Transcripts For CSPAN Washington Journal 20160609 : comparem

hillary clinton receiving enough delegates. many are encouraging senator sanders to get out of the race. in the first 45 minutes this morning we want to hear supporters of bernie sanders. we want to find out from you with the impact of bernie sanders campaign has been on the campaign 2016. you can let your thoughts be known on our phone line. you can give your thoughts on .ur social media the financial timethis morning takes a look at the issue of senator sanders campaign. host: your thoughts this morning on the sanders campaign. from bernie sanders supporters only, the impact you think he has had on the campaign. the senator is set to meet at the white house today for a meeting with the president to try to get a sense of what the isting is about, joining us the white house correspondent for bloomberg. host: as far as his meeting is concerned, what is the goal of president obama and bernie sanders? is theyhe official line are having a meeting. i don't think it's too much of a stretch to figure out what that meeting will be about. the president, as the departing president is his responsibility in ensuring that a democrat is elected to succeed him. to do that, he says the party needs to be unified. unification of the party and how to get there will be the thrust of the meeting today with bernie sanders. the president has not yet endorsed hillary clinton and he has held off even after she clinched the nomination on tuesday. did not appear with her in new york, but he wants to do the endorsement same. senator sanders will go into the meeting with of his own. you talked earlier about his orders. those are important people to the clinton campaign. orator sanders helped us up down the enthusiasm of all of those people who have turned out to vote for him. part of the conversation will be about how to keep that momentum going in the direction that the democratic party with like to see it go for hillary clinton. more of a hardball discussion or softball? what is the tone of the nature of the discussion? host: i wish i could answer that question definitively. we hope that senator sanders will talk to reporters afterwards. there is no official coverage, it is a closed rest event -- a closed press event. they are two professionals at what they do. the president has to be somewhat frustrated up this point. he would have liked to have seen the nomination locked up, and republicans. that is not how it has on. anders to remember that is still in the race. -- sanders is not in the race. the democratic primary in the district of columbia is next week. rally today at rfk stadium. he is officially till in the race even if he is out of contention by the numbers. president obama will want to seal up the nomination or clinton. host: have others in the administration been talking to direct -- senator sanders about what happens? host: the administration has been tightlipped. we do know that senator sanders also has a meeting with harry reid. that meeting will be on capital hill. we will hear some of the details of that. there's no secret about where harry reid stands on that issue. is a line in one of the papers this morning talking about the president and hillary clinton. do think that line is right? are like minded politically. she served in his administration. they worked closely together. they came to that relationship of being rivals. they have been in a situation that clinton and sanders are now in. the president and secretary clinton at this point seem to have a good professional relationship. thank you for your time this morning. rally at 7:00,e you can see that today -- here it on radio and watch it on c-span.org. bernie sanders speaking and washington, d.c.. he is still campaigning. what you think the influence has been. only four senators center .upporters this morning .tockton, california denny, what do you think the influence has been? has been enormous. i supported bernie sanders when he first announced his candidacy. i think that he should have been the nominee. i think that he would defeat donald trump. i don't think hillary camp. she has to much baggage. she will probably be in court more than she will be on the podium. i think that bernie sanders got the shaft because of the powers that be. host: were you surprised that hillary clinton won california? caller: i was disappointed. i thought bernie had put enough but when you are up against the powers that be, you can't win. , they are inill mediaith the media, the made an announcement that she had clinched the nomination even before she had. the powers that be defeated bernie sanders. i applaud him for being --. steve, charlotte, north carolina. good morning. caller: i agree with the last caller. it has been a lot of pressure. it's obvious with that someone without big-money backers can make changes. the dnctons have turned into the m a craddick national clinton club and i can't afford it. host: do you want to see bernie sanders get out, or go to the convention? says, heike bernie can't snap his fingers and switch it over. probably writing her in or looking at joe stein. i have a hard time with hillary's policies, and the fact that you start looking at the e-mails and she was doing things behind everyone's back. i'm pretty sure her e-mails will be released for the november election. are you a supporter bernie sanders? caller: yes i am. i voted for him in georgia. host: what do you think his influence has been on the campaign? he looked like he was trying to bring a revolutionary change in the government. i think we need that. host: what do you mean about revolutionary change, what did he say's it's ethically about that quest -- specifically about that? , heer: the money influence wants to get that changed. the political power that these people have. he wants to get all of that changed. i just know we need a revolutionary change. now, thereare going is something wrong with it. does get out of this campaign, what does it mean for you? caller: i will have to go ahead and support hillary. what other choice do i have? bernie sanders supporters only this morning. talking about the impact he has had on the campaign. he spoke about what he has seen in the monsey had been campaigning area --. he failed to secure enough votes to get the nomination. it is all of us together. it is more than just learning. bernie.just it is what this movement is about. it is millions of people from coast to coast standing up and thatng around and knowing we can do much, much, better as a nation. that whether wall street likes it, whether corporate america wealthy, whether campaign contributors like it, whether the corporate media likes it. we, together, we know what our job is, and that is to bring the american people together to create a government that works for us, not for washington. host: stacy, california. caller: good morning. say that i think the democratic party really missed an opportunity here to reaffirm what they stand for. i think it's really sad. i feel bad for the american people, because they are low information voters. hillary clinton is a crook. she gave the mining rights to her brother. donald trump will tear her up. i feel sorry for the democratic hardy. -- democratic party. elizabeth moran, please do not run with hillary. america needs you, don't sully your name with her. the new york times talks about the sanders campaign. new york, joann. caller: good morning. influencernie sanders - he is wonderful. immigrants, sof he is sympathetic with immigrants. his economic message with the call people, along for his .or free education we have to thank cam. bestve to hope for the that donald trump is defeated. host: if you does formally get out of the race will use of artillery clinton? guest: no. earth we't save the will not save ourselves. host: greenbelt, maryland. john, hello. the impact of bernie sanders, the experience of , he is a rallying point that we can get behind. what specifically through you to bernie sanders? had aboutsations he the system of economic status quo we have had for the last 30 or 40 years. the fact that profits are more important to -- then people. that we can consider getting rid of environmental standards. as far as electability for hillary clinton, if she is interested in getting the burner sanders -- bernie sanders they ares, independent. the democratic party is potentially losing out on those folks. do you think hillary clinton changed as far as her up roads or the positions because of bernie sanders? caller: i do think she is intelligent. when bernie sanders got the support he received, i think it made the pundits reassess their position. the real issue isn't republicans versus democrats, it's corporations versus labor. that is hillary clinton on your screen from earlier this week. talking about how she was hoping for support, saying that mrs. clinton has this up order of 83% of democrats according to a survey. the good news is that the members of each party are likely to return to their corners come election day. seattle, washington you are up next. i agree with everything people have said. the worried about transpacific -- transpacific , which is supported by obama. it will be a disaster for the environment as well as the middle class. people say, why does obama support something like that? speaker fees. the clintons go up to these corporations and get paid back for what they put in the legislation to make these corporations rich. there is something le 600 corporations involved in this trade deal. and if obama, after he leaves office, he will go to each of these and say he makes an average of $200,000 or one hour speech. , why areh those things you a bernie sanders supporter? caller: he supports the middle class. he is the only one. clinton doesn't support the middle class. clinton and obama sold out. like i say, it her search speaker fees. brokelinton was almost because of his legal fees. now, they are worth billions of dollars. host: there are stories in the papers about unity in the already, trying to bring the party together. do you think there will be unity within the party? i am not voting for her. i will go -- i will not vote for trump either. i will write bernie sanders name in. i do believe the clintons are crooks. , one jerry in new jersey of the states that had primaries this past week. caller: good morning. i am very upset that bernie did not win. new jersey or california. media put out that she won the election stopped people from voting. i am upset with the media. i think they are trying very hard to influences race and it bothers me a lot. host: statistics this morning say among people in new jersey, 63% supported hillary clinton. caller: i voted for bernie. ?.s. the question why i think bernie is honest. long, an fighting for so i believe in him. she is going to jail. i don't think she will begin the nomination in november. i think she will be taken out. until theld stay in convention. i would like to see that area day, what election happens for you as far as your growth? caller: i will vote for donald trump. i do not want a politician. bernie sanders might be a politician, that he is nothing like what is in now. hillary clinton is a crook. everybody knows it. the media knows it, everybody knows it. thank you. these among the party, the washington post writes this. obama and political director as well as war three have been communication with both camps to lay the foundation for an eventual coming together. how sanders approaches this is anxiety. bernie sanders supporters in this first 45 minutes. the plans for election day if hillary clinton finalizes the nomination. according to what you just read is there anything bernie sanders could say to get you to vote for hillary clinton? it's not just democrats talking if donaldie sanders, trump as well. >> to all of those bernie sanders voters, who have been left out in the cold