One public comment that speaks volumes was his request that Congress revise HERA to grant the Director power to grant federal charters for new competing guarantors. He was looking at today & far forward. We never know if he was speaking from theory, practicality, frustration, and/or just having his strings pulled. It was a Long shot seeing as how Corker-Warner and other bills with similar ideology never made it very far. (No way that happens under Biden. Zero chance.)