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Star Parker, Draining the Dodd-Frank Swamp

June 16th, 2017 Comments off

StarParkerCUREdrainingDoddFrankSwampFMNT97PostedDailyBusinessNewsMHProNews647Wikipedia says that, “Star Parker is an American syndicated columnist, Republican politician, author, and conservative political activist. In 1995, she founded the Center for Urban Renewal and Education (CURE), originally the Coalition on Urban Renewal and Education. In 2010, she was the unsuccessful Republican nominee for the United States House of Representatives in California’s 37th District.”

The manufactured home industry and its consumers are widely seen as having suffered since the enactment of the so-called Dodd-Frank reforms.  While the Seattle Times and CFED were among those who have defended Dodd-Frank as it is currently being enforced by the Consumer Financial Protection Bureau, the industry’s lenders have all had to pay a price for this well-intended, but nevertheless harmful regulation.

U.S. Bank, several other smaller lenders, UMH Properties and others have been among those who were forced out of the lending arena, not because they weren’t successful.  Rather, they say, it’s because the regulatory risks were too great for the relatively low volume of loans being done. See the interview and article, linked here.

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As one of our sources in Washington, D.C. tells MHProNews, Dodd-Frank isn’t the only problematic issue that faces the industry.  There is also to this point a failure by the Government Sponsored Enterprises (GSEs) to do a meaningful level of chattel or other lending on manufactured homes.

Nevertheless, Dodd-Frank has driven up costs, said Triad Financial Services President, Don Glisson, Jr. While they were able to adapt, consumers and businesses alike suffer from an otherwise depressed level of sales.

Against that backdrop are the thoughts of columnist and conservative pundit, Star Parker.

Parker on the Dodd-Frank “Swamp”

“…The 2,300-page Dodd-Frank Act was passed to fix what supposedly was broken in our financial system that led to the massive financial collapse in 2007,” says Parker, in a new column published on sites like GOPUSA and many others.

The potential economic impact of the sweeping reforms of the Financial CHOICE Act are as far reaching as anything going on in Washington today. But you probably haven’t heard about it.

The press is filled with news about Russia, James Comey, Jeff Sessions. Yet hardly anything about this. Why?”

What Parker doesn’t mention is that there is no evidence for collusion between the Trump campaign and the Russians, as several Democrats and every intelligence service head has stated, on the record.

Instead, she points to an article on the Wall Street Journal, and then says, “Guess Who’s Defending Dodd-Frank? The answer is the nation’s biggest banks.”

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Star Parker, credit, Wikipedia.

She continues, “The full title of the Dodd-Frank law is The Dodd-Frank Wall Street Reform and Consumer Protection Act. The website of the Obama White House explained the law as “Holding Wall Street Accountable.

It attributed the crisis to the major financial institutions in New York,” states Parker.

 

You would think those same institutions, the nation’s largest banks, would be unhappy about all the new regulations that they now have to live with.

But, as the Wall Street Journal points out, these same banks are defending Dodd-Frank and opposing the Republican reforms.

This is really about the “swamp” that this new Republican administration is supposedly now in Washington to drain.

The “swamp” is about Washington business “special interests” working with Washington political “special interests” to make law that makes them both happy.”

Parker points to another expert, and then tosses a thunder-bolt, “As American Enterprise Institute scholar Peter Wallison points out, the Dodd-Frank Act was not produced after a serious investigation about what really caused the crisis. It simply was an opportunity for Democrats to take advantage of the crisis for major expansion of government.

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In news, commentary, and analysis, MHProNews was alone among industry news sources saying weeks before the U.S. Bank closure of their MH Lending program, that low volume sales were a risk factor for the industry, along with the regulatory burdens caused by Dodd-Frank, and other federal, state and local policies.

Given this reality, Wall Street gladly worked with Democrats to build a new regulatory structure that would provide them a nice, new feathered bed.”

She draws to a close saying, “Unfortunately, the small community banks, whose market share is now shrinking because of the Dodd-Frank regulations, have always been a major source of loans to small business. The arteries carrying capital to the grass roots of America have been clogged. According to Wallison, and other economists, this is a major reason why our economy is growing so slowly.

The House has done its work to fix this problem with the Financial CHOICE Act.