by a system of super delegates, we welcome you with open arms. [applause] terrible trade deals that bernie was so vehemently against then he is right on that will be taken care of far better than anyone ever thought possible. that's what i do. host: dorothy, portland, oregon. yes, i am a bernie sanders supporter. i am a woman of color. not thinkingor are this election through. hillary represents the same old same old. the democratic party has become a party for the middle class. bernie wants to bring all of us in. and hillary and the other democrats have never had the heart a that. the justice system has become unjust just for black people, it has been that way all along, and she has been in politics all along. she never had the courage to stand up to what is right. when bernie comes along and he includes everybody. he stands up for what is right. he listens to people no matter where they are. superdelegates was the last draw for me. i will not full of her hillary. i will write ernie in. -- bernie sanders in. people who lose elections always --sk act -- butprimary rules are weird you cannot keep complaining about the role of superdelegates when the winner is the person who got eckstein .2 million votes. i've been a democrat all of my life. bernie.ing to vote for i see that it is slim to none that he will make it in there. i will still be hopeful that he doesn't drop out. but if he does, i will donald trump,for i guess. shame, because there is no way i would vote for hillary. because you have hillary and you have bill. you will have four more years of will and hillary. two evils. host: you don't think hillary clinton would make her own decisions on matters for the u.s.? caller: i don't know? of you are you married? do you make your own decisions? that was it always for you if it wasn't going to be bernie sanders, it will not be hillary clinton? caller: i didn't want hillary because of bill. think about it. infidelity in the the white house and stuff like that that he did. .hat got covered up he did get no time for that. that's not right. a president of the united states shouldn't be doing things like that. hillary is blowing in dirty, with all of these phone messages that she will share with anybody. she is going in dirty. you have a crook starting. they'll is right there behind her to tell her what to do and how to do it. because the man usually makes the last decision. host: let's hear from pamela, brandon, florida. bernie sanders supporter. good morning. caller: good morning. just want to say i am a bernie supporter. the question is that, somehow this will be terrible if trump gets in office. we don't know that. bill clinton pretty much sold them black people out. we allowed her to sell us a bill .f goods it will be devastating for black communities. i would prefer to not have it happen. if she was smart and was able to humble herself, she would put the man who won almost half of the stay on for vice resident. be helde she would straight to all of these progressive things that she stood for. say: aside from that, bernie sanders drops out of the campaign and he makes a plea for his supporters to support hillary clinton. caller: i don't think he can do it. i think he is an honest person. we all know that without him there, she would have half of the -- she has now. he is probably the only person that can hold her straight. without him there there is no chance. .he will have a hard time even though she believes in trade policy unlike donald trump good we know he is a racist, we also know that his policies are more in line with help and the middle class, not saying he would do it. host: another higher for the trump campaign. focusing on the home state of new york. traction survey trumps . eureka, california, sharon. i am a very die hard supporter of bernie sanders. will never vote for the criminal, hillary clinton. i made the mistake twice in voting for her criminal husband. they both belong in prison. the only reason she stole this election from the very beginning from arizona to new york. something is wrong. state.nia is a bernie ,he county a live event humboldt county, 99% of the votes went to bernie. how she took the stay, i don't know. she needs to be in jail. according to the e-mail things, she will be indicted. she should not be running for president. i will never ever for for clinton, and i will not vote for trump. --e main bernie sanders is the only one who is honest. he cares about people who don't have the money. he is the only one who can do something about this country before we get totally taken over by mexico. host: in california, 56% of those who voted went for hillary clinton and 43% for bernie sanders. those were the official breakdown numbers. worked the polls on tuesday. of one polling place -- inspector,-- the they didn't show up. nobody knew what to do. that's another story. everybody that came in to vote had to use a provisional ballot, which takes twice as long. which means a lot of people walked away and did not vote. those lawyers in california that have proven that the races in california were rigged against bernie sanders for clinton are in the process of proving it. let's hear from ad, silver spring, maryland. caller: i am definitely for bernie sanders. i made up a statement that i in front ofhand out the convention to encourage people -- encourage these superdelegates to switch to him. if he doesn't make it, which you probably will not, i know that he will continue. and willmillion people continue to leave them and it will be best if we don't get donald trump in. if he can get these millions of in terms ofand up the democrats. host: are you going to be a delegate in philadelphia? caller: no, i won't be able to get in. i want to go with a couple of frames of paper and hopefully it these into the hands of people who either will hand them out -- maybe i will see some of them as they come in . one of the things that we have berniek about is that sanders was a nice guy. he never brought up any of these real or imagined things against hillary clinton. heridn't bring up gate, firens, travel gate.- file thatepublicans will not be accommodating. he doesn't need speechwriters to blast her. to makenot be hesitant up issues. the lead story in the washington post this morning releasees fromhe gone time obey -- one time obey. administrationa says, they have launched attack -- allied forces in afghanistan killing half a dozen americans reported to officials. in march, a senior pentagon official made an omission to lawmakers that former guantanamo inmates responsible for deaths overseas or in --. the administration has declined to elaborate rate because of the intelligence behind it. jenny.diana, here's caller: good morning. i agree with the first article that you read this morning. every word of that was so well written. i have supported bernie sanders and i voted for him in the .inary -- primary i think he would be best served as a senator. he has done a lot of good by bringing up all of the issues. i also agree with the former caller from georgia. bottom line phone blue, no matter who. host: you will support hillary clinton? caller: yes. i find it very disconcerting and troubling, all of these colors comments about her being a crook or a chi is not accrue. -- she is not a crook. if it's not bernie sanders, some say they will write in someone else. how do you respond to that? and other people who supported bernie sanders? caller: i unfortunately, live nsc of red. -- in a sea of red. item understand why you would go from bernie to donald trump. that baffles me. they are not the same. is a strange character. not responsible. he doesn't know what he is doing in this area. say, he's aand great businessman. i don't agree at all. host: when you get closer to november and people go out and do you think they will come around and support hillary clinton? caller: the first step is this morning with the president. liked that article said, that's what bernie needs to do. he needs to rally his people. i would like to tell everyone out there that bernie sanders has brought up all these issues and it will take time to radicalt any of these issues. it will be good for the american people. i beg everyone to vote democratic. vote for donald trump, that would be horrible for the nation. is this you think there unity within the party, especially if senators standers decides to's that down? -- decides to step down? i've been a liberal my whole life. do you believe that clinton can carry on with those principles and ideas that senator sanders supported? she will have to, if you look at how many people are supporting bernie sanders. there are a lot of american people who believe in ideas he has wrought up. -- he has brought up. host: emmanuel in baltimore, maryland. we are inviting only bernie sanders supporters. caller: good morning. about howe to talk there are a lot of us conservative democrats who were really for bernie, even though it seems counterintuitive. i think that is because a lot of genuineness, and bernie sanders came across as that. wonder going off of that genuineness, there is not much as far as in the public eye about hillary that we see as genuine. i don't know what we will do. a jim webb supporter, and now i am a bernie sanders order .o i cannot vote for hillary and i will not vote for donald trump. the man is off of his rocker. i just really wonder what will happen with us, big block of conservative democrats. host: would you consider a third party or not vote at all? , definitely.l vote i'm looking at the third parties . i don't really see too much of a -- an alignment with the working-class. maybe green, who knows. baltimore. from i am a bernie sanders supporter. it doesn't look like he will be the nominee for the party or it does. i like to keep my eye on the big picture. lastnt to sway the country .- less it's bigger than hillary clinton. we have other members of congress to elect. we can swing the senate and possibly even the house more to the left. i am all for capitalism. using a baseball analogy, i can practice and hone my skills and maybe take a swing and hit a glass -- grand slam. i don't believe after that i -- i shouldle to get what i earned. that's addressing incoming quality. usote for hillary will move more towards income in equality. bernie sanders holding a rally here in washington dc. find more information on our website, c-span.org. you can also listen to it on c-span radio. at 7:00 this evening, senator bernie sanders from the with a rally in one more call on this subject. marietta, georgia. you are the last call. caller: good morning. i did vote for bernie sanders in the primary because i believe that he is honest. his candidacy really was a way of trying to change the democratic party. i -- in no way could i vote for hillary clinton. her would be like people talk about the platform, him having a say in the form. always, theyve might run on a platform, but when they get into office they didn't always preside over that platform. i am going to vote for donald trump. donald trump is not a racist. i see him as a change. but if we keep doing the same thing, then we are going to get the same job. it's stupid to keep doing the same ring and think it will be a different result. stopping afraid. host: the viewer mentioned the platform, they started platform hearings for the lead up to the convention. you can find that information also wants c-span.org. we have two representatives to talk about issues. emanuel cleaver democratic , and later republican loop messer. -- luke messer. all that as washington journal continues after this. here are some programs coming up this weekend. this saturday and sunday at ,1:00 eastern, book tv is live one of the midwest free live outdoor festivals. frank,y features thomas author of listen, liberal or whatever happened to the party of the people? --"trill" from triple . -- jeremy mccarter offer author