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[inaudible conversations] this subcommittee on commerce, trade and consumer protection will now come to order. the purpose of today s hearing is to hear witnesses on the subject of the proposed consumer financial protection agencies agency in preparation for the consumers and the ftc, and i certainly want to welcome all of the witnesses, mr. bayh and chairman leibowitz and the chair recognizes himself for five minutes for the purposes of opening statements. i would like to thank all of my colleagues and all of the witnesses who diligently worked to prepared testimony over the fourth of july holiday, so that today s hearing would be as meaningful as possible. as we commence our examination of the administration s proposal to create a new financial a new consumer national protection agency. my view on the matter is fairly straightforward. i believe that the ftc should remain intact as it is currently constituted and that this committee and subcommittee should contin