Now its [sic] up to the Senate, including the 11 Democrat senators up for re-election in states carried by Donald Trump in 2016, to step up and do the nation’s business and pass these critical reforms.” ##

(Image credits are as shown above, and when provided by third parties, are shown under fair use guidelines.)

SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News, MHProNews.com.

Financial Choice Act, with MHI Bill, Heading to Floor Vote, Outlook, Analysis

June 8th, 2017 Comments off

JebHensarlingGOPFinancialServicesTheHillDailyBusinessNewsMHProNewsThe Financial Choice Act, what some are calling version 2.0, passed out of the House Financial Services Committee in May on a partisan line vote, 34-26.

Financial Choice is back in the news, as the full House takes up the measure.

A Google search on Financial Choice Act 2017 brings up tens of millions of results.  Depending on the media outlet you pick, the news or editorializing paints the bill to be either grand, or a horror, for businesses and consumers.

Partisan Politics, 2017

The Hill reports Maxine Waters, ranking Democrat from CA saying, “The ‘Wrong Choice’ Act is a vehicle for Donald Trump’s agenda to get rid of financial regulation and help out Wall Street. It’s a deeply misguided measure that would bring harm to consumers, investors and our whole economy. The bill is rotten to the core.

By contrast, House Speaker Paul Ryan, (R-WI) said at a press conference Wednesday, “This legislation comes to the rescue of Main Street America.”  Ryan called the bill “the crown jewel” of the GOP deregulatory agenda. “The Financial CHOICE Act makes it possible for small businesses across this country to stop struggling and to start hiring.”

MHI’s Attached Bill to Financial Choice

The Manufactured Housing Institute (MHI) celebrated several weeks ago that their Preserving Access bill was attached to the act, and thus passage of the act would mean passing their bill.

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Lesli Gooch. Credit: MHI.

MHI’s Lesli Gooch’s May 4 email to members said in part, “MHI’s efforts to pass the Preserving Access to Manufactured Housing Act are multi-pronged. The association is seeking opportunities to move the legislation through the regular legislative process and is also seeking opportunities to attach the language to other legislative vehicles that are moving. MHI’s goal is to ensure the needed changes contained in the bill to make financing available for manufactured housing are passed into law as soon as possible. Inclusion of the language in the Financial CHOICE Act is a critical milestone, and an example of MHI’s comprehensive strategy.”

What’s missing from their self-proclaimed “compressive strategy,” as regular Daily Business News readers know was the opportunity to sign onto the PHH vs. CFPB case with an amicus brief.  When MHProNews specifically raised the strategy for an amicus brief with MHI, how could that option have been overlooked?

The “10,000 grassroots contacts” MHI’s Gooch crows about, where is that heading?

The Preserving Access bill (version 4.0 – 2017’s version is dubbed HR 1699), is sponsored by Garland ‘Andy’ Barr, Republican from Kentucky’s 6th Congressional district.  Barr has spoken as a true believer in manufactured homes, and one of his speeches in favor of manufactured homes is covered in a video and article, linked here.

CapitolHillCongressmanAndyBarr-OfficialPhotoBarrWebsite-PostedManufacturedHomeLivingNewsMHLivingNews

Gooch notes in the message to MHI members that: “Preserving Access to Manufactured Housing Act, is bipartisan legislation introduced by Reps. Barr (R-KY), Sinema (D-AZ), Poliquin (R-ME), Sewell (D-AL), Kustoff (R-TN), and Rice (D-NY). The companion bill for the Senate is expected to be introduced soon.”

What is it that their allegedly weaponized messages to members fails to mention, again?

Uh, Oh…

The challenge with the Financial Choice Act – even from the perspective of supporters – remains the same as was previously reported on the Daily Business News about Preserving Access.  The odds of passage of the HR 1699 bill, per GovTrack is 1%, which today cites Skopos Labs as their source for their estimate.

GovTrackPresveringAccessManufacturedHousingActHR1699ManufacturedHousingIndustryDailyBusinessNewsMHProNews

What about the Financial Choice Act’s odds of passage?

GovTrack reports those odds are better, but are still a weak 14% chance of being enacted, again per Skopos Labs.