of hamilton. elizabeth hinton, from the war on poverty to the war on run. bradley byrne server with russell kirk, american conservative. oklahoma congressman tom cole talks about his personal library and his reading habits. "asfy night at 9:00 on terwords" fiercely facing and life with our rope boxer. senator boxer is interviewed by minnesota senator amy close shop. i said, that's all well and good. but if we walk back down the stairs now, there are a bank of cameras down there in the we are going to tell them that we do are not able to see anybody. roomys ok, go in the side and george mitchell will meet with you. we told him, -- go to book tv.org for the complete host: schedule. washington journal continues. good morning. the consumer financial protection bureau released rules taking a look at the topic of payday lenders. what is the payday lender and its influence on the community? guest: it's not a new phenomenon. it goes back to maybe a 10 times. individual who is struggling can loan a lender and get a even if their credit is poor. , they will pay back in some interest is 400% interest. the reason they can do that is alluse the borrower in likelihood cannot get along anyplace else. he will not be able to walk into a bank and get a loan. -- inor she ends up going my estimation, criminal to get a loan. these lending places, are stretched out all over the country. they are predominantly located in low income areas. neighborhoods where african-americans and latinos live. they are at the lower rung economically, and exploited even more. host: what is the interest on a payday loan versus a loan from a traditional bank or another institution? for the past four or five years, we have a mouse had no interest on anything. you can go to a bank and get a personal loan and paid 4%. 200%y lending you'll pay to 400%. times orr it's in good if the economy is running on all cylinders. they are in existence. of taking purpose advantage of people who cannot get credit for any other -- at any other place. we had director cordray this past week conducting a hearing on that subject in our auditorium. people came in and gave stories about what was going on and had happened to them area. we have more payday lenders them we have starbucks in the country. if you can go into payday lending, you can make a lot of money, if you can do what they do and still sleep at night. senator cordray was the leader to try to change his rules. limit theave the of ability that multiple loans you have to get written notice bank accountg your debited. one thing it doesn't do is regulate the interest rate. what do you think about these proposals and are these tough enough, change things? guest: i said down with the director in kansas city just before he conducted the town hall meeting. we discussed these issues. i think they could be better and tougher. tois trying desperately provide people with an opportunity to get loans without becoming addicted. studies have shown is that individuals who get along in all likelihood will get four more loans during the course of that year. you almost get a loan to pay off a long, then you continue to accrue larger and larger interest rates. i think that the new rules could .e a lot tougher i understand what he is trying to do. he is trying to walk between the raindrops. he wants to deal with the reality that there are some , a teacher for example in california, came to our hearing a few years ago and said, i don't have anyplace else to get a loan. place.this kind of a if we are going to keep payday lending institutions, and we have to regulate them to the degree that can we reduce the pain that host: consumer is receiving. questionst to ask our -- our guest questions, if you have had experience with payday lending, we want to give your experience as well. an op-ed in the washington times, taking a look at the new rules. he said in trying to protect consumers- what about that idea of not getting asked us to payday lending is cut off to them? guest: i agree with my whoeague, there are people need loans legitimately. they are people who would have difficulty otherwise getting a loan. we have to find a middle ground. i think that's what the director is trying to do. i don't want to shut down the payday loan industry overnight. first of all, we need to put an incentive so that lending institutions like banks, credit unions can also provide payday loans. some are trying to get into that offering products that might be substitutes. but it's difficult when you're aaling with someone who has low credit score. with a 96 credit score still deserves an opportunity to survive financially and should be able to get alone someplace. very difficult line to walk. congressman hastings and i had a discussion about this area florida,sserman from shares the issue of me. we have to deal with this issue. this will not be voted on by congress, they will have about 90 days that they will have to send over to the consumer financial protection bureau, their comments and their view of the proposed rules. i intend to do that as well. host: we have viewers lined up, this one atlantic, florida. john europe first. caller: good morning. we appreciate everything that you are doing. the reality is, and i am a school teacher also. the school -- the reality is, we go in and borrow $500 and two weeks we at the payback $575. which wasn't really a bad deal. but we do need to have other ways because of people with poor credit, other avenues to get credit like you said. i agree with that. when of the things we also need to look at is a credit rating agencies. maybe we need to do some kind of of tweaking of those agencies and the system of reporting. after twomean, maybe credit, axemplary credit rating agencies can no longer put you in a category that makes it impossible for you to get alone elsewhere. it's a tough job when you're dealing with financial institutions. you want them to be able to service poor people, but you don't want to hurt them either. we need a healthy financial institutions. host: columbia, south carolina, larry. go ahead. caller: yes. i just have been here what his answer was about not trying to get rid of it. i deal with a company called ace. -- you can only get one loan for time, you can't have multiple loans. ace has come up with an idea that you have to pay it back, .hey will get you out of it they put it on a three-month payout plan. you can't go back in and play it all at one time. that.deas like can't go to a bank or credit union to get money, finding some other ways to do that. you could lower the interest rate a little. host: guest: thank you very much. i agree with much of what you said. i don't know what the constitutionality would be on interest rates, i'm not an attorney. i'm not sure that we can dictate the interest rates. the fed controls the interest rates. the bottomaling with of the interest rates, they are saying that for best customers interest rates would be three or 4%. we are thai, 200 to 400% interest rates if we could legitimately force payday lenders to drop the interest rates, i think we would have already done it. it is something i will examine when i get back to my office today. that's an interesting issue. host: one of the things highlighted in the report is that states regulate interest rates. if it is a state issue, and i know the state of missouri has been deeply involved. the truth is missouri has one of the highest payday lending industry's in the 19 to go stay surround it -- states around it. we are not doing a very good job in missouri or anywhere else. it will depend on the philosophy of the general assembly in those states. some are progressive and some are not. to have a more in-depth understanding of the interest rates and what we cannot and can do. i'd knowledge i have no idea what we can do. host: james, hampstead, maryland. the four and the -- the poor and the black people, this gentleman committed a crime at , he has bad credit, he cannot get a job. , the bank got a job [indiscernible] why should you be condemned for agencycause some credit -- [indiscernible] the? --t the banks meet need? i have a job, why can i walk into my bank and get alone for thousand dollars. guest: i think i understand what having aaying about difficult background impacting your ability to get decent credit. i think we do force the big tanks to do is because in many instances they abandon the areas .here the poorest people live we have a community reinvestment act which requires that they spend money as a result of a banding -- communities. all banks have to use that money annually. but it doesn't address the problems if those banks are not going to make the loans. that it is far too difficult and far too costly for them to even process alone for chase.ay wells fargo or they believe that dealing with a can do it is set up a system or division of their bank that simply deals with payday lending. and even then, i don't think they are going to have interest that they could provide for their regular customers. i don't think we can underestimate the need to have some kind of refinement of the way in which the credit rating agency work. example, six months before the economic collapse, in our ,eauty -- committee hearing accrediting agencies told us that everything was fine in the country. solid,tions were financial institutions were great. six months later we are almost a true depression. i don't think we have dealt with them as sufficiently as we should. credit rating agencies essentially determine how people live. that's one of the most powerful institutions in the country that people don't even know about. it's high time that they receive a little more regulation. they receive money from the same corporations that they report on. so that is a weird situation that demands attention. host: is there a role for community banks, credit unions to fill the need for the short dollar loans? guest: yes. need committee, we community banks and credit unions. to some degree, they are addressing the issue. you can go to a credit union and get a much smaller loan then you could at a major bank. one of the problems is unintentionally in our rush to get something done in the aftermath of the 2008 economic collapse, we unintentionally included community banks, the negative part of that is they didn't cause any of the problems and number two now they have all of these regulations they have to respond to, and they don't have the kind of fast that's that the major assets would have like the bank of america. they are extending far more resources per capita than any other big bank in america. they have nothing to do the problem. they are trying to make loans to people in the community. host: our guest, emanuel cleaver, talk about the role of payday lenders in the community. caller: good morning. by -- inspired by a segment on c-span, called how the other half thinks? she brought up the subject of reinstating the postal banding something --ght be address some of the issue. she maintains that there payday wasing is a problem that created by the banks. it was a boy that is left, that the banks created themselves. she's right. am not familiar with the book but she is right. if you go to any of the major cities in the country, all you have to do to find out how true the low incomeo communities. when you get into the low income communities, you will have difficulty finding a bank. certainly one of the big banks. in some instances, you may find , a smaller bank regional bank or something like that. we are aware of them. that's why we came up with the community reinvestment act. into redevelopment and so forth. that if we can figure out a way or if the banks can figure out a way where they can make money, and at the same time provide a service, i think they will do it. think wet day comes, i will have to be very tough on this industry. andlso have to be top tender at the same time. we have to be careful