Look, every institution will make mistakes. I acknowledge we make mistakes, and they can hurt my reputation and our company's. But you also must be willing to let go a little bit, trust others, and not always be so stringent, provided you have robust controls.

We did not anticipate the political fallout from it. We definitely didn't need it and we paid it back the first day we were allowed to.

It's great that people get together and collaborate, talk about the facts and the analysis, all in the interest of having a great financial system.

If you look at the banking business over many years, it's always been a huge user of technology. This has been going on my whole life, that people have been adding technology, digitizing services.

Dodd-Frank is 2,000 pages long. It covers thousands of rules, regulations, interpretations and things like that.

More people are working, lending is up and savings are up. These are all positive signs for a strengthening economy.

We don't think there are cases where people were evicted out of homes when they shouldn't have been.