Jeb Hensarling

Jeb Hensarling


Hensarling: Obama Self-Admittedly Ignores Law, Will of American People


WASHINGTON—Congressman Jeb Hensarling (TX-05), Chairman of the House Financial Services Committee, issued the following statement in response to President Obama’s plan to issue an executive order that will grant de facto amnesty to illegal immigrants: “Tonight, the president thumbed his nose at the American people and our system of democracy. The president’s brazen action is lawless, unconstitutional, and arrogant. Regardless of how one feels about the issues of amnesty and illegal immigration, all should be appalled by the president’s unilateral action – something he himself said last year would be ‘ignoring the law in a way that I think would be very difficult to defend legally.’ “Regrettably, this is the latest in a continued pattern of disregard and indifference to our Constitution and the protections of our freedoms contained within that cherished document – namely our system of co-equal branches of government with separate powers. “Barack Obama was elected our president, not our king. “America is a nation of immigrants, and should continue to be.  We cannot take everyone, but I believe there is a place for those who want to come to America legally, roll up their sleeves to work hard, and be an economic asset to our nation.  Unfortunately, the president’s actions today not only create the underpinnings of a constitutional crisis, they potentially set the stage for another immigration crisis like we saw this past summer.  By taking this executive action, the president has done nothing more than double down on his existing failed policy and make our broken immigration system worse.”   ###   Read More

Hensarling Votes to Bring Transparency, Accountability to EPA


WASHINGTON—U.S. Congressman Jeb Hensarling (R-TX), chairman of the House Financial Services Committee, issued the following statement after the House of Representatives passed the Secret Science Reform Act (H.R. 4012) and the EPA Science Advisory Board Reform Act (H.R. 1422): “President Obama declared at the outset of his term that his administration would be the ‘most transparent administration in history’ and directed his administration to ensure that Americans were ‘offered increased opportunities to participate in policymaking and to provide their Government with the benefits of their collective expertise and information.’ Unfortunately – as with virtually every other agency in Obama Administration – it seems the president’s Environmental Protection Agency (EPA) didn’t get the message. “The EPA has been relentlessly conducting a war on carbon-based energy, issuing regulation after regulation that will significantly impact our economy, destroy jobs, and raise energy prices for hardworking Americans already struggling to make ends meet.  Despite the significant impact these regulations will have, the EPA refuses to make public the scientific data it used in crafting its regulations.  This stunning lack of transparency leaves the public and Congress in the dark and unable to scrutinize the EPA’s actions and hold them accountable.  “Even the Science Advisory Board (SAB) – which was created by Congress in 1978 to provide expert advice and review the scientific foundation of the EPA’s regulatory decisions – has turned into little more than a rubber stamp for decisions made by unelected bureaucrats at the EPA as dissenting voices are silenced, the membership is far from independent, and public participation is limited. “The bills passed by the House today would provide a meaningful opportunity for the voices of the American people to be heard in the regulatory process by reforming the Science Advisory Board to bring greater independence to the panel membership and promote greater transparency and public participation, and by requiring the EPA to base its regulations on public data—bringing much needed accountability and transparency to the EPA.”  ###   Read More

Hensarling Elected to Second Term as Chairman


WASHINGTON- Financial Services Committee Chairman Jeb Hensarling (R-TX) issued the following statement today after he was elected to a second term as Chairman of the committee for the 114th Congress. “I am humbled by the support and trust of my colleagues as I continue my service as Chairman of the Financial Services Committee. House Republicans know the only real way to grow the economy is from Main Street up, not Washington down. Our committee will continue to focus on promoting sensible solutions to hold both Washington and Wall Street accountable to the American people.”   ###   Read More

ICYMI: Hensarling in The Washington Times: Wean Business Insurers off Terrorism Risk Insurance Act