that we don't hurt the consumer to the degree that he or she can't get a loan. -- can get alone. climate in which to do that. the idea ofbout letting the postal service handle some of these things? has been some discussion about that, because , some haveservice been scaled back or closed. i think that might be an opportunity for us to look closer. people must keep in mind, contrary to what they believe, the postal service is not operated by the federal government. i know people say it's the u.s. post office. that's accurate. but the government does not operate the post office. let's go to fort lauderdale, florida on the end of an outline. guest: caller: it's not the main point i called about, but you mentioned the postal banking. the representative mentioned the problem with postal banking is the republicans are trying to block the post office. it might be an effort in futility. my main point is this, i am in debbie wasserman's district. i think she's a fantastic representative. she is wrong on payday lenders. i come from a banking background. you had a caller earlier that said he is happy with the fact that he got $500 for two weeks and it cost him $75. for a second figure what that interest would be. month -- 15% for two weeks, 30% a month, 360% for year on that very that's usery. but it shows you the poor people or being taken advantage of. only having topy pay for $75. debbie wasserman is wrong for supporting payday loans. these guys need to be put under observation. these fees need to be regulated. guest: the consumer protection bureau is doing just that. that's the reason that director is traveling around the country, listening to people, getting information like you just divided. it's so you can make some changes. hopefully some very important changes that will prevent a lot of people from being hurt. --id listen to the collar collar. $75 is a lot of my, and is it extremely costly on a $500 loan. but the problem we have is that probablyr, and thousands of other people who for is exorbitant, but i have no other alternatives if i need $500. that's a problem. you have to design something that doesn't hurt people who really needed to function, but at the same time restricting and regulating these agencies so locate for the soul of vantage of taking advantage of people. host: republicans are trying to , they revealed a blueprint for that. what do you think about this proposal, as far as keeping it or taking it away from mr. cordray's observation to a panel? guest: i was there from day one. chair.frank was the we met almost every day dealing with these horrible issues and consequences of allowing banks to operate without much regulatory supervision. place.things in the consumer financial protection bureau it in place consumersason that were being ignored. it was the profit motive above and beyond everything else. people were opening up mortgage companies and making loans to anybody, if your application said you don't have enough income, they said we will fix it so you can get it. we created these agencies. one of the provisions that we decided to attach to the agency was that congress would have no ability to stop them from dealing with difficult issues and delving into areas that many thatrs of congress received contributions would not want to touch. essentiallyded through -- and congress cannot cut the money, or increase it for that matter. probably the most independent agency in the federal government. consumers who are watching the show must understand that you wanted independent body. you don't like your consumer protection to be based on politics, who is in power, and who is getting money from the financial service industry. you want them to be able to make decisions and not worry about congressional override. that's why we have that situation. i hope we do not put a panel they can because influenced and this town. this is a town where influence -- costly. people pay millions of dollars to people to influence regulations. that's one of the reason for the economic flops. act: the financial choice that republicans are trying to pass, the changes to. frank. guest. cleaver is our he was a kansas city mayor and also served on the city council for kansas city. new york, europe next. caller: yes, when i lived in took one of those payday loans. it was really a godsend. , had a car that needed repairs if i didn't get that car repaired, i couldn't get to work. similar to the earlier collar, i paid maybe $75 fee for that two or three week low. i was grateful to get it. things said be some here about the responsibility of the consumer. toving into those issues as the responsibility of a consumer to say i can afford $75, but i can't afford to not fix my car for three months. that mr.ised to know cleaver you're not aware that there are usery rates in states across the country. as to the consumer protection agency, i think it needs to be disbanded altogether. why do you think it should be disbanded? caller: i don't think we need it. we don't need the federal to protect consumers. consumers can protect themselves. thea spyer's to your -- the response to your statement can be found from 2008, when we had an economic collapse and this country that almost sent the entire world into a depression. certain communities have to be -- were targeted. as every consumer as -- is sophisticated as john. anybody can read from mortgage companies and banks who said they intentionally targeted poor communities for these toxic mortgages, and communities of color. it is not a cleaver statement. it is a fact. reality, weg that believe that consumers do protection need some from the big companies. you're talking about companies that have more people in their law department than live in a lot of small town. who is not sophisticated will have difficulty. host: our guest is emanuel cleaver. talking about the issue of payday lending and other topics. rockaway, new jersey an independent line. good morning. they give her calling. if you have a low credit score, you probably shouldn't be getting alone, because that's the right of the credit score. tothese banks are lending people with low credit scores, to be ahim at risk victim of predatory lending practices. throwing bricks that a drowning man. that these payday lenders are for the most part, pretty predatory and not so much trying to help someone out until they get their next agent -- paycheck, and probably shouldn't be lending to you. low credit score. i probably wouldn't pick repaid them. host: philadelphia, pennsylvania. i understand what the prior caller -- to prior colors mentioned about consumer responsibility. itself banking industry and payday lenders themselves do prey on people with means and good histories. they prey on the people -- the poor people. this law or bill that they are proposing has everything in it but the number one thing that i feel should be in it would be interest rate caps. 400%, and00% or there's no way any bank, pay day loan or real bank should be charging that type of money. personal responsibility is one wing, preying on the poor because they don't have money from week to week another. thank you very much. guest: thank you for your comment. difficulty in walking down the middle to allow people to borrow money from institutions such as payday loans is a difficult undertaking. i think that's why the director is taking a lot of time getting as much information as possible. as i said earlier, if states are s,gulating the interest rate the federal government is likely not going to trespass. it is something that i will have to find about on the issue. city, ohio, richard. on the end of an line. back when al jazeera was still lying, there was a program called on target. he did it on this particular topic. the republican members, all 12 of them sitting on your committee over a. -2015 wrecked in seven hundred $50,000 in campaign contributions from payday loans industries. are the democrats on that committee also getting money from the pay day industry? is aichard cordray neighbor of mine and probably -- the best person in the world. i want you to explain how these people can get money, and why do they have the right to vote? why don't they refuse himself because i have a conflict of interest. they don't work for the people. i agree with you. you have said everything that i have said and believe, that we need an independent consumer protection agency. we need an agency that cannot be impacted by campaign contributions. that's what we have in many instances in the federal government now, where people contributions, and without saying it, without giving any directions to the member, but there are ways in which they can influence based on the campaign contributions. unfortunately, that has happened. with -- we have one agency we have been able to create that is shielded from that kind of stuff. asking about richard cordray, many of those viewers probably say then this, they first word is consumer. there are probably people who don't understand the issue and decided that richard cordray is the devil incarnate. that makes it difficult for him to do the job that he was hired to do. host: several stories taking a look at campaign 2016, especially party unity amongst the democrats. do you think this party will come together come convention time in july? guest: i think they will. by the time we reach philadelphia, the party when it -- the party will be 95% unified. the people from bernie sanders will not make a decision that they are going to vote for bernie sanders and then fell for donald trump. for donald vote trump. ony will, board -- come board. there are tons of policy differences between hillary clinton and donald trump. and bernie sanders and donald trump. all of this sounds we are hearing are the same sounds that , heard almost eight years ago when barack obama won the nomination. i was in hillary clinton's backyard here in washington with about 50 other people, when she announced to us that she was .oing to back out of the race nobody wanted her to back out of the race. said she will support barack obama. i supported her at the time. i believe in loyalty. that about 85% of african-americans supported hillary clinton until the south carolina primary. and then people said, well we don't know senator obama, because of pressure from africans -- african-americans, many switched over. i don't want anybody making a decision on me based on my skin color. her until a few months later. the congress members from new , i think it was hard for people to say we are going to give it up. i remember that night, somebody said no, we are not giving up. thought this is why i support that lady. i am sure that bernie sanders will do something similar. florida, is next. listening, one of the things that he said they were pushing through is if you will borrow more than $500 that you have to check your credit or does. the reason i lost my business in 2008 and i had to go to work for a company at much less, but my bills stay the same. in order to some myself thoroughly, i used a couple of payday lenders. it cap my electric gone and it cap -- on and it kept food on my table. what is the purpose to do a credit running -- rating if you can't get a loan anyway? my home went into foreclosure and i lost most everything i had . my understanding is if you have people whoout taking are struggling, what is the purpose of a credit check when the reality is it is the interest rate that needs to be controlled. i agree with you. strong look at a the interest rate issues. i don't disagree with that at all. on not sure that payday loans are restricted to $500. i think you can get more than $500. more than $500, of course the interest rate will jump by even higher. guest: hello. caller: i wanted to ask you in congressll concerning financial aid to puerto rico. it is coming up this week? how do you feel about it. guest: i am going to support it. caller: do you