Hr10FinancialChoiceAct2017ManufacturedHousingIndustryDailyBusinessNewsMHProNews

So while the Financial Choice Act is expected to pass in the House, what are the odds in the Senate?

MHIGotCloutWheresTheBeefMHProNewsThe Collingswood Group, what sources tell us is a DC think tank and lobbying shop, state they expect the Financial Choice Act – and thus MHI’s rider attached to it – to pass the House.  But the bad news is that Collingswood likewise expects the bill to die in the Senate too, just as GovTrack reports.

Will MHI alert their dozens of industry members, getting ready to fly into Washington, DC to hear about all that MHI is doing on this front, about those facts?  Or will they instead send out a “Housing Alert,” once the bill passes the House – touting that “success” as they’ve done previously?

Do MHI members deserve the truth, the whole truth, or are they guilty of what they accused Ohio Governor John Kasich of, telling only half truths, or worse?  Do the principles MHI applied to the governor, apply to themselves?

By-Bye Baby…

While MHI has made their primary focus the passage of Preserving Access,  the $15 million dollars spent over the past 5 years – not counting PAC dollars – certainly went to places like salaries (of which Jennison, Gooch and her predecessor have made about $2.5 million in compensation over the past 5 years, per data MHI filed via form 990).

LanceIndermanManufacturedHousingDailyBusinessNewMHProNews

Lance Inderman, credit, MHProNews.

Industry success and veteran, Lance Inderman, prior chairman of the Texas Manufactured Housing Association (TMHA), told MHProNews that:

It’s my personal opinion that we have incrementally given up every bit of financial freedom we had. Dodd Frank was a big increment, along with ObamaCare. I’m of the opinion that giving up key parts of the reform to get a “win” for posterity makes no sense.”

Inderman elaborated by saying, “We need to keep educating the populace and Congress on the facts that we [in manufactured housing] compete on a different price point, and therefore a different finance scale with their multi million dollar ocean front homes, paid for by their donors.”

Bob Crawford, multiple award winning retailer of historic Dick Moore Housing, told MHProNews that, state associations “do a great job.” But Crawford told MHProNews that he gives MHI at best “a 5 out of 10“ in their effectiveness.

As one source with deep ties to MHI told MHProNews,MHI is acting like a secret society, with only the inner circle fully informed, and most other members trusting them, following in good faith, or unable to effectively protest or even question leadership.”

Award winning industry veteran, L.A . “Tony Kovach asks, “Why does MHI’s tight band at the top allegedly want only their side of the story told to the industry? Why have they threatened MHProNews with legal action for providing documents given to us – in many cases, by their members – or for reporting to the industry on issues such as DTS, Preserving Access, pending DOE energy standards, and others?”

A link to a comparison between MHI and MHARR their self-stated mission and budgets, per their 990s, is found here.

A link to an analysis of Richard “Dick” Jennison and Lesli Gooch’s compensation, is found here.

marty-lavin-jd-manufacturedhomefinanceexpert-DailyBusinessNews-mhpronews

Marty Lavin, JD.

As dozens of MHI members prepare to fly into Washington, D.C. to listen to lectures by MHI staff on all they are doing, consider the words of MHI award winner, Marty Lavin.

Lavin has often said, “follow the money,” and “pay more attention to what people do” …and accomplish… “than to what people say.” ##

Related topics:

 

Judgment Day for CFPB

Source – Manufactured Housing Institute Violated Law, Conflict of Interest?

Faked, Weaponized News Harms Manufactured Housing Homeowners, Professionals?

Richard Jennison, Lesli Gooch, Worth Millions to MHI Industry

Hot New, Different, Regulatory Topic that MHI is Missing a Key Point On (HUD, Pam Danner), linked here.

(Image credits are as shown above, and when they are the property of third parties, are provided under fair use guidelines.)

SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News, on MHProNews.

Is it Judgment Day for the CFPB?

May 24th, 2017 Comments off
IsitJudgmentDayfortheCFPBcreditJournalIE-postedtothedailybusinessnewsmhpronewsmhlivingnews

What is the fate for the CFPB? Credit: Journal IE.

Today is a big day in the history of the Consumer Financial Protection Bureau (CFPB), as it heads to an appeals court in a case brought by PHH Corp.

