WASHINGTON, DC - APRIL 07:  U.S. Sen. Jeff Merkley (D-OR) (L) talks to Sen. Elizabeth Warren (D-MA) (R) prior to a hearing before the Senate Banking, Housing and Urban Affairs Committee April 7, 2016 on Capitol Hill in Washington, DC. The committee held a hearing on 'The Consumer Financial Protection Bureau's Semi-Annual Report to Congress.'  (Photo by Alex Wong/Getty Images)