The door is an excellent door. Its very well fortified, and its completely deployed. Its everywhere. The one vulnerability is this period of time when you have to leave for essential purposes, even passing meals or access the bathroom on the aircraft. Even if its for a very short period of time, and we take steps to make sure its for the shortest period possible, that period is when were most vulnerable. The installing of a very costeffective barrier, were talking 5,000 to 12,000 per aircraft once installed, its forever, no operating cost of it you can almost completely if not completely eliminate that risky period of time. Do you know what they look like . Ive seen some renderings, but is it a full door, or screen or what . Yes sir, its a wire mesh retractable, lightweight and its inexpensive as i mentioned. It goes from the floor to the ceiling of the cabin and its installed after the cockpit door, but before the passenger cabin. So as you enter an aircraft, normally you see the cockpit door to the left and you turn right to go down the aisle of the cabin. Its in that period where you would make that turn. Unobtrusive. Often you wouldnt see it unless its deployed. I want to switch gears and talk about the federal air Marshal Service and the relationship with the Airline Pilots. That youre aware of. It seems like you enjoy a pretty good relationship. Are there any concerns about the conduct of the federal air Marshal Service, or ways we can improve it Going Forward . So, we have no concerns over the conduct in the air Marshal Service whatsoever. I think part of the aviation safety and security is always seeking better ways to do business. So while were satisfied we have good communications, procedures through otwe, and out there on the line flying the aircraft, we know we can do better. Were constantly looking for those better ways to do it. What better ways would you say how can you improve the air Marshal Service . Is it more bodies in the seats, or is it better training for them, or what . I think one way would be actually to expand the ffdo program. The ffdo program is an amply flyer for the federal air Marshal Service in the coordination on flights is executed at the tsa. So if youre covering more flights with ffdos, then you have the capability of covering more critical flights with the current fams. When you say expand the ffdos, whats preventing you from doing that. We would like to see the opportunity to expand to entice every pilot who wished to become an ffdo to become an ffdo . Are there those who arent because of the Budget Constraints . Yes, sir. Do you know how long the waiting list is . I do not. I think that would be very constructive for me. If there are pilots desiring to do this, and its a question of funding, that should not be a question moving forward. We should do what we have to do to make that happen. To me, thats important Going Forward. Can you tell me approximately what percentage of Airline Pilots have the fddo certification . I cant confirm or deny how many there are, sir. It is confidential. I dont even know, sir. At some point, perhaps in a more secure setting you could advise us. Yes, sir. I do think its another layer of the security that is an important deterrent. If theres something we can do to help you enhance that, we want to try to do that. This is far afield of the subject today, but i have a few seconds so ill ask it. What happened with the german airlines, with the pilot going bad, and is there ways we can examine to try and help you prevent that from happening in this country, with our airlines . As you know Airline Pilots are subject to physical examination, in that theres an element of mental evaluation. The faa has stood up in the committee to examine the current processes we use for this element. At the Airline Pilots association, we really have had programs in place for many many years. We have not only Substance Abuse programs, but professional standards committees that monitor peertopeer within the program. We have pilot assistance programs where pilots can access hotlines 24 7, to express their angst, whether it be a family matter, personal matter, financial matter. We feel these programs have been very effective, as evidenced by this exceptionally rare incident. But were part of the program to were part of the solution Going Forward in trying to examine what else we can do. I look forward to hearing the results of that. Because to me, if theres something we could help you to do that, we would do so. I appreciate your questions and now ill refer to my rank and minority member, mr. Payne from emergency. Thank you, mr. Chairman. And as usual were on the same page, and the same thought, i was going to ask that same question in reference to the german incident. Kind of stole my thunder. But captain canoll, were really delighted to have you here this morning to testify before us. Your credentials are second to none, as we look at them. And just definitely consider you an expert in this area. I want to ask you about the screening process for applicants into the federal flight Desk Officers program. Are there any prerequisites for applying such as tenure or flight hours . Thank you, congressman. So the prerequisites that im about to describe are over and above the prerequisites that you would have to maintain to be an active air transport category pilot. That would be the physical testing requirements to be in the cockpit. The volunteers through an online process submit a volunteer questionnaire, which is extensive. Then there is an inperson interview conducted with those who get through the first level. And then there is a background check of those who are conditionally accepted. The Program Training is