That case could completely reshape the organization.

As Daily Business News readers are already aware, critics of the CFPB point to leadership structure, data collection and so-called “trophy wins” as issues that need to be addressed. A D.C. Circuit Court ruled that the CFPB was unconstitutional, in the legal action brought by PHH.

The court ruled that the CFPB’s structure was constitutionally flawed and that its director should be removable at the will of the president.

In advance of today’s hearing, the House Financial Services Committee, led by Chairman Jeb Hensarling (R-TX) debated the future of the Financial CHOICE Act during a hearing on April 26th.

Originally introduced by Hensarling in 2016, the CHOICE Act included a proposal to replace the CFPB with a five-member bipartisan commission that would be subject to congressional oversight and appropriations.

jeb_hensarling__financialservice_house_gov__credit__rep_texas

Jeb Hensarling. Credit: House.gov

The Financial CHOICE Act re-establishes this rogue agency as a civil enforcement agency, patterned after the Federal Trade Commission. One that is responsible for actually enforcing the enumerated consumer protection laws written by Congress, instead of making up its own law in an unfair, deceptive, and abusive manner,” said Hensarling.

True consumer protection is only to be had in competitive, transparent and innovative markets which are vigorously policed for fraud and deception. That’s what the Financial CHOICE Act is all about.”

And, both experts and other politicians had their say on the matter at the hearing.

The CFPB is an unaccountable federal agency, as exemplified in the case PHH Corp., et al. v. Consumer Financial Protection Bureau,” said Norbert Michel, senior research fellow, Financial Regulations and Monetary Policy Institute for Economic Freedom and Opportunity at The Heritage Foundation.

CompanyMovesinfortheKillonCFPBcreditFlickrPHHCFPB-postedtothedailybusinessnewsphonewsmhlivingnews

Credits: Flickr, CFPB, PHH.

The PHH incident is a clear-cut case of an unaccountable federal agency flouting the basic principles of the rule of law. Private firms—financial or otherwise—cannot safely operate in such an environment without the expectation of being wrongly persecuted by the government that is supposed to protect all of its citizens from such actions.”

Congress can do even better by consolidating the various consumer financial protection statutes under one existing federal agency, such as the [Federal Trade Commission.]

Another Texas Republican was more to the point.

The CFPB is one of the most unacceptable and unaccountable agencies in the United States,” said Rep. Roger Williams. “This is what Dodd-Frank gave us and that is why it is so important to fix this disastrous law.”

 

A View From the Other Side…

CarsonApprovedbySenateCommitteeProvidesViewonMHcreditSherrodBrownOfficialPhoto-postedtothedailybusinessnewsmhpronewsmhlivingnews

Senator Sherrod Brown. Official photo.

Recent motions filed by U.S. Senator Sherrod Brown (D-Ohio) and U.S. Rep. Maxine Waters (D-Calif.), argued that Congress wanted a single director for the agency, because lawmakers who drafted the Dodd-Frank Act, which established the CFPB,understood that the nation needed a regulator that could respond quickly and effectively to new threats to consumers … and it knew that the CFPB’s effectiveness could be hampered by the delay and gridlock to which commissions are susceptible.”

Sixteen state attorney generals and the District of Columbia also filed a motion, defending the CFPB in its current incarnation.

As the representatives of millions of citizens across the country, the state attorneys general have used their express statutory authority to bring civil actions to enforce consumer financial protection laws and to pursue regulatory actions in coordination with the CFPB to protect consumers against unfair, deceptive and abusive financial practices,” the motion said.

CordrayDefiantSaysTrumpWon’tChangeAgencycreditWikipediaMaxineWaters-postedtothedailybusinessnewsmhpronewsmhlivingnews

Representative Maxine Waters. Credit: Wikipedia

The current ruling, if permitted to stand, will undermine the power of the state attorneys general to effectively protect consumers against abuse in the consumer finance industry.” 

 

Could MHI Have Killed the CFPB? Another Opportunity Missed?

As we reported here, prior to the close of filings, MHProNews asked the Manufactured Housing Institute (MHI) if they would be filing an amicus brief in the closely followed PHH vs. CFPB case.