Businesses should relieve taxpayers of insuring against future attacks By Rep. Jeb Hensarling The threat posed by radical Islam once again commands the nation's attention at the same time Congress debates whether to re-extend a never-used terrorism-risk insurance program that was supposed to expire nine years ago. The 2002 Terrorism Risk Insurance Act (TRIA) subsidizes insurance companies as an incentive to sell insurance against the losses caused by acts of terrorism. Whether to extend the act beyond its original purpose will be debated in Congress' lame-duck session. TRIA supporters often suggest the program is a vital part in the war on terrorism, but nothing in the act prevents an attack. Nothing in it saves lives or property. Instead, the Terrorism Risk Insurance Act concerns just one issue: Who should pay for the property damage caused by terrorists — commercial property owners, the insurance companies that took on the risk, or taxpayers? This is an important question, and it is one reason why there was enormous uncertainly in our economy in the wake of Sept. 11, 2001. At that time, the act helped stabilize the private market and provide for the widespread availability of terrorism insurance, which are the program's original purposes. The Terrorism Risk Insurance Act was designed to be temporary and transitional so, over time, insurance companies could resume pricing terrorism insurance and develop better forecasting models to absorb any future losses. The law initially accomplished this by gradually increasing TRIA's thresholds, and each year insurance companies covered a little more of their own risks so taxpayers were responsible for covering a little less. Yet that successful framework was abandoned in 2007 when Congress passed an ill-advised extension that froze the act's thresholds. This removed the requirement of transitioning back to a private market, contrary to TRIA's original goal. Instead of building more accurate loss models, insurers have grown increasingly reliant on the program. Instead of taking on more of their own risk, they have become more resistant to resuming the act's transitional reforms. This intense desire to maintain the status quo resulted in the Senate's passage of a bill in July to extend the Terrorism Risk Insurance Act for seven more years "as is" — without any meaningful reforms to protect hardworking taxpayers and to jump-start private market development, as the act was originally intended to do. If the Senate bill becomes law, what was supposed to be a temporary and transitional program will be in existence for nearly 20 years but without making any new progress toward reform. This would be a step backward. It would make TRIA a de facto permanent obligation of the taxpayers who are already burdened with unsustainable levels of debt owing to other Washington policies and programs. Also, instead of creating economic certainty, merely extending the act without reinstating reforms would actually increase uncertainty and market instability because the insurance industry would remain entirely dependent on government to manage its risks. Reforming the Terrorism Risk Insurance Act now is the only way to protect taxpayers, promote stable markets and enhance economic certainty. There remains a need for a federal backstop against those catastrophic acts of terrorism that cannot be reasonably modeled or mitigated and whose size truly impacts our economy. However, today there is more capacity within insurance and reinsurance industries to cover far greater portions of this risk. There will be even more tomorrow, provided we put the act back on its transitional reform path. That's why the House Financial Services Committee, which I chair, approved legislation that maintains the essential TRIA framework but gradually asks insurers to be responsible for privately funding more of the risks they underwrite. This bill also refocuses the act on only those catastrophic risks for which risk models are currently vague. The House bill puts the Terrorism Risk Insurance Act back on track as a federal backstop against the most damaging acts of terrorism, while restoring the market discipline to adapt, properly price, or innovate in the delivery of private terrorism insurance. Some say there is no need to reform the act. I respectfully disagree. By the insurance industry's own admission, taxpayers are currently forced to bear incalculable amounts of risk, but we know that there is untapped capacity in the private reinsurance markets to handle more risk. That is the only way to move more and more of the risk from the taxpayers' balance sheet and put it back on that of insurance companies. Critics have and will likely continue to contend that such reforms are somehow unfair or unpatriotic. Nothing could be less true. The federal government, free from competition and unable to make hard choices, has a long and ugly history of insurance schemes that underestimate and misprice risk. Each time the purported beneficiaries end up more at risk while taxpayers end up footing the bill. Passing a Terrorism Risk Insurance Act reform bill now is the only way to stop that vicious circle and help prepare insurers and commercial property owners for a less risky future.   ###   To view online at The Washington Times, click here.   Read More