think it will go through? guest: there is some opposition. it is not a bailout. the bailout deal, which some people are demanding would never even come up for a vote. i think that would be a bad idea. we have a number of puerto in the democratic caucus, most will support the legislation. i just don't think that the republicans would never allow it to come up for a vote. our guest is a member of the financial services committee, emanuel cleaver, democrat from missouri. fromg up next we will hear representative luke messer. washington journal continues. >> on american history tv sees and three, sunday morning we will simulcast washington journal live from 9 a.m. to 10 a.m. with the author of reagan's revolution. at 10:00 on the road to the white house rewind, the 1976 republican national convention at a close race between president gerald ford and ronald reagan for the nomination. see gerald ford's acceptance speech and remarks by ronald reagan area >> on american artifacts, we will visit the national equality monument and washington, d.c. >>. >>she creates a useful, intelligent woman. you can see in this image she is very slender. her skirt is above her ankles, which was quite different at that time. you can see the changing face of fashion at that time. her hands are on her hips and she throws her hand -- hat into politics. over 150ntributed cartoons in support of the women's suffrage campaign saturday evening at 8:00 p.m., when he was above this notion, there were 9 million african-americans. of this 9 million, 20,000 had a college degree. jackson.sor maurice role as an educator. at 10:00 at the approach of the 40th anniversary of the smithsonian national air and space museum in july, real america will showcase a series of films. we will look at the 1966 film, science reporter. examining the problem of feeding astronauts in weightlessness on long-duration missions. funji,--u fund you would essentially have a small farm inns days. you would reduce your own food or regenerate oxygen. washington journal continues. our guest from the sixth district of indiana, senator luke messer, he is the chair of the republican policy committee. talk about the series of events .ou were holding what is the purpose and what his perfect -- different this time around? guest: what paul ryan has tapped into is tapped into the fact that there is a lot of anger in america. what we need to do is channel that into something positive. the speaker calls it a better way. it is a series of proposals based on conservative runcible set apply those principles to policy in 2016. the first an issue that focused on welfare reform and what we continue to lift people out of poverty. from my perspective, what we can do to keep people from falling into poverty. you'll also see a national security launch this week. that will be a progression towards energy, health care. our principals have been relatively timeless. it is a fair criticism of the last four or five years that often there has been so much to oppose with the president that we have become defined by that. that is not a winning way to govern the future of the country. if we disagree with the path we are on we have an obligation to explain and illustrate the path we would go. host: one of the elements would orwork requirements strengthening the work requirements for those getting aid under those programs. is there are implications that there are people that can work that just will not? guest: we have to rethink these poverty programs. we have invested trillions of dollars and the needle on poverty hasn't moved. there are a couple of fundamental principles of trust charity, that we are not discouraging. when someone goes to work, they ought to be better off for going to work. many of these programs, the incentives are structured in a way that you are disincentive to go to work. employers in my district, they will tell you that they are our folks who can time out to the leave.n they need to there are marriage penalties all throughout our federal government. a generation ago folks came --ether and stop the main it marriage penalty in the income tax code. code grants, if you get married you could you lose your pilgrim. pe --ll grant. be discouraging that with our federal government policy. host: is there a specific thing, you have to work so many hours to receive benefits? guest: that's the idea. to be clear, it is not legislation yet. it is a series of principles will be crafted into policies. there is no question that we incentives not aligned correctly in our current system. one of the keys to happiness in life is meaningful work, the fact that you have a calling and you are able to earn success for your own future. that's what will -- most americans want. we should not be discouraging that with host: federal policy. vast nancy pelosi said the majority of house republicans consistently show families nothing but contempt. guest: i think the current system has failed the average working american. i think the unwillingness to examine that, too russian whether we are on the right have -- to question that. it is an example of yesterday's thinking. what we are tried to do what can we do to make sure there is a safety net in america. this is america. we leave no one behind. many of our programs are not working for the people they are all we are serve, saying is if you go to work, you should be better off. understand what that can mean. it can mean that there may be a bridge of time where you don't the your benefits go away first week you go to leak or the first month that you go to work to they may be reduced over time. what we need to do is provide incentives for people to develop the skills that they need to be successful in their lives. i think the current system is clearly not working. ask our you want to guest questions first call is from stephen in shelbyville indiana. you are talking about getting back to work. i am disabled to i am only 55. arthritis has me down. i've had my hips replaced, i do have insurance. i cannot get anything done. this, you're going like and i think we need free health care for everybody. guest: i appreciate your comments. there are important programs for our country. there is some fraud and abuse in the programs. be part of what we need to do is have the right training programs available, so if you had bad knees or arthritis are certain kind of physical labor, we can direct you towards other kinds of skills in place so that person can go to work. work is a blessing. go to work asy to great list subject to. .t is the key to earn success all we are saying is you ought work-is incident work.ent if we are going to offer government programs to some folks for free, someone else will have to a for it. given the fact there is no free lunch, we have to work through this as as a society. many of the folks, the middle class worker who cannot afford insurance outside of the system. thank you. i am a democrat. problem.rt of the -- we can argue about whether or not people are -- don't want to were -- worked, , that's another argument. solution.ossible job,e when they lose a let's say they are working at a factory in a loser job. they either can find -- try to find a job that they were working and, for work someplace else. well, sometimes they can't do that. ok, they need to retrain. fine. how will they pay for that, i don't know. work, but they won't probably be able to pay for it. my question is this. against common core. coreeason i believe common is something that should be does itt is what that teaches people to think critically. we can argue about whether or not the federal government will a hold on the local school boards. we can discuss that at a later date. the concept of common core, which i remind you, was a governors meeting or something -- it is their idea. guest: the opposition is to a national curriculum. i certainly believe and agree we need anller that education system that delivers real value and skill to everyone in america are at if we are going to be a nation that fulfills our responsibilities as articulated in the declaration .f independence let's have access to a quality education in modern america and have a chance to live the american dream. i said for programs like education choice allowing families to decide what is best for their families are at --. don't mistake my comments. i am not suggesting that people are somehow lazy. i don't think ar. tohink people respond incentives. you are penalized to go into work. go tople are penalized to work they are less likely to go to work. we need to align these incentives so people are able to go to work. we need to have flexibility in the programs. there are people who don't need a -- food stamps, they need a bus pass. suggesting that these helping hands are to be aligned with flexibility that allow people to get back to work. i believe the vast majority of americans want meaningful work and a good paying job. no one in america should work a full-time job and live in poverty. maelbee caller: good morning. i want to thank the house member for his service that he provides us, trying to bring -- trying to keep us satisfied. i have an idea that might help to make his jobs easier. how we can participate in changing our nation together thatgh voting on the ideas our representatives put on the floor of the house. how to represent people better and get 100% of the things past that the majority want is to use the technology that we have participate in the changes of their nation through their vote on the issues that hit the house. when you give the people the ideas thatte on the thathe floor of the house, they pay for with their tax dollars and sometimes their lives. host: thanks, caller. guest: the caller makes a point. our founding fathers with our constitution to create a republic. we are not a system of government where recent bipolar and gody on every issue wherever the mass of the vote on that date does we should go. part of the idea of our system of government is that the people will elect rep resented us and will work to develop expertise. i think there is a balance here. sure we adhere with our principles and maintain the fact that we are a republican. we can do more to solicit input. now my fourth year in congress. we have an e-mail list of a couple thousand people in my district that weekend regularly lee put out polls. i think it makes the process that are. host: a poverty plan, national security, what are the highlights of the plan? guest: it should be rolled out this week. differencee a clear between the national security leadership with this president and what is proposed by hillary clinton, and our congress. the republican congress. we will start with an understanding that we need to protect our troops and look out for the veterans and highlight the fact that we need better at west it's in our military infrastructure. it has atrophied over the course of the last eight years. we need stronger investment there. we will talk about the importance of clarity of mission, and the fact that we are in the midst of what i call the new cold war. it is the cold war of our time, the battle of good and evil. i think we need to be: our nation the true breadth and depth of the challenger will ,ake to organize the military the diplomatic capabilities and the intelligence capabilities to be able to penetrate these groups as well. today atd out more 11:00 this morning, you can see it at c-span.org. how many areas are you planning to cover? guest: at least six. they will be rolled out over time. one of them is health care and another is basic constitutional principles. atrophied ands article two, the executive branch has become the dominant policymaker in washington, the voice of the american people has gone away as well. article one of the constitution is congress, that's because the people's voice reigns supreme. you will see us put together those on how to a may congress work together. caller: good morning. i am retired military. you all keep saying about getting and creating jobs. you know the problem is with this is that you are all in denial. 