Several operations and organizations have been among those who filed an amicus brief in the case. Was MHI among those organizations?

MHProNews sources say no, and MHI won’t comment.

Why?

Frank Rolfe.

The folks at MHI – the industry lobby group – are nice people, but what’s with the concept of silence is golden? Negative articles on the industry are met with ‘no comment.’ Positive news opportunities are met with ‘no comment.’ I’ve never seen anything like it,” says Frank Rolfe.

When you refuse to talkit looks to the public like an admission of guilt, and when you refuse to promote your product it looks like you are embarrassed by it.”

Silence, according to Rolfe, isn’t golden.

The appearance, per Rolfe, is that someone – in this case, MHI – is hiding something.

 

The View From the MH Industry

GOPSenatorstoPresidentelectTrumpFireCFPBHeadRichardCordraycreditTwitter-postedtothedailybusinessnewsmhpronewsmhlivingnews

A tweet from Senator Bob Sasse.

While the CFPB had the support of the Obama Administration, the Trump Administration has had the organization in its crosshairs since the election.

Those in the industry have not been shy about their feelings on the matter.

The information on this case also has indirect ramifications for the Manufactured Housing Institute (MHI), and others in the industry, as the Preserving Access bill is being floated, which would modify portions of Dodd-Frank.

For more on what the Preserving Access bill means for the industry, check out the latest article on The Masthead.

 

The Daily Business News will continue to follow the hearing and provide updates.

For more on the CFPB’s impact on the manufactured housing industry, click here. ##

 

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

 

rcwilliams-writer75x75manufacturedhousingindustrymhpronews

RC Williams, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

 

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Is Time Finally up for the CFPB?

April 27th, 2017 Comments off
IsTimeUpForTheCFPBcreditPintrestWhattheFolly-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credits: Pinterest, What the Folly.

Movement by the House Financial Services Committee, led by Chairman Jeb Hensarling (R-TX), could spell the end for the Consumer Financial Protection Bureau as we know it.

According to ACA International, the committee debated the future of the Financial CHOICE Act during a hearing yesterday.

Originally introduced by Hensarling in 2016, the CHOICE Act included a proposal to replace the CFPB with a five-member bipartisan commission that would be subject to congressional oversight and appropriations.

The Financial CHOICE Act re-establishes this rogue agency as a civil enforcement agency, patterned after the Federal Trade Commission. One that is responsible for actually enforcing the enumerated consumer protection laws written by Congress, instead of making up its own law in an unfair, deceptive, and abusive manner,” said Hensarling.

jeb_hensarling__financialservice_house_gov__credit__rep_texas

Jeb Hensarling. Credit: House.gov

True consumer protection is only to be had in competitive, transparent and innovative markets which are vigorously policed for fraud and deception. That’s what the Financial CHOICE Act is all about.”

Recently, Hensarling introduced a 593-page draft of the act, which included a number of revisions. One of them includes changing the name of the CFPB to the Consumer Law Enforcement Agency (CLEA), and a director would lead the agency along with a deputy director, who could be removed at will by the President.

The CLEA would also be required to receive funding through congressional appropriations for the agency.

DecisionsinCFPBAppealcreditHousingwireCFPB-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credits: Housingwire, CFPB.

Under the new provisions, President Trump would have the authority to appoint an Inspector General for the organization no later than 60 days after the law takes effect. The inspector general would be required to testify at semi-annual hearings before the House Financial Services and Senate Banking Committees.

In the summary of the draft bill, the stated intention is to “create hope and opportunity for investors, consumers, and entrepreneurs by ending bailouts and ‘Too Big to Fail,’ holding Washington and Wall Street accountable, eliminating red tape to increase access to capital and credit, and repealing the provisions of the Dodd-Frank Act that make America less prosperous, less stable, and less free, and for other purposes.”

For critics of the CHOICE Act, and the dismantling of the CFPB, they see things differently.

CordrayDefiantSaysTrumpWon’tChangeAgencycreditWikipediaMaxineWaters-postedtothedailybusinessnewsmhpronewsmhlivingnews

Representative Maxine Waters. Credit: Wikipedia

A number of law makers, including Rep. Maxine Waters (D-CA), argue that the act would remove consumer, business and investor financial protections and that the CFPB should not be dismantled and replaced with the CLEA.