Hensarling Calls on Senate, White House to Put Americans First, Approve Keystone


WASHINGTON—U.S. Congressman Jeb Hensarling (R-TX), a leading conservative and chairman of the House Financial Services Committee, released the following statement on H.R. 5682, a bill approving the Keystone XL Pipeline. “Our nation stands at a point where energy independence is within our reach, and North American energy independence is even closer.  The Keystone XL pipeline is an important part of our energy future and independence.  For the ninth time in four years, the House of Representatives has passed legislation that would approve the Keystone XL pipeline. Unfortunately, each of our previous eight attempts to provide relief to struggling American families through lower energy costs were blocked by Harry Reid and President Obama, who have put the agenda of their radical environmentalist allies ahead of the majority of Americans who support the pipeline and the thousands of jobs it would create. “While I am encouraged by the change of heart some Senate Democrats seem to have had on this issue – regardless of the reason – it seems the White House is doubling down on their tone deaf response to the message voters sent on Election Day. I am hopeful President Obama will listen to the American people and his own State Department, rescind his veto threat, and join the people’s representatives in finally approving the Keystone XL Pipeline.”   ###   Read More

Hensarling on Honors Our Nation’s Veterans


WASHINGTON – U.S. Congressman Jeb Hensarling (TX-05) released the following statement commemorating Veterans Day: “Veterans Day is an opportunity to say ‘Thank you’ to those patriots who’ve answered the call to defend us, going into harm’s way so that we can enjoy the blessings of freedom, peace, and prosperity. Freedom is not free – it comes at incredible cost. Today, and every day, let us never forget that. “We must also remember our military families, who are left to carry on while their spouse, parent, or child is away serving on the front lines. Though they may not wear the uniform, they too serve and sacrifice much for the cause of freedom. “Few opportunities are more meaningful to me as a Congressman than when I am given the chance to help our veterans, whether it is obtaining long overdue medals for a hero of WWII, securing VA benefits for a struggling veteran of Korea or Vietnam, or paying tribute to the life of a soldier that was cut short defending freedom in Iraq or Afghanistan.  “As the son, grandson, and brother of veterans, I have and will continue to fight for our nation’s soldiers and military veterans. As President Calvin Coolidge once said ‘A nation which forgets its defenders will itself be forgotten.’ I am committed to making sure we never forget.”   ###   Read More

Wall Street Journal: What If Republicans Win?


