[Senate Hearing 114-915]
[From the U.S. Government Publishing Office]


                                                        S. Hrg. 114-915

                        OPPORTUNITY DENIED: HOW
                    OVERREGULATION HARMS MINORITIES

=======================================================================

                                HEARING

                                 OF THE
                                 
                   SUBCOMMITTEE ON OVERSIGHT, AGENCY
                       ACTION, FEDERAL RIGHTS AND
                             FEDERAL COURTS

                                 OF THE

                       COMMITTEE ON THE JUDICIARY
                          UNITED STATES SENATE

                    ONE HUNDRED FOURTEENTH CONGRESS

                             FIRST SESSION

                               __________

                            OCTOBER 6, 2015

                               __________

                           Serial No. J-114-32

                               __________

         Printed for the use of the Committee on the Judiciary
         
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-----------------------------------------------------------------------------------     
                           
                       COMMITTEE ON THE JUDICIARY

                  CHARLES E. GRASSLEY, Iowa, Chairman
ORRIN G. HATCH, Utah                 PATRICK J. LEAHY, Vermont, Ranking 
JEFF SESSIONS, Alabama                   Member
LINDSEY O. GRAHAM, South Carolina    DIANNE FEINSTEIN, California
JOHN CORNYN, Texas                   CHARLES E. SCHUMER, New York
MICHAEL S. LEE, Utah                 RICHARD J. DURBIN, Illinois
TED CRUZ, Texas                      SHELDON WHITEHOUSE, Rhode Island
JEFF FLAKE, Arizona                  AMY KLOBUCHAR, Minnesota
DAVID VITTER, Louisiana              AL FRANKEN, Minnesota
DAVID PERDUE, Georgia                CHRISTOPHER A. COONS, Delaware
THOM TILLIS, North Carolina          RICHARD BLUMENTHAL, Connecticut

            Kolan L. Davis, Chief Counsel and Staff Director
      Kristine Lucius, Democratic Chief Counsel and Staff Director

                   SUBCOMMITTEE ON OVERSIGHT, AGENCY
               ACTION, FEDERAL RIGHTS AND FEDERAL COURTS

                       TED CRUZ, Texas, Chairman
CHARLES E. GRASSLEY, Iowa            CHRISTOPHER A. COONS, Delaware, 
ORRIN G. HATCH, Utah                     Ranking Member
JEFF SESSIONS, Alabama               DIANNE FEINSTEIN, California
JEFF FLAKE, Arizona                  RICHARD J. DURBIN, Illinois
LINDSEY O. GRAHAM, South Carolina    CHARLES SCHUMER, New York
MICHAEL S. LEE, Utah                 SHELDON WHITEHOUSE, Rhode Island
DAVID VITTER, Louisiana              AMY KLOBUCHAR, Minnesota
                                     RICHARD BLUMENTHAL, Connecticut

          Thomas L. Jipping, Chief Counsel and Staff Director
       Ted Schroeder, Democratic Chief Counsel and Staff Director
                           
                           
                           C O N T E N T S

                              ----------                              

                           OPENING STATEMENTS

                                                                   Page

Cruz, Hon. Ted...................................................     1
Coons, Hon. Christopher A........................................     4
Leahy, Hon. Patrick
    Prepared statement...........................................    95

                               WITNESSES

Alford, Harry C..................................................    18
    Prepared statement...........................................    89
    Responses to written questions...............................    97

Barrera, Michael.................................................     6
    Prepared statement...........................................    42
    Responses to written questions...............................   100

Loving, Sabina...................................................    14
    Prepared statement...........................................    82
    Responses to written questions...............................   103

Mair, Aaron......................................................    16
    Prepared statement...........................................    85
    Responses to written questions...............................   106

Narang, Amit.....................................................     8
    Prepared statement...........................................    48
    Responses to written questions...............................   111

Sandefur, Timothy................................................    11
    Prepared statement...........................................    63

Scott, William C.................................................    13
    Prepared statement...........................................    75

                                APPENDIX

Items submitted for the record...................................    41

 
                        OPPORTUNITY DENIED: HOW
                    OVERREGULATION HARMS MINORITIES

                              ----------                              


                        TUESDAY, OCTOBER 6, 2015

                              United States Senate,
 Subcommittee on Oversight, Agency Action, Federal Rights, 
                                         and Federal Courts
                                Committee on the Judiciary,
                                                    Washington, DC.
    The Subcommittee met, pursuant to notice, at 2:23 p.m., in 
Room 226, Dirksen Senate Office Building, Hon. Ted Cruz, 
Chairman of the Subcommittee, presiding.
    Present: Senators Cruz [presiding], Hatch, Coons, and 
Klobuchar.