essentially one week in length. They arrive on sunday they depart on saturday. And in any given fiveyear point, they need to be able to look back and find that theyve either completed initial training or recurrent training. And maintain their qualification at all times. How has the training undergone by ffdos been tailored to address the evolving threats with Aviation Security . As i mentioned before all of aviation, both in the cockpit and in design and in the ffdo program, is an evolving training process. It changes in each cycle. Im not familiar with the actual recent changes theyve made. Theyre not, of course for public consumption but they do evolve each Training Cycle so theyre receiving the most current thoughts from the fams and all of tsa on tactics that they use. Are there any incentives that could be created to encourage enrolling in the ffdo program . Yes, sir. Currently the ffdo program, theres a few elements here. First of all, we do not have widespread, or actually extremely limited International Carriage capability for ffdos. So they dont deploy on international flights. In our larger airlines, pilots transfer in and out of national categories, sometimes on a daily basis. If we could work with the department of state to expand our ability to travel internationally as the familiar does with our weapon that would be helpful. We also believe that the requirement for the employer to provide leaves of absence for the ffdo to attend training would be helpful as well. Currently now you just have to coordinate it through your off schedule. Finally, any assistance we could get for ffdos to offset the practices they incur while they travel would be helpful as well. They receive no remuneration for service. Just for us, please detail the way the ffdos communicate with familiarss for vulnerability on flights. From a broad perspective, the ffdo program coordinates with the tsa, and so does the fam program. Im not familiar exactly with the crosscommunications between otwe and assistant administrator allisons department. But we are satisfied that it does take place, evidenced by the very Quick Reaction we get from otwe on all our concerns. Okay. Well, i appreciate your testimony. And you being available to answer the questions. And with that mr. Chairman, ill yield back. Thank you mr. Payne. I have one quick followup question i neglected to ask, and that was, comparing the current Safety Strategies that is in place, absent the secondary barrier, and that is turning the cart sideways and having a person behind it, versus the secondary barrier, could you tell me the degree of difference you think there is in the security when a pilots coming out of the cockpit . Ive never really contemplated putting a mathematical measurement on it. Not a mathematical measurement, but what are your concerns with the current way theyre doing it . Well i mean, without getting into our common strategy elements, i think even the most uneducated passenger can see that a simple drink cart isnt nearly as obstructive as a floortoceiling wire mesh. And the drink cart is guarded by a flight attendant, which also isnt nearly as strong as a wire mesh. I think its intuitive that if you have a wire mesh, youre going to have zero capability to get through that in the time the doors open. The drink cart has wheels. Its meant to move. Its meant to move, and it only comes up about waist level. There are some serious considerations there. And i dont think you could find anyone who would argue that the wire mesh physical barrier is far more secure. Now ive done a lot of hearings this year and ive never asked this question, but since we have a few moments, is there anything that we havent touched on that you wish we did, or anything else you would like to raise before you conclude your testimony . I think weve been very efficient with our time. I think so too. I think the program is running very very well in summary. And i think i would like to see an expansion of the program, as you mentioned. Mr. Chairman, i think it would work well. It has been a since 2001, we had secondary barriers in our agenda as something we wanted to see in our aircraft. A real enhancement to our security. We had some voluntary compliance. But in the last seven to eight years, it has waned to zero. No ones installing them because theres no requirement. If we could find a way to work a requirement in, and it doesnt have to be a requirement to have them installed by the end of the year on every aircraft, we can phase this in over a longer period of time. Thats the best single enhancement we can do. I appreciate your time. As far as flight deck officers program, if theres any information you want to submit to the committee we would be happy to look at it and see what we could do. Thank you, sir. I thank you for your testimony. I thank mr. Payne for his questions. The members of the committee may have additional questions for you. And we would ask you to respond to these in writing. The hearing record will be open for ten days. Without objection, the subcommittee stands adjourned. Thank you for your time, sir. One year ago, malaysian flight 117 was shot down over eastern ukraine. Friday, a panel of investigative reporters presents its findings about the causes of that incident, at the atlantic council. Live coverage begins at 9 00 a. M. Eastern on cspan2. This weekend, on the cspan networks politics, books, and american history. A road to the white house coverage features nearly all of the president ial candidates and begins friday night in iowa. At 8 00 eastern, were live on cspan from cedar rapids iowa for the democratic hall of fame dinner. All day saturday starting at 11 00 a. M. Eastern live at the family leadership