By James Freeman October 18, 2014 [[{"fid":"295","view_mode":"teaser","fields":{"format":"teaser","field_file_image_alt_text[und][0][value]":"","field_file_image_title_text[und][0][value]":""},"type":"media","attributes":{"style":"float: right;","class":"media-element file-teaser"}}]] Jeb Hensarling may be the most important Republican elected official you’ve never heard of. He will become even more important if his party wins control of the U.S. Senate in November’s elections, two weeks from this Tuesday. He’s also a leading candidate to eventually succeed John Boehner as House speaker. So it’s a good moment to sit down with the Texan, who represents a district near Dallas and is now chairman of the House Financial Services Committee, to talk about the political possibilities and strategy. He believes the GOP is “poised for a good election” but not a great one. Good because President Obama is ineffectual and unpopular. Not great because Republicans haven’t talked enough about their plans to encourage job creation and rising incomes. But if Republicans do win a majority, count Mr. Hensarling among those who think they will have to do more than stymie Mr. Obama for his final two years. They’ll have to produce legislation, he says, putting bills on the president’s desk that he will have to sign or veto. The political trick will be calculating what to pass that Mr. Obama might conceivably sign, and what to pass anyway to educate the country and prepare for the 2016 election. Together with Rep. Paul Ryan (R., Wis.), who is expected to become chairman of the tax-writing Ways and Means Committee, Mr. Hensarling will drive economic policy in the House. A cerebral veteran lawmaker who opposed the bank bailouts, he carries the respect of both tea party conservatives and establishment moderates within the GOP. He’ll need that credibility because he is aggressive in sketching out a 2015 legislative agenda for faster economic growth. The common theme he stresses with Journal editors is liberating people from bureaucracy, whether they are seeking a mortgage, buying health insurance, crossing America’s southern border to make an honest living in the U.S. or simply filling out their tax returns. This last one provides an opportunity to liberate Americans from billions of hours of unproductive labor. “Nothing says economic growth like fundamental tax reform,” says Mr. Hensarling. The idea is to slash tax rates, along with loopholes, to enact a simpler, more user-friendly tax system. Contrary to much Washington wisdom, including among conservative pundits, he says tax reform is possible in 2015 not only because the IRS is in such ill repute, but also because Republicans will have no excuse for inaction if they control both houses of Congress. “It’s a put-up or shut-up moment for us,” he says. An early gut check for Republican reformers will come next year when Congress will decide whether to once again reauthorize the Export-Import Bank, a monument to crony capitalism that provides cheap financing for selected international trade deals. Mr. Hensarling views the Ex-Im battle “somewhat as a precursor to the tax reform fight because there are so many vested corporate interests” served by the current tax code: “If we can’t get rid of this agency and the corporate welfare it represents, how will House Republicans ever muster the intestinal fortitude to be able to do fundamental tax reform?” He adds, with some political poignancy, “I don’t know how we will ever have the moral authority to deal with social welfare if we can’t deal with corporate welfare.” On the Financial Services Committee, Mr. Hensarling has been quietly crafting bipartisan reform bills that now lie buried in Majority Leader Harry Reid ’s Democratic Senate. But if Republicans control the upper chamber after November, Mr. Hensarling suddenly will have someone to work with, probably Alabama’s Richard Shelby, who is expected to become chairman of the Banking Committee in a GOP Senate. Mr. Hensarling sees an opportunity to revisit the 2010 Dodd-Frank law, which was drafted in haste after the financial crisis and was falsely promoted as an end to too-big-to-fail banks. Mr. Hensarling says that “given the state of the economy, people are taking a second look” at both the law and the story they were sold by its authors. “We’ve all heard about Wall Street greed. I think people are now starting to be a little bit more sensitized to Washington greed—the greed for power and control over our lives and our economy.” He notes that consumers aren’t pleased with the results: Free checking and credit-card perks are disappearing, and more generally the economy is lagging. Mr. Obama’s approval ratings on economic policy are down, and Mr. Hensarling thinks one reason is the burden on lending and small community banks by Dodd-Frank’s “sheer weight, volume, complexity and number of regulations.” He is particularly focused on the law’s Financial Stability Oversight Council—which can vote to rescue certain huge corporations it deems “systemically important”—and on the Consumer Financial Protection Bureau (CFPB), which he calls “the single most unaccountable agency in the history of America.” Housed within the Federal Reserve, it draws funding from the Fed but doesn’t answer to any Fed officials, or to congressional appropriators, or to a bipartisan commission, as most independent agencies do. The bureau is run by a single director who cannot be removed unless the president can show cause. Mr. Hensarling also notes that the Bureau doesn’t even have true oversight by the courts because of the Supreme Court’s Chevron legal doctrine that compels judges to show deference to the bureau’s decisions. This lack of accountability may be why the bureau has been constructing what Mr. Hensarling calls “the Taj Mahal” to serve as its Beltway headquarters. Mr. Hensarling believes the CFPB’s lack of accountability is also leading to “consumer protections” that Americans don’t want or need. Once the bureau’s rules are fully implemented, he says, “one third of all blacks and Hispanics” will “no longer be able to buy the homes that they have traditionally been able to buy. We are protecting them out of their homes! The qualified-mortgage rule should have been called ‘quitting mortgages’ because that’s what it’s all about. So I think I’ve got the argument that is very compelling and people feel it,” says Mr. Hensarling. “They’re less free and less prosperous.” Does this put him in the company of affordable-housing advocates who favor degraded underwriting standards for politically favored demographic groups? “Possibly, yes,” he says. “I don’t want degraded standards. I want market standards. I don’t want government fiat standards. I don’t want one view coming out of Washington on what acceptable mortgage risk is.” Because, he adds, that view is guaranteed to be wrong. Will he try to put a repeal of the CFPB on Mr. Obama’s desk next year? “It would be a very different CFPB,” he replies. “I want government to vigorously police our markets” and it’s not necessarily a bad idea to have this function centralized in one department. “What is bad is giving an unelected, unaccountable bureaucrat the unilateral power to essentially decide what credit cards go in our wallets, what mortgages we can have on our homes, which is exactly what CFPB is doing.” What about the stability council in Dodd-Frank? Would a GOP Congress vote to repeal it? “I would hope so,” Mr. Hensarling says, and he expects such a plan would enjoy “a little more bipartisan buy-in.” He’s willing to seek whatever reforms to the law can attract 60 votes in the Senate. “Absolutely, whatever the market will bear. I came here to make a difference, not to make a speech,” he says. He’d like to combine a repeal of this big-bank rescuer with a new bankruptcy plan for large financial firms crafted by the House Judiciary Committee, along with requirements that banks hold more capital. In fact, he’s already agreed with liberal Democratic Rep. Maxine Waters on dozens of modest reforms to financial laws that provide regulatory relief, even though the two lawmakers “come fairly close to representing ideological bookends of the United States House of Representatives.” He’s particularly optimistic about being able to lessen the bureaucratic load on small banks next year. And he thinks a housing-finance reform that ends the dominant role of Fannie Mae and Freddie Mac is possible as well, provided Democrats don’t demand “another affordable housing slush fund on steroids.” But why would Democrats cooperate with any of this, given the political benefit they seem to see in blaming Republicans for obstructing the president’s agenda? “I don’t think that is selling like it once did,” he says. “I don’t want to hurt their careers so they shall remain nameless, but there are a number of Democrats on my committee who have indicated an interest in working on certain issues. It’s always a tough thing to do, and a lot of times you don’t want to do it unless you think that ultimately you can make a difference because you end up taking flak from your party.” He adds that “there are some Democrats on that committee that have done some pretty good work on some issues. Now they still tend to vote the party line because they don’t think this would see the light of day and thus it is not worth the risk for them to step out, but they’re there.” Beyond Mr. Hensarling’s committee, he says the GOP agenda next year should include “making ObamaCare optional.” And the Texan would like to see immigration reform that allows more H-1B visas for high-tech workers and also creates a “vibrant guest-worker program” for low-skill workers who want to come here to work in agriculture for example. He also favors more border security but says that doesn’t mean a physical wall is required over the entire length of our southern border. He believes a good guest-worker program is a form of border security because it allows law enforcement to focus on catching criminals and terrorists: “Less hay to find the needles.” This focus on immigration’s economic benefits is consistent with his free-market principles, though it puts him at odds with the drift of many Republicans who are falling for the fallacy that there are a finite number of jobs in the country and every immigrant robs a job from someone already here. Mr. Hensarling acknowledges the drift but thinks a GOP Congress would still be able to move piecemeal immigration reform to Mr. Obama’s desk. Mr. Hensarling recounts walking at his local July Fourth parade this year and noticing a woman come running at him from the curb. As a public official he’s learned this “is either a very good thing or a very bad thing.” But she had a smile on her face and said in a thick accent, “I had to learn your name for my citizenship test and I’ve always wanted to meet you.” When he asked where she was from, the woman said, “Russia. And I love freedom.” “Welcome home,” he replied.   ### To view online at the Wall Street Journal, click here.   Read More