              OPENING STATEMENT OF HON. TED CRUZ,

             A U.S. SENATOR FROM THE STATE OF TEXAS

    Chairman Cruz. This hearing will come to order. Good 
afternoon. Welcome. I would like to welcome our distinguished 
panel of witnesses for joining us today. Very glad to have you.
    In his very first inaugural address, President Thomas 
Jefferson defined good government as one that ``shall restrain 
men from injuring one another'' and ``shall leave them 
otherwise free to regulate their own pursuits of industry and 
improvement.'' This pro-liberty standard embraced by our 
Founding Fathers and the Constitution has served us well.
    Today, the United States stands as the most powerful and 
prosperous Nation in history, a beacon of hope to people 
throughout the world. There is a growing sense among many that 
our Nation is in decline.
    We have now seen years of sluggish economic growth, 
stagnant household income, the largest percentage of Americans 
not working since 1977, far too many people who have simply 
given up any hope of having a job, of starting a business, of 
having a future. Entrepreneurship, truly one of America's 
defining traits, is hurting badly. It is a tough time to own a 
small business in America today.
    The last several decades have seen a dramatic decline in 
the rate of business formation. Business deaths now outpace 
business births. That is a deeply troubling trend in our 
Nation, one that stands in direct opposition to the promise of 
America as a land where anyone can start with nothing and 
achieve anything.
    On top of that, the United States now ranks 46th in the 
world when it comes to the ease of starting a new business--
46th. That is hard to imagine. Why is that? What has gone 
wrong?
    We are here today to discuss a major part of the problem: 
Government overregulation. It is axiomatic that the larger and 
more intrusive Government becomes, the smaller and more docile 
we, the people, are forced to become. There is no greater 
obstacle to growth, to opportunity, and prosperity for all 
Americans than an invasive and bloated Government. Ronald 
Reagan understood this. ``It is no coincidence,'' he said, 
``that our present troubles parallel and are proportionate to 
the intervention and intrusion in the lives that result from 
unnecessary and excessive growth of Government.''
    The Federal Government and, sadly, many States no longer 
adhere to the Jeffersonian standard of leaving the people free 
to regulate their own pursuits of industry and improvement. 
Instead, they now seemingly regulate everything under the Sun.
    Fifty-five years ago, there were 13 regulatory Federal 
Government agencies. Today, there are over 70. Fifty-five years 
ago, the Code of Federal Regulations contained 23,000 pages--a 
sizable amount. Today, the Code of Federal Regulations takes up 
an astounding 175,000 pages and 235 volumes, all incredibly 
small print. Somehow the American people are expected to comply 
with 175,000 pages of regulations that no one person can even 
begin to understand.
    This figure dwarfs the number of statutes actually enacted 
by Congress, the body that the Constitution entrusted with 
making our laws. Federal statutes today take up over 40 volumes 
and 50,000 pages--about a quarter the length of the Federal 
Regulations.
    Although an inexact science, estimates of Federal 
regulations are estimated to increase costs up to possibly $2 
trillion a year. Is it any wonder we have the economic 
stagnation, so many millions hurting, when the Federal 
Government is putting $2 trillion a year of cost on small 
businesses, on those trying to create jobs and opportunity?
    Unfortunately, the media far too often writes off 
overregulation as a trifling issue because they believe it only 
concerns giant corporations, not everyday people. This hearing 
is about shining the light on the true people paying the price 
for Government overregulation.
    Truth be told, overregulation harms everyone, but it 
especially harms those who do not have the resources or 
political connections to get a special exemption, to have a 
lobbyist, to get a favor from Government, and far too often 
those are minorities--African Americans, Hispanics, single 
moms, people who are struggling but want to start a small 
business, want to stand on their own feet, want to provide for 
their family. The burden of Federal regulation makes it harder 
and harder and harder to do exactly that.
    Peter Kirsanow is the longest-serving member of the United 
States Civil Rights Commission. He is an African-American, and 
at a hearing very much like this, held 20 years ago, 
Commissioner Kirsanow said this: ``Regulations affect all 
businesses, but they have a particularly pernicious effect on 
small businesses, on businesses that are marginally 
capitalized, are labor-intensive, or are perceived as being 
credit risks. A disproportionate share of those businesses are 
owned by minorities and by Black Americans.''