95% ofwould take 90% to jobs own by whites large or small, that is the problem. blacks are very smart people and they are not lazy. they won't hire the blacks. blacks are very smart people. i feel that application on, [indiscernible] . that's the problem. let's stop being in denial. there's still a lot of prejudice. i have an all over the world with the military. that is our basic problem. host: thank you. .uest: racism is wrong we ought to call it out everywhere that it this. when you look at our proposal, i think what you will see is a set of proposals that combat poverty and are on the side of the our federalker or a policies should be encouraging work and not discouraging work. today, too many of those policy -- policies have that wrong. it's important to speak out against racism, i do everyplace that ice the it. -- i see it. caller: good morning. initially congress has -- donald trump cul-de-sac. you guys are have afraid of the -- media. afraid of being politically correct. the original bailout, all of that money would have been a lot for our infrastructure. no jobs, just pay off the union. then you have obama care. i know two people that lost their health care. taxes, nothing done. , it is notx programs so great. nobody teaches government, economics, the free enterprise system. republicans are fine. you are mad at donald trump because politically incorrect statements. up the the democrats gum works and we will probably have her for four to seven years. she is probably going to be able to be president from behind bars because you don't want to step on any toes. guest: i can't speak to the comments about fear. alluding to mr. comments. this judge was born in indiana. said, comments were inappropriate. i don't believe donald trump was a racist. there are no reports of racist activity, but his comments were inappropriate and they were using the race card and we need to speak out against that. is donald trump really have some strange personal tic where he cannot control his comments, or is he an adult or someone who can control his tongue and a focus on the challenges of the people? this economy is not working for working americans. the president can come out and make comments that are some kind of jedi mind trick, trying to convince the people the last eight years have been great, but the people know better. that is why bernie sanders have been successful, donald trump has been successful. the average working american theireen a net decline in income. they know what they're lives are like. do they get an opportunity to change direction or do they get more of the same? has a role to play here. he continues to not be able to control his tongue. if he will focus on jobs, focus on the record of deceit from the clintons over their decades of public service, he can win the election. it is important he does. i do not want to see a president clinton. that would be bad for america. because idonald trump have a choice between donald trump and hillary clinton. hewas not my first choice, will be the republican nominee and that is the choice we have. the average american understands that better than the elites in washington. there is no choice between donald trump and my favorite candidate. it is a choice between donald trump and hillary clinton. host: who was your candidate at the beginning? guest: jeb bush. he is capable of doing the job. the voters chose elsewhere. now we are where we are. have selected a democratic nominee of hillary clinton and a republican nominee of donald trump. that is the choice before us. i will support donald trump. donald trumput where i disagree. many of his comments i can endorse, including his comments on the judge. where he speaks inappropriately, i will speak out. i encourage him to put the sideshow aside and focus on the clintons. this campaign is winnable. the american people do not want more of the same. i cannot think of anybody more of the same in this climate than hillary clinton. host: republican line, hello. caller: hello. i am going to begin this with more or less of a statement. on both sides of the fence, republicans and democrats realized the affordable care act has flaws. has some good things also. is, when the republicans have tried to repeal , can't they write a new health care bill, that at the end of it passage of this new health care bill will supersede old bill, giving americans the opportunity to see what you are going to replace it with? debate on it before you wipe out what we have now and then, what do we have, nothing? the same system that did not work before. health care costs are going up for the affordable care act. bill and at the end of it say this will repeal the old bill? i will take your answer. thank you. guest: i appreciate the caller for their comments. this is an example of why we are putting together our better way agenda project. obligation to not just complain about the parts of the affordable care act we disagree with, but to put forth our alternatives. are positives in the affordable care act. young people in their 20's can stay on their plan. pre-existing conditions were a major problem. thing today that folks with pre-existing conditions can get care. many of these plans have such anh deductibles, folks have affordable premium, but they have a plan but does not work in their life. a family making $30,000 a year with a $3000 deductible, you are going to be broke before putting the plan to use. be empowering patients -- one that uses medical savings accounts. part of what i hope will bring forward, everyone in america should be able to pay for health care with pretax dollars. policies, if your care,er provides health it is not taxable, but if you have to provide it, you have to pay after-tax dollars. we can have a debate and vote this fall. is this dependent on the next president of the united states? what we will put forward is a set of proposals with a partner in the white house that , we will be able to move in a different direction. say,r: i was calling in to i am looking at him right now. republicans had control of the senate and congress. this is the first time in history they said congress is a -- a congress that does not do anything for anybody. they don't want to raise taxes on the rich. my daughter has a job and they charging her taxes owed $22,000 a year, but a rich man can get away with paying taxes with a loophole, putting money overseas. thing, our senator, bob corker, he has not done anything for the people here. he is on the rich side like you and the rest. some democrats up their vote along with you. as far as donald trump, a leopard cannot change its spots. he is saying what he means. he got people unemployed, but under low wages. guest: i have made my comments on donald trump. i grew up in a single-parent family. my mother retired. i am in public service because i if iup where i was taught worked hard and stayed focused, anything is possible. we are losing that as a nation. programsd anti-poverty of the last decades are failing working americans. that is why we are trying to change it. if everything had been tried in the last 30 or 40 years and was of poverty,le out we would not have the complaints we have. folks know these programs are not working and they are throwing more money at it and that is not the answer. give back the right kind of incentives. if you go to work, your life should be better, not worse. married, you should not be penalized by the government because you made that decision. if you need a bus pass to get to work and not food stamps, the programs that are supposed to be helping ought to be flexible that that kind of common sense difference can be met by policymakers. when people see the details of the plan, they will like the plan and understand it is a plan that is on the side of the average working american, not a plan designed by ideologues. host: columbus, ohio. caller: republicans are ignoring my care. it is an offshoot from obamacare. the point, the latest , governor casey accepted millions of dollars for the next five-year plan. keep on medicare and medicaid, .ho go to the doctor they will not pay for it until the politicians say yes, the doctor did a good job and then they will pay the doctor. they are calling it an incentive or value-based a, where the politicians decide if they agree that your doctor did the right thing for you. that is not right. getting rid of fee-for-service, which is what everyone has. host: let our guest respond. guest: one of the problems i approach through obamacare, rather than re-examine the incentives in our system, the president created more of these same rickety system and tried to pay for it g people to- askin pay for health care for less healthy folks. that is not a way to build the health care system. indiana has an innovative health care system. inot of that plan is rooted medical savings accounts and taking existing state dollars and allow them to be consumers and benefit from those choices as consumers. if they choose to get certain procedures, they will get them. if there is money left, they can spend it in other ways. i want to ask about your effort to stop the guidelines on the transgender use of locker rooms and bathrooms. do you think it is practical? it is a commonsense plan based on local control. the president issued a letter to schools and said they have to provide a transgender restroom for every kid in every school in america. the president is trying to put forward this initiative to stop bullying. i think the initiative is bullying local schools. my legislation says these kinds of decisions about restroom for elegies and locker rooms should be handled at the local level by school boards, teachers, folks i trust to put the interest of the kids above political ideology and the federal government cannot cut your funding based on those decisions. it has gotten a lot of cosponsors out of the gate. wherever you fall on the political debate, i do not want to see the federal government intruding in our schools in this the decency of our local school leaders to deal with these challenges. doing thatready within schools in my district. if you bring a federal government mandate on top of that, you will end up with bad guidelines. host: why the concern? guest: this is the modus operandi of. they may or may not enforce an edict. the lawyers respond saying they might start enforcing it in the future. the argument becomes in a year or two, there is already a third of schools complying with this. bullying schools. it is not the right direction for our nation. is it true your education secretary has welcomed the guidelines? is a: our secretary democrat and she has said she is for the guidelines. the speaker pro tem and the governor have aligned with my bill. what is important is that is where most hoosiers are and we are optimistic we can get the bill moved. host: republican line. caller: two questions. in chicago, where they picketed -- the benefit. two people blew the whistle on hillary clinton's server and the [indiscernible] do you know their name and [indiscernible] was any protection given to them? the second part of the question, as i heard it, about hillary clinton's server, the abuse of classified information, ourfact she did not protect nation's secret, it is going to be a major issue through the summer and into the fall. the first half of the question sounded like talking about the misaligned incentives in obama care, they were driving employers to push people to part-time work. that is one of the real problems with the health care law. i do not think it was their intent to demolish the 40 hour work week, but the 40 hour work care isdate in obama the biggest assault on the 40 hour work week in a generation. what they do with this