“We, the thirty-one undersigned organizations, are writing this letter in response to the Senate Banking Committee’s request for proposals to foster and improve economic growth. Our purpose in submitting this letter is to urge the Committee to reject any measures which weaken or remove controls on irresponsible financial practices in the name of supposed benefits to economic growth. Hard-won experience demonstrates that such benefits, if they occur, are short-term and fleeting, while the harm done to long-run economic growth and community well-being by financial exploitation is massive and lasting.”