    Unfortunately, 20 years later, overregulation remains and 
has become an even bigger obstacle to the success and 
prosperity of those who are struggling to achieve the American 
dream.
    Revenues for minority-owned small businesses still, 
unfortunately, lag behind revenues for nonminority-owned 
businesses. Yet minority-owned businesses must absorb 
regulatory costs of roughly $7,000 to $10,000 per employee, 
just like any other small business. What this means is that 
regulatory costs have a more severe impact on the bottom line 
of minority businesses than other businesses, making it more 
difficult for minority businesses to grow and hire more 
employees.
    The regulation epidemic in this country certainly has not 
translated into more jobs and prosperity for minorities, 
especially since President Obama has taken office. The median 
household income for African Americans and Hispanics, for 
instance, has remained virtually unchanged since President 
Obama was elected, meaning that there has been no recovery 
since the 2008 crash, and poverty rates for African Americans 
have gone up. African-American unemployment remains almost 
double that of nonminorities, as it has for over 50 years. 
There are together roughly a million fewer working-age African 
Americans and Hispanics employed today than when the President 
took office.
    Let me repeat that statistic. There are together roughly 1 
million fewer working-age African Americans and Hispanics 
employed today than when the President took office. That is 
roughly 1 million lives impacted, plus their children, plus 
their families, people who want to work, want to provide for 
their families, and yet are being denied that opportunity.
    It is estimated that for every additional $1 million that 
the Government spends enforcing its regulations, the economy 
loses 420 private sector jobs.
    Of course, it does not have to be this way. Curbing 
excessive Government regulation should not be a partisan issue. 
We should be able to find a way to stem the tide of red tape, 
to loosen the burdens on small businesses that are struggling 
to create opportunities, without weakening essential 
protections for our society. Not all regulations are bad. A 
wall of regulations descending from Washington on small 
businesses and crushing job creation is making it harder and 
harder for people who are struggling to achieve the American 
dream.
    I want to thank each of you for being here, and I look 
forward to your testimony. We have today seven witnesses.
    The first witness, Mr. Michael Barrera, a Kansas City-based 
attorney with over 30 years of business, legal, nonprofit, and 
Government experience. A graduate of Kansas State and the Texas 
Law School, he serves as the national economic prosperity 
manager for The LIBRE Institute, a nonprofit that promotes 
economic freedom in the U.S. Hispanic community. Before joining 
LIBRE, Mr. Barrera served as the president and CEO of the U.S. 
Hispanic Chamber of Commerce and prior to that as the National 
Ombudsman for the U.S. Small Business Administration.
    Our second witness is Amit Narang, an expert on the Federal 
regulatory process. A graduate of the University of 
Pennsylvania and the American University Washington College of 
Law, Mr. Narang is a regulatory policy advocate for Public 
Citizen, a nonprofit public interest organization founded by 
Ralph Nader.
    Timothy Sandefur is an Arizona-based attorney who 
specializes in economic liberty and constitutional law. A 
graduate of Hillsdale College and Chapman Law School, Mr. 
Sandefur currently serves as the principal attorney for the 
Pacific Legal Foundation, where he is the lead attorney in the 
PLF's Economic Liberty Project.
    William Scott is the CEO of Tristatz, LLC, a community and 
economic development consulting company in Selma, Alabama. 
Educated at Alabama State University and Troy University-
Montgomery, Mr. Scott is a former mayor and council member of 
the town of Mosses, Alabama, and a veteran of the United States 
Army. Thank you, Mr. Scott, for your service.
    Sabrina Loving is a Chicago-based small business owner. A 
graduate of Robert Morris College and Roosevelt University, Ms. 
Loving runs Loving Tax Services, Incorporated, a tax 
preparation service she started 5 years ago to assist 
individual and small business clients with their tax returns.
    Aaron Mair is the 57th president of the Sierra Club, one of 
the Nation's premier environmental organizations. He became a 
member in 1999 and has held numerous leadership positions 
within the organization since 2002.
    Henry Alford is a DC-based business leader. A former 
Wisconsin football player and Army officer--thank you for your 
service as well--Mr. Alford currently serves as president and 
CEO of the National Black Chamber of Commerce, which he founded 
with his wife, Kay, over 20 years ago. Prior to founding NBCC, 
Mr. Alford worked for several Fortune 100 companies.
    We will now have an opening statement from Mr. Coons.