law, they tried to cover everybody by saying employers had to provide health care if you work 30 hours. what has happened is many employers are working folks 29 hours and folks are having to get two jobs. it is one of the problems with the current policy of obamacare. host: malcolm, san antonio texas. guestcaller: good morning. i am a 70-year-old black man in texas. i wish republicans would stop saying donald trump is not racist. raised on have been the other side of the deal, you need to stop raining it. i can smell racism 10,000 miles away. secondly, everything is president obama's fall. is there any fault to be laid at congress' feet? the american people have sent us to make a difference and the town is broken and not delivering for the american people. strong why you have seen support for donald trump and bernie sanders. folks are not necessarily aligned with everything, but they are tired of the status quo. that is why i came to congress. comments on racism, everyone will have to judge the candidates moving forward. when you look at donald trump's , you have not seen a pattern of racism, but a series of comments that could be .alled race baiting i have spoken out against it. i think it is wrong and it needs to stop. it better stop or donald trump will not be elected president. you thing donald trump has to change his tone between now and november? is that needed to attract more people? guest: absolutely. he is a smart man, has been successful through his life. he needs to analyze this problem and figure it out. he focuses on jobs and the clinton record, he can win this election. if he continues on this path of a sideshow, he will not win. this is one of the mysteries of the upcoming election. somenald trump really have personal tic where he cannot control his tongue and says crazy things or is he an adult, a leader, someone who can control his tongue and focus on the priorities of the people? it loses if he does not -- is not about a conservative movement or the republican party. the real loser is the american worker. the current promise of the american dream is not being met today. people are looking for a different direction. they are not going to get it if they only have one choice in the election because one has disqualified himself. host: thank you for your time. he gives us a segway on the tone of donald trump. for donald trump supporters, we want to hear from you. does donald trump need to change his tone to win in november? if you agree or disagree, offer your thoughts. eastern and central time zones, (202) 748-8000. mountain and pacific, (202) 748-8001. trump supporters only, does donald trump need to change his tone to win in november? modi talked about new relations. [video clip] modi: terrorism remains the .iggest threat it may go by different names, , but it is, isis hate, murder and violence. it is spreading across the world. it is incubated in india's neighborhood. i command the members of the u.s. congress for sending a clear message to those who preach and practice terrorism for political gain. [applause] refusing to -- them as they first step, holding them accountable for their actions. [applause] the fight against terrorism has .o be fought at many levels military tools of diplomacy alone will not win this fight. we have lost civilians and soldiers in combating terrorism. -- is for us to deepen our and -- a policy that isolates those who harbor, thatrt, and support -- and harbor and support terrorists. for us to succeed, those who believe in humanity must come for it. to fight "washington journal" continues. tot: does donald trump need change his tone to win in november. donald trump supporters only. (202) 748-8000 eastern time zones. -- eastern and central time zones. mountain and1 pacific time zones. one headline says donald trump's biggest opponent is himself. you may agree with that, you may disagree with that. if you are a donald trump supporter, let us know about his tone, if it needs to change before november. the lines are on your screen. linda, wisconsin, what do you think? caller: i think he will change things for the better. i am 65 years old and i cannot -- i do not have a vehicle. i am on social security and they will not give me a ride to dr.'s appointments -- to doctor's appointments. host: does he have to change his tone to win in november. no.er: he has to do things different. senior citizens need to get rights to the doctor. i had to go to the doctor in an ambulance. next, i could not get a ride to the doctor, i had to go in for i hadtis on my spine and to hobbled to the end of mind drive with a broken foot and a to a painitchhike clinic. host: you think donald trump is going to change that? caller: i do. tom, princeton, new jersey. does his tone need to change before november? caller: absolutely not. the media should be covering the tone of the anti-trump hittingrs, who are people over the head, spitting on children. the reason i believe he should and i ame his tone, disappointed the representative had to open his mouth and say late --isparaging disparagingly of donald trump is because he has ties to laurent is a. to --.ties he should, if he does not like his tone, he should keep his mouth shut. saying he said inappropriate things, it is doing more harm than anything that can come out of donald trump's mouth. eureka, california. william, you are next. i have been a democrat my life. voted democrat all my life. old.ars out of nowhere came obama. i voted for him twice. the first four years, i thought he was great. am 100% for donald trump. trump got to where he is at now by doing what he believes then and what he says. the only problem now is they ,ant him on that teleprompter that is not something i am interested in. times he says things that are wrong, that offend people, that is not in his heart. i believe he is going to do better things for this country. hillary clinton, how can you vote for someone like her, under howstigation by the fbi, underu vote for someone investigation by the fbi? 156 fbi agents checking her out. something is wrong with the big picture. mentions the teleprompter. the washington times, the headline says teleprompter trump.gop hope for he used it again, managed to stay on scripts, raising hope that if he can control himself and the liver a crisp message, he may be ok. liver -- and deliver a crisp message, he may be ok. personalityoutside was wearing thin. candidates are hoping for a few low drama. as as they struggle with how closely to embrace the rash billionaire businessman. his tone, does he need to change it? eastern and00 central time zones. (202) 748-8001 mountain and pacific time zones. i am a donald trump supporter. the reason i do not think he should change is because that is why we put him in the position he is in now. what has to change is the way the media twists everything he says and stays on it and stays on it until they have everyone convinced he is a racist. i do not think he is. i don't think he should change. no matter what he says, the media is going to try to destroy him, just like they did newt gingrich. comes to the statement about the judge, what do you think donald trump said versus what the media portrayed it as. caller: they portrayed him as a racist because they called him mexican. he is of mexican heritage. i am a caucasian. call me caucasian, is that racist? i don't get it. the media will continue to do it. the cowardly republicans apologizing for him make me sick to my stomach. host: southfield, michigan. andrea, how are you? caller: i am great. i am a donald trump supporter. said racism is described as one saying they are superior over somebody. racist.rump is not they could not get him with the college, now they are trying to get him on race. the democratic party, are you kidding? everything they do, they tie a race to it. trumpwhen you see donald give these speeches, make the comments he does, you are ok with that? i am perfectly ok with that, even when he said -- he missed a word and the media took it out. he said that is my african-american. he said there is my african-american supporter. they made it sound like he was saying it was his slave. female.lack i believe more women are for him than the media tries to portray. all morning i have been turning on the news and they do not say a positive ink about donald. they are upset about the -- thing. everything else is downhill anyway. 83,000hu has banned palestinians from coming into israel. what is up with that? is he racist? i am for donald. go donald. these stupid republicans against him, they are jealous and threatened their positions are going by the wayside. they might as well get on board the train. the new york times writes donald trump softens his tone and the gop hopes it will last. tuesday is what is reference. donald trump talked about his plans going forward, while he hopes to gain and attract supporters and his role he plays as the republican presidential candidate. [video clip] mr. trump: i will never let you down. too many people, blood, sweat, tears. never going to let you down. i will make you proud of your party and our movement. that is what it is. a movement. host: san diego, california. good morning. caller: i hope he will change his tone a little bit. he has important messages. he gets sidetracked. a lifelong democrat, i am a lifelong democrat. he is not racist. he needs to get his message out. or 30 read his stuff 20 years ago, he is not a racist. host: what needs to change most? gettinghe needs to stop sidetracked. he is not an experienced politician. in the beginning, i do not think he wanted to be president. he was a protest candidate. not a racist. he is a lifelong democrat. host: jack, fort lauderdale, florida. we are talking about the tone donald trump has to change to win in november. caller: he just has to change his tone just a bit and not get remarks.to the racist the reason i say that is because you have to remember, in my lifetime, donald trump is the only politician who has ever about the major things going wrong in this country. how wall street and the super over thee taken political system and are running the whole show. is only reason donald trump standing up and has the opportunity to do and say what he feels is because he has money and he does not have to be influenced by anybody. would draw a parallel between him and teddy roosevelt and who inranklin roosevelt, those days, they were the same types of politicians. in the last 35 years, we have not seen this type of politician. favor trump owes people a by toning it down and not getting sucked in by the press and the bureaucrats. a lookmore, if you take at bill clinton's campaign, his guyetary of treasury was a by the name of robert rubin, the former ceo of goldman sachs. bush, when at george he came in, his secretary of the treasurer was a guy by the name of paulson, a former ceo of goldman sachs. ran the treasury and state department for 16 years. it shows. host: gotcha, tony is up next. burleson, texas. caller: thank you very much. i do not really know if donald trump is telling the truth. we believed barack obama was telling the truth. hillary says the same thing. the bottom line is our country has been taken over by the elite demolished,eing just like we demolished these other countries to take over everything. they are demolishing our country. if you get in their way, they are going to kill you. they have too much power. they are out of control. it is a certain evil that -- i do not think we are going to survive. host: tony, texas. the wall street journal looks at aspects of the affordable care act. the obama administration is seeking to limit short-term health policies that feature policies banned under the affordable care act. under a proposed rule released wednesday, insurers would be able to offer short-term health less thanhat last three months, and the coverage could not be renewed at the end of that period. it