliment you. i came the that very night and complimenting you on the speech and asked you to send a aye -- i came to you that very night and complemented you on the speech and asked you to send me and a number of the financial service people in my congressional district a copy. when they have raised concerns, many of the same rhetorical concerns were raised. i want to compliment