        OPENING STATEMENT OF HON. CHRISTOPHER A. COONS,

           A U.S. SENATOR FROM THE STATE OF DELAWARE

    Senator Coons. Thank you, Chairman Cruz, and thank you for 
calling this hearing.
    The foundational principle underlying this hearing, that 
regulations are inherently harmful to business and our 
prosperity, I think is highly dubious. A previous Senate 
Judiciary Committee hearing in this very Congress examined this 
point, and evidence presented by the OMB suggests that major 
Federal regulations have a net benefit to our economy of 
between $130 and $800 billion measured over 10 years. That 
should not be surprising because, since 1981, every 
economically significant regulation is required to undergo a 
searching cost-benefit analysis before being put into effect.
    Rulemaking is also governed by the APA, the Administrative 
Procedures Act, which guarantees all stakeholders the 
opportunity to be heard, and courts have not been shy about 
striking down regulations that run afoul of rulemaking 
procedures or organic statutes, as evidenced by the Court's 
decision last term in Michigan v. EPA.
    Turning, though, to the precise topic of today's hearing, 
of this hearing, the impact of regulations on racial 
minorities, I would observe that the argument against 
regulation is too narrowly focused on looking at the acute 
costs of regulation and not sufficiently focused on the wide-
ranging benefits of regulating some private behavior to 
minimize injustice and to defuse externalities.
    The Civil Rights Act of 1964, for example, is thought of as 
civil rights legislation, which, of course, it is, but also a 
powerful piece of economic regulation because, prior to its 
enactment, businesses were free to exercise their economic 
liberty to refuse to do business with or hire minorities in 
much of the country, and many businesses did just that.
    Under the Voting Rights Act of 1965, the Department of 
Justice served as regulator for 48 years, using that law to 
block the implementation of some roughly 2,400 proposed 
discriminatory voting changes. When the Supreme Court struck 
down a key component of that law, doing away with much of the 
relevant Federal regulatory framework, unfortunately, several 
States then moved fairly quickly to enact their own regulations 
that have the effect widely of disenfranchising voters of 
color. Anti-equality voting regulations have been enacted to 
shorten voter registration, early voting periods, implement 
photo I.D. laws, and purge voter rolls of eligible minority 
voters.
    I am proud to cosponsor bipartisan legislation in this 
Senate, the Voting Rights Advancement Act, which would restore 
these critical Federal regulations in order to protect the 
rights of minorities to vote.
    Federal regulation then prevents discrimination in lending, 
housing, and education against minorities. In each area, 
regulation has improved the economic opportunities of African 
Americans and other racial minorities in America, 
notwithstanding the claims of civil rights opponents who stated 
they would interfere with economic liberty.
    In addition to these transformative laws, there is a host 
of other Federal regulatory structures outside the civil rights 
context that have, nevertheless, benefited the health, the 
safety, and the economic opportunities currently available to 
Americans of color.
    The Affordable Care Act, for example, has improved access 
to private health insurance for nearly eight million African 
Americans and four million Latinos who have gained coverage 
since passage of the law, decreasing the uninsured rate in the 
Hispanic community by roughly 27 percent. Thanks to the ACA, 
all Americans are today free from discrimination due to pre-
existing conditions or lifetime caps and fees associated with 
routine screenings.
    These improvements will ensure that the chronic rates of 
disease in minority communities, diseases like diabetes, heart 
disease, obesity, will have access to affordable and 
comprehensive health care coverage to address these challenges.
    Environmental regulations, which are often held up as prime 
examples of overregulation of business, protect us all, but are 
especially crucial to minority communities. Due to the vestiges 
of housing discrimination and a lack of economic opportunities, 
many minorities have no choice but to live in areas with very 
high levels of industrial and atmospheric pollution. In the 
South Bronx, for example, which is overwhelmingly Hispanic and 
African-American, asthma rates are four times the national 
average due to a heavy concentration of air pollution.
    A number of studies suggest minorities face 40 percent more 
exposure to a variety of toxic air pollution components--
sulfates, nickel, silicon, vanadium--which are linked to deaths 
from cardiovascular and lung disease. They are also exposed to 
much higher levels of other air toxics like aluminum, which is 
associated with low birth weight.
    Instead of asking if environmental regulations go too far, 
perhaps we should be asking in these circumstances and for 
these particular communities if they go far enough.
    The case that regulation harms minorities turns a blind eye 
to the manifold ways in which regulations have been used to 
promote equality and justice in health care and the 
environment, as I have already mentioned, but we could also 
consider workplace safety and payrolls, the ability to fight 
back as a consumer against unfair trade practices, and indeed 
in economic terms by producing a level playing field for all 
businesses.
    I look forward to a robust and sustained exchange of views. 
I join the Chairman in welcoming all the witnesses and thanking 
you for your service to our Nation in several cases and for 
being here today. You have a broad range of relevant 
experiences, and I look forward to that informing our 
discussion.
    If I might, I would like to briefly offer a special welcome 
to Mr. Scott on behalf of your Representative in Congress and 
my friend, Congresswoman Terri Sewell, who has also joined us 
here today. I understand, Mr. Scott, you are a former staffer 
to Ms. Sewell and are currently a business leader in the Black 
Belt region. I join in stating that we can and must do more 
together to provide the minority business community with the 
tools necessary to succeed, and I look forward to a vigorous 
debate as to the role of regulations in doing so.
    Thank you, Mr. Chairman.
    Chairman Cruz. Thank you, Senator Coons.
    I would ask each of the witnesses to please rise. If you 
would raise your right hand. Do you affirm that the testimony 
you are about to give before this Committee will be the truth, 
the whole truth, and nothing but the truth, so help you God?
    Mr. Barrera. I do.
    Mr. Narang. I do.
    Mr. Sandefur. I do.
    Mr. Scott. I do.
    Ms. Loving. I do.
    Mr. Mair. I do.
    Mr. Alford. I do.
    [Witnesses are sworn in.]
    Chairman Cruz. You may be seated. Mr. Barrera, you may 
begin.