seeks to close a gap that has let healthier consumers purchase short-term plans that could last for nearly a year, using them as a cheaper substitute for aca plans. the proposal and initiatives to reduceednesday aim the pressure on health insurance premiums for aca plans by bolstering the presence of healthier less expensive consumers and health law marketplaces with insurance pools. senatori believe the should be two terms. nothing changes. host: thank you. donald trump, as far as changing his tone. caller: i think he is ok. just don't say anything stupid, that is what i think. he gets out ofen office, he goes to a muslim church. mike, marlton, what do you think? don't think he should change his tone. he should stay the course. that is the way he has been working. before these rallies for the people outside, they should check green cards. that may not be politically correct. it may be like looking for a fox in the henhouse. him: viewers have mentioned speaking in front of a teleprompter. what do you think about that? he is gone. let's hear from john. wilmington, north carolina. hi. caller: he should not change his tone. i used to be a burning supporter. -- a bernie supporter. he doeseans well, but not have a chance. hillary, i do not believe anyone believes in hillary. i wish other people who were are goingporters who to vote for donald trump like me would call into your program. i think god for c-span. host: what is right about donald trump's tone? caller: everything. everyone has a bullet point, a slip of the tongue. hillary is one million to one that has a slip of the tongue. host: you would not change any aspect about how he speaks, the statements he makes, any of that? caller: he is not programmed. the people reading off a teleprompter. that is not them speaking versus people writing for them. host: the fact he used a teleprompter this week, does that bother you at all? he is speaking his mind. everything he is saying is making sense. i hope bernie supporters think as i am. we are talking to donald trump supporters only and if you think he has to change his tone to win. (202) 748-8000 for the eastern and central time zones. (202) 748-8001 for the mountain and pacific time zones. the senate committee is to review expanded e-mail privacy bill. georgia, here is cynthia. caller: good morning. i do not think donald needs to change a thing. is that, we put him there. he is what we want. he is our voice out there. as far as what he is currently doing, stay the same keep going to the november election. caller: stay the same. do not change a thing. you would say that in light of statements about the judge? it does not affect you? me at: it does not affect all. court justice making the remark she can make better decisions because of her race. he needs to keep saying what he is saying and doing what he is doing. host: california. trump'si think donald tone is fine. anybody that wants to burn a flag in america needs to get back to their country and they can take the mexican flag with it. he is about americans being held accountable for our politicians. disabled man on obama care and it has made me homeless. a mess that only donald trump can come in and hold these people accountable. hillary sure as heck ain't. donald trump using more teleprompters, would that change your idea of him at all? caller: it would not. we need to get our government strained out and donald trump's tone is just fine, the tallest -- the teleprompter is just fine. out bothns are talking sides of their mouths. we need to strain it out. a democratic president, especially hillary, would make my heart pressure go up higher than it is. host: that is raymond, california. a look at the latest from iraq, an effort to recapture falluja. a push to seize back control of falluja and concerns about the safety of 50,000 civilians andped inside the city fierce resistance by the sunni muslim extremist group which took over the city in 2014. wednesday, the military's counterterrorism forces overran a military controlled area. they moved on to the southernmost street of the uhuda neighborhood. we are talking about donald trump. does his tone need to change? caller: no. i like his tone just fine. the people who do not like it are the gop people. once we, the people, put him up there they have to go with him. are you a republican or an independent? caller: i am a republican. host: his tone is fine with you and other republicans who have a problem with it -- do you run a probleme who have with it and how he operates when he talks to people? you can look at how you talk to people. some people, you will never satisfy. or hower what you say you say it. it does not matter. people have to get over all of this crazy stuff. i am 69. i grew up in the 60's. we did not have a word barrier. we could all talk to each other. i don't understand all of this trump as about donald racist. the people in this country need to grow up. host: rob, new mexico. i would like donald trump to tone down his narcissistic fibrosis. it is not about him. it is about all of us. , in my eyes, stop talking to the television and talk to the people. it is bugging me because of the way he speaks. he needs to quit wanting to act presidential and he needs to be presidential. host: what does being presidential mean? caller: to hold yourself in a higher standard to sit -- than to sit there and complain about other people's problems. he needs to address the nation's s rather than people attacking him. i want to support him as much as possible. i think he is going to win. i have no faith in the democrats. peoples to talk to these like you talk to his children. like he talks to the people he loves instead of the people he hates. he is always about all of these attackers. let them attack him, who cares? he needs to speak to the speak toe of the test the things that are important to the people of the nation. at a report on the release of the dt knees -- of the detainees from guantanamo. back in march, a senior official made a startling omission when he acknowledged former inmates responsible for the deaths of americans overseas. provided nol details. the obama administration has declined to elaborate publicly because the intelligence was classified. there is more to the story. you can find it on the website. texas, we hear from john. thanks for c-span. really enjoy it every day. i am a donald trump supporter. a donald trump supporter, even if he runs for a second term. all of these people yelling about whether he should tone down, i do not think so. that is what has gotten him where he is. also, i want to make a statement about these people talking about racism. donald trump is not a racist. all different races of people. he treats everyone who works for him right. you cannot be a racist. know, i am a white, 71 euro man. worked all of my life, paid my taxes, work side-by-side with all races. i want to know if there are any racistacist or mexican people. with that, i will listen to my answers off. host: pennsylvania, good morning. as far as the tone of donald trump's campaign, it does not bother me. he should continue the way he is going. i would rather that him on his comments then a script that comes from a party hat. he presents the way himself, that is better for me to make the decision. comprehendoes not the populist wave that is coming. growing bigger and getting closer and calling it racist and unfair and unequal is not going to stop it. do you learn when donald trump makes a presentation or gives a speech? i get a refreshing amount of truth from him. does not seem to be veiled or scripted. that is what i am looking for. i am not looking for veiled scripts. elections, ie 1988 voted for republicans, democrats, libertarians. i will not vote for a socialist communist. i plan on going to the donald trump rallies when they come to pennsylvania. hit with a rock or a bottle, or a mexican flag shoved in my face, the people that are doing it are going to be lucky to make it home in one piece. host: ralph, new york. caller: i am in larchmont, new york. me and my wife are independent. donald trump's tone, what i have the message of-- the wall and the message of , when he expresses it we realize it is not against mexican people as much as they are trying to make it that. it is about illegal immigration. come to this country and you are free. there is a thing about immigration. we have to have laws. his tone is to express the wall as an immigration device and muslims, everybody loves everybody in this country. we are all international. clearly, isses that believe muslims should have some form of an id. about ids, if i go to another country, why do i need a passport? people come to this country and they have no id. are talking about donald trump. i would rather have a guy who talks his tone, not so much being nasty to people, then a aman like hillary, who has beautiful tone, but -- with her foundation. the wall street journal talks about a policy of the u.s. marine corps about tattoos. a 32 page guide on what is allowed when it comes to the marine corps. it has changed the tattoo madey, including custom rulers and a includes precise instructions on body art from marines' heads to their feet. marines can have one tattoo on their lower arm or lower leg and it cannot be bigger than the size of their hand unless the tattoo is a and that wraps around the whole limb. more of that in wall street journal this morning. you can watch the convention live today on c-span3. bernie sanders tonight at 7:00. a rally here in washington, d.c. you can listen to that on c-span radio. those are some of the events. if you want more information, you can go to our website. kenansville, texas. caller: good morning. i am listening. i am a hispanic, educated, hard-working. my parents were hispanic. we were born in the united states. i voted republican. ism not saying donald trump racist or that he intends to be. he is a grown man and the words are coming out of his mouth. who wants toof us hear him be individualized, it seems like the whole country is beginning to pick sides to become angry. i have never seen our country be so ugly and mean. -- whatever, the tone is not going to work in his favor. it is bringing the worst out of us. this november,to i am going to continue to listen to what his words are doing to this country. host: thank you for your time and all of your calls. [captions copyright national cable satellite corp. 2016] [captioning performed by the national captioning institute, which is responsible for its caption content and accuracy. visit ncicap.org] january 5, 2016, the chair will now recognize members from lists submitted by the majority and mity

Related Keywords

Hampstead , Maryland , United States , San Antonio Texas , Guanajuato , Mexico , Minnesota , California , San Diego , New Mexico , Russia , Charlotte , North Carolina , India , South Carolina , Shelbyville , Indiana , Chicago , Illinois , Baltimore , New York , Georgia , Portland , Oregon , Missouri , Texas , Afghanistan , Philadelphia , Pennsylvania , Marlton , New Jersey , Florida , Puerto Rico , Columbus , Ohio , Wisconsin , Falluja , Al Anbar , Iraq , Stockton , Washington , Michigan , Seattle , Oklahoma , Fort Lauderdale , Southfield , Thailand , Israel , Grove City , Town Hall , Americans , America , Puerto Ricans , Mexican , Russian , Thai , American , Luke Messer , Lindy West , Thomas Frank , George Mitchell , Elizabeth Moran , Nancy Pelosi , Ronald Reagan , Bradley Byrne , Sunni Muslim , Jim Webb , George Bush , Robert Rubin , Jeremy Mccarter , Richard Cordray , Russell Kirk , Maurice Jackson , John Boehner , Newt Gingrich , Paul Ryan , Elizabeth Hinton , Bernie Sanders , John Europe , Bob Corker , Joe Stein , Thea Spyer , Debbie Wasserman , Jeb Bush , Barney Frank , Gerald Ford , Harry Reid , Sanders Bernie , Barack Obama , Pamela Brandon , Warren Davis , Hillary Clinton , Tom Cole , Franklin Roosevelt ,