but again, i don't disagree with commissioner rosch. i certainly, you know, we all understand we have to do belt tightening but let's say you're someone who was one of the 450,000 consumers who got a check in the mail from the federal trade commission because of loan servicing violations by countrywide then bought by bank of america. it's hard to say to them well, we're going to reduce the funding of the federal trade commission and as a result, you know, it's going to take longer, it's going to take longer to do that investigation, you might not bring this other case, you know, you might not effectuate the return of the money from what we believe was a pretty clear rip-off of larding up $300 for mowing the lawn, putting it on someone's servicing bill, then adding late fees and a variety of other fees. it's hard to tell those consumers we can't help you or we can't help you as soon as we would. so over time, if the cfpb survives and does the things that i believe it will, on behalf of consumers, then i think that's a real debate to have

rosch. i appreciate your comments. in spite of what the national news media leads you to believe, the congress has much more than the public thinks. and we, i think, enjoy the disagreement, but we can be friends on the side. and i think respect one another. i'm pleased to hear that's the way it happens at the ftc as well. i'm going to ask my first question about the consumer financial protection bureau and the the memo of understanding that the ftc has with the cfp. obviously mr. rosch, i know since it was over your dead body that the functions -- some of the functions of the ftc would be merged with the cpfb. i'm going to ask some process questions first. if you want we can get into the substantive discussion. but chairman lbewitz. i read the mou. but explain to us your interpretation of what part of ftc's jurisdiction is transferred to cfpb, how y'all are working together, and i also want to know that since because of that, the fact that you all are working together and some of your jurisd

commissioner rosch has been a leader. so it's a number around the anti-trust fund. so because this is an important issue and because there have been sop in the business community who have pushed back very vigorously about our use of this. we'll make us stop using it. we listen to all stake holders. we have taken the time to finish up a response. i think what we're going to do, and in fact, the attorneys general association is meeting in washington. one of the leaders is pam, who we work with on scams and a variety of other matters. >> we have lots of scams. >> we can talk about that in the context of the miami office a little bit later. and another is rob mckenna of washington. i'm hoping to talk to them a little bit more. >> i don't have anything to add. zblo on the sec question about alcohol practices in state. we have occasionally weighed in about the issues. going back to when the first chairman you should bush 43 read a report on competition in whine sales. we've been involved from time to time with this issue. if there's a particular matter, i'll circle back w

when commissioner rosch -- >> it's time for us to, we don't earmark anymore. therefore, we all need to be cognizant. there are several usd offices closing in my district and the post office distribution center and it makes me sad and angry because the agencies aren't doing what they ought to be doing but i'm saying do we really need them in this technological era in which we live? >> to the chairman's credit, i championed closing the atlanta office. and he has suggested that he would be at least in some future incarnation amenable to that as well. but that is something that i do think we ought to consider. >> if i can just add, look, if we had to start from scratch and we were given -- by the way, when commissioner rosch was the head of our bureau of consumer protection during the ford administration, how many offices did we have, 17 regional offices? >> that's why i say believe me, we will play havoc trying to close it. >> but i would say this. if we could start from scratch, first of all, i think there are some things regional offices can do including consum

and on the fee structure, because i am -- i am concerned about what commissioner rosch has said, i know you have budgeted for fees, just for the last five years, if you could give me a list of how much in feechs you have, in fact -- >> i can give you that right now, actually. >> okay. >> for the last ten years. >> you are just going to hand me a piece of paper? >> i will. >> perfect. that's great. and with that, thank y'all so much for being here. fun having you two. i like having opposites because -- opposite party commissioners because i actually think that it's important to show that while per happens you don't agree on everything, you do work together. i don't know that that's true across the board in all agencies but i'm thrilled that it is with you all and thank you so much, both of you, for being here and the great job you are doing and for the help that i know you're going to help us in trying to save money because we all need to do that. >> thank you. >> thank you. >>> c-span's congressional directory is a complete guide to the 112th congress. inside, you'll find each member of