             STATEMENT OF MICHAEL BARRERA, NATIONAL

             ECONOMIC PROSPERITY MANAGER, THE LIBRE

                INSTITUTE, KANSAS CITY, MISSOURI

    Mr. Barrera. Thank you, Senator. Mr. Chairman and Members 
of the Committee and my fellow panelists, my name is Michael 
Barrera, national manager of Economic Prosperity for The LIBRE 
Institute, a nonpartisan, nonprofit organization that educates 
Hispanics on the importance of economic freedom. Thank you for 
your invitation to testify regarding the impact of Federal 
regulations on the minority community. I will focus my comments 
on the impact on small businesses and the Hispanic community.
    Americans are suffering under the crushing burden of 
overregulation, and I stress ``overregulation.'' In 2014, 
Federal regulations cost nearly $2 trillion through higher 
prices and lost productivity. In a 2008 report, the Small 
Business Administration found that small businesses, those with 
fewer than 20 employees, bore the largest burden of complying 
with Federal regulations, facing an annual cost of over $10,000 
per employee. This is 36 percent higher than large firms of 
more than 500 employees. It should be noted these were the 
costs 7 years ago and do not include the cost of compliance 
with the Affordable Care Act and Dodd-Frank. Federal 
regulations continue to grow as the number of pages in the 
Federal Register, as was pointed out, grew from 23,000 in 1960 
to over 175,000 today.
    Additionally, the NFIB reported that for 65 straight 
months, small business owners cited regulations as a top 
impediment to conducting business. Also, 21 percent of small 
businesses cite regulations as their single most important 
problem.
    The U.S. is also losing leadership in business startups as 
the growth of regulations contributed to the U.S. falling out 
of the top 10 worldwide rankings in the ease of starting a 
business. In fact, the World Bank found that it is easier to 
start a new business in Portugal, Romania, Panama, Hungary, and 
Belarus than in the U.S.
    One of the most disturbing statistics we found is that 
business failures now outpace business startups. From 1977 to 
2008, the number of new startups outpaced the number of failing 
businesses by about $100,000 a year. Startups lag behind 
closures. These trends concern the Hispanic community and our 4 
million businesses, many of which are family owned. Nationally, 
family owned businesses account for 50 percent of the U.S. GDP, 
60 percent of the country's employment, and 78 percent of all 
new jobs.
    Family--family business is also important in our community. 
Mass Mutual reports that 89 percent of Hispanic entrepreneurs 
started their business in order to provide financially for 
their family and 70 percent of Hispanic business owners plan to 
pass that business down to their family members. Additionally, 
31 percent of Hispanic entrepreneurs hire extended family, 
people like their siblings, their parents, their cousins, their 
aunts, and their uncles. As such, the impact of Federal 
regulations affect both business and family lives. As Federal 
regulations grow, so does the cost of doing business. This 
forces entrepreneurs and their families to make difficult 
choices. Do I spend my time and money complying with Federal 
and local mandates? Or, do I spend it managing and marketing my 
business, hiring new employees, or working to increase their 
wages?
    This testimony is not a blanket rejection of regulation. It 
is about overregulation. Elected and unelected officials must 
rededicate themselves to weighing the costs and benefits of 
each proposed rule before proceeding. This is the law. The 
burden of proof should be on the regulator to prove that a rule 
is necessary and will benefit our lives and help businesses to 
prosper, not on small businesses to prove otherwise.
    Sadly, something is truly amiss when unelected agency 
officials pass 16 new regulations for every law passed by you, 
our elected officials.
    In conclusion, small businesses employ close to two-thirds 
of American workers and must be more than a convenient talking 
point when policymakers discuss reviving our economy. 
Unfortunately, the vast majority of Americans and 
entrepreneurs, including Hispanics, will tell you Government 
rules and regulations are confusing, complex, time-consuming, 
and expensive. Moreover, many of our businesses are hesitant to 
contest, complain, unable to defend or advocate for themselves 
due to the expense, time, and in some cases the intimidation 
formed by Federal regulators.
    It is very important--I heard a great story in North 
Carolina where a small business talked about, ``Mr. Barrera, I 
cannot reproduce myself. The time I spend complying with 
Federal rules and regulations, I could be spending that 
personal time''--he is a personal trainer--``with my customers, 
researching new ways to help people become healthy. I spend 
time with Federal regulation.''
    Polls consistently show the economy and jobs are a top 
priority--in other words, how to achieve prosperity. I heard 
another story in Colorado from a business leader. He talked 
about Government and entrepreneurs' attitude. He summed it up 
this way: ``When elected officials talk about laws that they 
pass, that is all nice and good. I would rather they talk about 
the rules and regulations that they eliminated to make it 
easier to do business and to live my life.''
    We believe economic freedom, the rule of law, the free 
market, and a constitutionally limited Government--not 
excessive regulation or Government cronyism--are the pathway to 
prosper and the best way for each person to achieve their 
American dream. Thank you.
    [The prepared statement of Mr. Barrera appears as a 
submission for the record.]
    Chairman Cruz. Thank you, sir. Mr. Narang.

