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First things first, id like to welcome beth to the Manhattan Institute where shes recently become a fellow. Prior to joining us, she was a fellow at the Brookings Institution center on children and families, and before that she was a taffe economist staff economist at the president s council of economic advisers and worked extensively on Higher Education policy. Second, id like to welcome beth back to new york. Beth received her ph. D. In math excuse me, her b. A. In math and economics from cunyalbany and her ph. D. From columbia university. Beths here to talk about her book, game of loans. Re...

First things first, id like to welcome beth to the Manhattan Institute where shes recently become a fellow. Prior to joining us, she was a fellow at the Brookings Institution center on children and families, and before that she was a taffe economist staff economist at the president s council of economic advisers and worked extensively on Higher Education policy. Second, id like to welcome beth back to new york. Beth received her ph. D. In math excuse me, her b. A. In math and economics from cunyalbany and her ph. D. From columbia university. Beths here to talk about her book, game of loans. Re...

Good afternoon. Thank you ladies and gentlemen, for turning out on a cold, late fall day. I can assure you its going to be worth your time. Im daniel disalvo, an associate professor of Political Science at city college of new york and a senior fellow at the Manhattan Institute here its my pleasure today to introduce our speaker, beth akers. So first things first id like to welcome beth to the Manhattan Institute wishes result become a fellow. Prior to joining us she was a fellow at the Brookings Institution center on children and families. And before that she was a staff economist at the presi...

[inaudible conversation] [inaudible conversation] [inaudible conversation] [inaudible conversation] [inaudible conversation] [inaudible conversation] [inaudible conversation] the meeting will come to order without objection. The chair is authorized to declare recess at any time. This hearing is entitled examining the sec agenda operations in fy 2018 budget request. I now recognize myself or three minutes to give an opening statement. I warn everybody i will take a lot longer because there is unanticipated news. First, before proceeding to the purpose of this hearing, i do want to know for all ...

I said we would do as many of them as we could. Weve basically set the agenda for the rest of the year and into january. You dont see any i dont see any lastminute rushes. I intend to carry out the agenda i outlined in february of 20 1y50i6r 16 as much as i can. In the bloomberg report, it says u. S. Consumers are increasingly defaulting on loans made online. They talk about delinquencies and default reaching key levels known as triggers, four different sets of bonds reaching those levels. To start paying down bonds early. My first question is, are you aware of this with regard to the on line ...