summit in ames, iowa. A little after 6 30 eastern interviews with two republican president ial candidates. First lindsey graham, and john kasich. On cspan2s book tv saturday morning at 11 00 eastern live from new york city for the 17th annual harlem book fair with panels on economics africanamerican identity and race and politics, with a story of journalist Pamela Newkirk and more. And ann coulter said the greatest issue facing the u. S. Is immigration. American history tv on cspan3, saturday afternoon starting at 1 00 eastern, were live with the warren g. Harding symposium on modern first ladies from Florence Harding to michelle obama. Speakers include author Cynthia Bittinger and executive director of the first ladies library. And a little after 9 00, jake ursuline shows how the u. S. Government showed propaganda during world war ii to persuade citizens to join the military, buy war bonds and keep national secrets. Get our complete schedule at cspan. Org. A recent report by the Consumer FinancialProtection Bureau showed that Agency Actions resulted in Financial Institutions paying 114 million in compensation to consumers. Cfpb director Richard Cordray testified at the Senate Banking committee about his agencys work. This is just over two hours. The meeting will come to order. Today the committee will hear from Richard Cordray, the director of the bureau of Consumer Financial protection. The bureau has grown to over 1,450 employees, and has been very active since director cordrays last testimony before this committee. Among other things, it has recently increased actions to include the auto finance industry. These actions like others undertaken by the bureau since its formation have not been without controversy. Many would say some of them go beyond what congress envisioned in dodd frank. For instance, the bureaus regulation of auto lending now involves over 30 nonbank lenders, not previously subject to its supervision. This move has been called into question given the specific exemption for auto dealers in dodd frank. In addition to concerns with recent regulatory actions, issues remain with the bureaus lack of accountability. This has been demonstrated by concerns with the bureaus budgeting process, including the rising costs of renovation for the cfpbs new headquarters. According to the Federal ReserveInspector General, the estimated cost of actual renovation increased from 40 million in february of 2012 to 145 million in december of 13. This is over a 3 1 2 times the initial estimate. The Inspector General also estimated that the total cost is now closer to 216 million. The administration has yet to explain who approved the renovation, and what happened to the documentation involved. Unfortunately, congress does not have control over how the bureau spends its funds because the cfpb operates outside of the appropriations process. Even the Federal Reserve which funds the cfpb from its earnings does not control the bureaus budget. Because congress cannot tighten the financial reins when Budgeting Issues arise the bureaus current structure makes meaningful congressional oversight very difficult. Socalled independence is one reason cited by the authors of dodd frank for the bureau structure. But other independent agencies such as the securities and exchange commission, the cftc, the ftc, and the cpsc are all subject to the appropriations process. Additionally, the bureau does not even have its own office of Inspector General, relying instead on the Inspector General of the Federal Reserve. Some of us have urged the adoption specific reforms to make the bureau more accountable, and more transparent. Putting the bureau through the appropriations process and establishing a board of director i believe it would resemble other agencies and provide congress with the ability to conduct meaningful oversight. Unfortunately, calls for reform have been rejected in past congresses. Therefore, the only remaining oversight available to the congress is to hold hearings, and hope that any concerns expressed perhaps would be addressed. Director cordray it would be like giving you the authority to the Consumer Financial laws, but withholding the authority to enforce them. I think you would agree that would make you highly ineffective as an Agency Charged with implementing our Consumer Financial laws. Congressional oversight of the bureau is critical now more than ever, because the cfpbs growing reach over the practices of individuals and companies in the financial sector. For the time being, here we will conduct hearings and submit respectful requests that may or may not be addressed. Im confident that the time will come when we will reassert our constitutional prerogative that the supporters of dodd frank sacrificed five years ago in the name of bureaucratic independence. Only then, i believe will the bureau be truly accountable to the peoples representatives. Director cordray welcome back to the Senate Banking committee. Next week marks, as we know, the fiveyear anniversary of the wall street reform acts which created the Consumer FinancialProtection Bureau. Financial crisis, never should we forget the worst this country has seen since the great depression. Exposed many weaknesses in our regulatory system. Most troubling is that no one was looking out for consumers. Consumers were steered into mortgages they couldnt afford, often the terms with terms that were not disclosed, high fees sudden Interest Rate increases. 5 million americans lost their homes in foreclosure. And home state of the director and my state alone, half a million homes were foreclosed upon between 2006 and 2011. Half a million homes. The height of the crisis in 2009 1 in 3 ohioans were underwater. One in