              STATEMENT OF AMIT NARANG, REGULATORY

        POLICY ADVOCATE, PUBLIC CITIZEN, WASHINGTON, DC

    Mr. Narang. Thank you. Chairman Cruz, Ranking Member Coons, 
and Members of the Subcommittee, thank you for the opportunity 
to testify today. I am Amit Narang, regulatory policy advocate 
at Public Citizen's Congress Watch. Public Citizen is a 
national public interest organization with more than 400,000 
members and supporters. For more than 40 years, we have 
successfully advocated for stronger health, safety, consumer 
protection, and other rules, as well as for a robust regulatory 
system that curtails corporate wrongdoing and advances the 
public interest.
    Regulation which has been adopted to protect the public has 
been among the greatest public policy success stories in our 
country's history. Regulations have made our air far less 
polluted and our water much cleaner. They have made our food 
and drugs safer. They have made our workplace less dangerous. 
They have made our financial system more stable when they have 
been in place. They have protected consumers from unsafe 
products and from predatory lending practices, and they have 
made our cars safer.
    For minorities in particular, regulations have made our 
society more equal and fair by outlawing discrimination in many 
contexts, by giving traditionally disenfranchised minorities 
the opportunity to vote and participate in our democracy, and 
by combating policies that expose minority populations to 
higher rates of pollution and environmental toxins.
    Indeed, the premise of this hearing has it exactly 
backward. Regulations have been crucial in providing basis 
rights and opportunities to minority that otherwise would not 
have existed. The story of regulation should not only be 
celebrated but also emulated going forward. While regulators 
deserve credit for these successes, the true credit goes to 
Congress who passed landmark legislation such as the Clean Air 
Act, the Clean Water Act, the Occupational Safety and Health 
Act, the Consumer Product Safety Act, the Civil Rights Act, and 
the Fair Housing Act, laws which gave regulators the authority 
to protect the public and make our country more equal and fair.
    On the other hand, when regulatory safeguards have not been 
in place, regulatory failure has occurred, and our country and 
economy has suffered. Deregulation of the financial industry 
led to the greatest recession since the Great Depression, 
costing our country $13 trillion and throwing millions out of 
work and their homes. A lack of adequate offshore drilling 
safety measures led to the British Petroleum oil spill in the 
Gulf of Mexico, one of the greatest ecological disasters in our 
country's history.
    Tainted food scandals, derailing and exploding oil trains, 
unsafe children's toys leading to injuries and recalls, 
chemical spills in critical waterways, oil and gas pipeline 
ruptures all share a common theme: underregulation of dangerous 
and unfair business practices due to a misplaced faith in 
industry's self-regulation.
    While it is true that we have made much progress as a 
country and that regulation has been critical to that progress, 
it is also clear that there is much progress to be made. This 
is why it is so important for Congress to avoid making the 
problem of underregulation worse and instead actively engage in 
efforts to fix what I agree is a broken regulatory system, a 
regulatory system that is broken in three ways, and the public, 
including minorities, is paying the price.
    First, our regulatory process moves far too slow when 
implementing new laws intended to protect the public. The 
examples of regulatory delay touch virtually every area of 
public protection. The new food safety regulations were 
finalized over 4 years ago--over 4 years after Congress 