Rep. Brad Sherman, (D-CA) says that bills included within the act should be voted on separately, with good reason.

These bills will pass this committee overwhelmingly if we consider them separately,” said Sherman.

As Daily Business News readers are aware, critics of the CFPB point to leadership structure, data collection and so-called “trophy wins” as issues that need to be addressed. A D.C. Circuit Court ruled that the CFPB was unconstitutional, in the case legal action brought by PHH.

The court ruled that the CFPB’s structure was constitutionally flawed and that its director should be removable at the will of the president.

CompanyMovesinfortheKillonCFPBcreditFlickrPHHCFPB-postedtothedailybusinessnewsphonewsmhlivingnews

Credits: Flickr, CFPB, PHH.

The CFPB is an unaccountable federal agency, as exemplified in the case PHH Corp., et al. v. Consumer Financial Protection Bureau,” said Norbert Michel, senior research fellow, Financial Regulations and Monetary Policy Institute for Economic Freedom and Opportunity at The Heritage Foundation.

The PHH incident is a clear-cut case of an unaccountable federal agency flouting the basic principles of the rule of law. Private firms—financial or otherwise—cannot safely operate in such an environment without the expectation of being wrongly persecuted by the government that is supposed to protect all of its citizens from such actions.”

Congress can do even better by consolidating the various consumer financial protection statutes under one existing federal agency, such as the [Federal Trade Commission.]”

Another Texas Republican cut straight to the point.

The CFPB is one of the most unacceptable and unaccountable agencies in the United States,” said Rep. Roger Williams. “This is what Dodd-Frank gave us and that is why it is so important to fix this disastrous law.”

According to Bloomberg, a markup for the legislation is reportedly scheduled for May 2.

 

The View From the MH Industry

IDontThinkThereWasEverMuchHighCostLendingInTheManufacturedHousingMarket-stillcreditCSPAN2--RichardCordrayCFPBdirector-Posted-MHLivingNews-com-

Still from an Inside MH video, reflecting how Richard Cordray himself said that there was never much high cost lending in the manufactured housing industry market.

While the CFPB had the support of the Obama Administration, the Trump Administration has had the organization in its crosshairs since the election.

Those in the industry have not been shy about their feelings on the matter.

The information on this case also has indirect ramifications for the Manufactured Housing Institute (MHI), and others in the industry, as the Preserving Access bill is being floated, which would modify portions of Dodd-Frank.

For more on what the Preserving Access bill means for the industry, check out the latest article on The Masthead.

For more on the CFPB’s impact on the manufactured housing industry, click here. ##

 

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

 

rcwilliams-writer75x75manufacturedhousingindustrymhpronews

RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews

Dodd-Frank Continues to be Batted About

June 28th, 2016 Comments off

house_____financialservices_dot_house_dot_gov__creditA group of eminent economic scholars, Nobel Prize winners and former senior economic policy officials all signed on to the Financial CHOICE Act, designed to reform Dodd-Frank, and released the following statement: “We support the reform principles that underlie the proposed Financial CHOICE Act which promote higher economic growth without bailouts, reduced risks of crises, and simplification of the regulatory process by emphasizing market mechanisms operating through the rule of law.”

The act would shed some of the complex, costly and loan-impeding regulations from banks, which would allow them more capital to work with and provide stability, as fsc.gop.press tells MHProNews.

Meanwhile, Rep. Jeb Hensarling (R-TX), Chairman of the House Financial Services Committee, speaking at the Heritage Foundation’s “The Case Against Dodd-Frank,” about the shortcomings of the consumer protection act, said: “Ladies and gentlemen, it’s time to make free enterprise legal again in America. It’s time for a new paradigm in banking, capital markets and financial opportunity. It’s time to offer all Americans opportunities to raise their standards of living and achieve financial independence,” he said. “In a phrase, we need economic growth for all and bank bailouts for none. This is the foundation of the alternative Republicans will offer the American people.” ##

(Image credit:financialservices.house.gov)

matthew-silver-daily-business-news-mhpronews-comArticle submitted by Matthew J Silver to Daily Business News-MHProNews.