Hensarling Statement Ebola in the U.S.


WASHINGTON—U.S. Congressman Jeb Hensarling (TX-05), chairman of the House Financial Services Committee, released the following statement on the first U.S. case of the Ebola virus in Dallas, Texas. “The news of the first confirmed case of Ebola in the United States is beyond troubling. My office has been and will continue to be in close contact with federal, state and local health officials to ensure we are doing everything we can to protect our citizens and prevent the further spread of this terrible disease. “The reported details surrounding the travel of this gentleman from Liberia to the U.S. have raised serious questions about current policy regarding travel and visas from West Africa, and this incident should serve as a wake-up call given the fact that the number of people who have contracted this disease is growing rapidly.  Ultimately, our top priority must be to keep our citizens safe and mitigate an outbreak.”   ###   Read More

Hensarling on Eric Holder’s Resignation


WASHINGTON—U.S. Congressman Jeb Hensarling (R-TX), a leading conservative and chairman of the House Financial Services Committee, released the following statement on Attorney General Eric Holder’s resignation. “Eric Holder’s decision to step down as Attorney General is long overdue.  From his refusing to cooperate with Congress on the investigation of Fast and Furious to failing to investigate the IRS’ violation of the Constitutional rights of Americans, Eric Holder has presided over a Justice Department that has enabled the Obama Administration to turn our nation from one governed by the rule of law to one governed by the rule of rulers. These actions as Attorney General lost him the confidence of the American people needed to serve as our nation’s top law enforcement official.  While Eric Holder may be leaving, this doesn’t excuse the Obama Administration and the Justice Department from working with Congress to answer the serious questions that we have sought answers to.  I hope the next Attorney General will work to uphold the rule of law and respect the Constitution so that the public’s trust in our justice system may be restored.”       ###   Read More

