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Welcome, everyone. Welcome to the Consumer Financial Protection Bureau's field hearing in Portland, Maine, on the issue of debt collection. The Consumer Financial Protection Bureau is an independent federal agency whose mission is to help consumer finance markets work by making rules more effective by consistently and fairly enforcing those rules and by empowering consumers to take more control over their economic lives. My name is Sixth Martinez. I am the Associate Director of External Affairs at the CFPB. Today's field hearing is being livestreamed on our website at consumer finance.gov, and you can follow CFPB on Twitter and Facebook. We will begin today's field hearing with remarks from Maine's Attorney General, Janet T. Mills; and the Superintendent of Maine's Bureau of Consumer Credit Protection, William Land. Next, the CFPB's Director, Richard Cor dray, will provide remarks on the Bureau's most recent work in the area of debt collection. Following Director Cor dray's remarks, Assistant Director Corey Stone will lead a discussion with a panel of experts on the topic of debt collection. Following the panel, we'll kick off the audience participation portion of the field hearing. This portion provides audience members with the opportunity to share their stories and your observations about what you are seeing and experiencing in consumer finance in your community. Today's audience includes community leaders, advocates, industry representatives, and, of course, consumers. We are pleased to welcome staff from the offices of Senator King, Congresswoman Ingres, Congressman Michael of Maine, as well as staff of the office of Congresswoman Shea-Porter of New Hampshire. Also, with us today are elected state and local officials and their staff from Maine, New Hampshire, and Vermont. Thank you all for joining us today. So let's get started. Our first speaker is Janet Mills, who was elected last year to serve as Maine's 57th Attorney General. This is not General Mills first time in the Attorney General Chair. In 2008, she was elected as Maine's 55th Attorney General and became the first woman to hold the office of Attorney General in Maine. Prior to her election as Attorney General, General Mills served in the Maine House of Representatives representing the town of Farmington in industry. She served on the Judiciary Committee, the Criminal Justice and Public Safety Committee, and the Appropriations Committee. She also taught in the Justice Studies program at the University of Maine-Augusta. During her time in office, Attorney General Mills has been on the forefront of consumer protection. Most recently, she announced last month that over 1,300 Maine citizens were going to begin receiving checks to compensate them for reconsigning abuses as part of the national mortgage settlement. Attorney General Mills, it is my pleasure to welcome you to today's field hearing. [Applause.] ATTORNEY GENERAL JANET T. MILLS: Thank you. Thank you, Ms. Martinez. Thank you...
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