Hensarling Votes to Expand Jobs, Opportunity for East Texans


WASHINGTON—U.S. Congressman Jeb Hensarling (R-TX), a leading conservative and chairman of the House Financial Services Committee, released the following statement on H.R. 4, a package of bills aimed at improving our economy and fostering job creation. “All across our nation, far too many Americans are sitting around their kitchen tables wondering how they’re going to keep a roof over their head, put food on the table, and gas in their cars to drive kids to school and themselves to a job – if they’re fortunate enough to have one in the Obama economy. American’s paychecks are shrinking and job security is waning. While our nation's spending driven debt crisis and the threat of higher taxes are holding back growth, job creators are also burdened by Obamacare, out of control Washington regulations, and our nation's convoluted and voluminous tax code. “The package of bills passed by the House today addresses many of the issues that are stifling growth.  From addressing some of the onerous regulations in Obamacare and Dodd-Frank, to requiring any major new federal rules and regulations receive Congressional approval before implementation, to making the research and development tax credit and small business tax expensing permanent, these pro-growth economic policies will allow employers to enlarge paychecks and expand payrolls.”   ###   Read More

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Committee Assignments

Financial Services

First elected to Congress in 2002, Jeb Hensarling is a strong conservative and an outspoken advocate for limited government and unlimited opportunity.

As chairman of the House Financial Services Committee, Jeb is a leader in promoting consumer choice, competitive markets, and smart regulation in our financial markets.  He was the only member of Congress to have introduced comprehensive reform legislation for Fannie Mae and Freddie Mac during the credit crisis, lauded in the media as “a concrete plan for fixing Fannie and Freddie.” Jeb was recognized by The New York Times for “leading the GOP Vanguard against the Bailout,” and was the only member of Congress to have introduced a legislative alternative to TARP during the heart of the credit crisis, which would have minimized taxpayer exposure and the politicization of the market.

A lifelong conservative dedicated to advancing the principals of faith, family, free enterprise, and freedom, Jeb was chosen by his colleagues during the 112th Congress to chair the House Republican Conference—the fourth ranking leadership position in the House—and in the 110th Congress, he was elected chairman of the Republican Study Committee—the largest conservative caucus in the House. The Associated Press recently recognized Jeb’s consistency on conservative issues saying, “he made cutting federal spending, ending earmarks and reducing the size of government his priorities before the tea party came into existence.”

In recognition of his relentless fight to cut wasteful Washington spending and remove barriers to job growth, Jeb was appointed to serve on the Congressional Oversight Panel for TARP, the National Commission on Fiscal Responsibility and Reform, and was most recently appointed co-chairman of the Joint Select Committee on Deficit Reduction.

Prior to the 112th Congress, Jeb served as the number two Republican on the House Budget Committee—under now Chairman Paul Ryan—and has consistently fought to reduce our debt and stop out-of-control Washington spending. He is a co-author of the “Spending, Deficit, and Debt Control Act,” a landmark budget reform bill that was heralded as the “gold standard” of budget enforcement legislation by a coalition of conservative groups, including the Americans for Tax Reform, Citizens United Against Government Waste, Citizens for a Sound Economy, and the National Taxpayer Union. Jeb also authored the “Spending Limit Amendment”—a Constitutional amendment that would limit federal spending to no more than 20% of the economy—the historic average since WWII. For his work to rein in wasteful Washington spending and put our country back on a fiscally sustainable path, the National Review Online dubbed him “Rep. Budget Reform,” and The Dallas Morning News called him a “truth teller” who “has become one of the most important GOP members of Congress.”

Born in Stephenville, Texas, Jeb grew up working on his father’s farm near College Station. He earned a degree in economics from Texas A&M University in 1979 and a law degree from the University of Texas in 1982. Before coming to Congress, Jeb spent ten years in the private sector, serving as an officer for a successful investment firm, a data management company, and an electric retail company.

Jeb and his wife, Melissa, are members of St. Michael and All Angels Church, and reside in Dallas with their two children, Claire and Travis.

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