demanded them. Up to a third of the new Wall Street reforms 
intended to prevent the next financial crisis still have not 
been put into place almost 7 years after the financial crash. 
Five years after the BP oil spill, and we still do not have 
safety measures in place to fix one of the primary causes of 
the oil rig explosion that led to the disaster. These delays 
are the status quo, not the exception, and are a concern across 
party lines and ideologies.
    This summer, the R Street Institute, a libertarian, free 
market-oriented think tank, looked back over the past 20 years 
to see how often regulators were able to meet deadlines 
established by Congress. The results were deeply troubling. 
Regulators missed congressional deadlines a shocking 50 percent 
of the time. Regulatory delay is central to the problem of 
underregulation.
    Second, our regulatory system does not have the authority 
and resources to effectively enforce violation of regulations 
by bad actors, leading to undercriminalization of white-collar 
crime. The public is deeply dissatisfied, and rightly so, that 
virtually no individuals or bank executives have been 
prosecuted in the aftermath of the financial crisis. Similar 
situations have unfolded in the wake of the General Motors 
ignition switch scandal. While GM has paid a fine, no 
individuals were held accountable, and the lead prosecutor even 
admitted that quote, ``there are gaps in the law'', unquote 
that made it difficult to prosecute individuals.
    Fines that are no more than the cost of doing business will 
not deter future illegal behavior that costs lives and costs 
our economy, and they will surely do nothing to change 
corporate cultures that lead to this wrongdoing.
    Finally, our regulatory system must adopt approaches to 
regulating that are precautionary in nature and seek to prevent 
threats to the public safety or our economy rather than simply 
reacting when something goes wrong. Here, Congress has taken 
promising steps in this direction, although more can be done.
    For example, the Food Safety Modernization Act shifted our 
food safety regulatory structure from trying to mitigate 
tainted food outbreaks once they occurred to actually 
preventing those tainted food outbreaks in the first place. In 
some respects, the Wall Street reform law, Dodd-Frank, adopts 
the same approach by requiring banks to be better capitalized 
and preventing them from engaging in risky activity. When 
passing new laws intended to protect the public, often in 
response to crises created by underregulation, Congress should 
be mindful of adopting laws that are designed to prevent 
crises, not just react to them.
    Unfortunately, Congress is considering legislation that 
would make the problems I just outlined worse. So-called 
regulatory reform legislation, better termed, ``deregulatory 
reform legislation,'' would further slow down the rulemaking 
process by adding numerous redundant and unfunded legal and 
analytical requirements, likely paralyzing rulemaking as a 
result. In certain instances, legislation will force the least 
costly rule to regulated industries, and we saw with the Wall 
Street crash that the least costly rules to Wall Street were 
the most costly to the public and small businesses.
    In terms of enforcement, the imposition of new mens rea and 
criminal intent standards will make it even harder and surely 
not easier to prosecute Wall Street and corporate executives 
for future crimes.
    Public Citizen stands ready to work with lawmakers across 
the aisle to make our regulatory system work effectively and 
efficiently for consumers, minorities, working families, and 
small businesses. Thank you.
    [The prepared statement of Mr. Narang appears as a 
submission for the record.]
    Chairman Cruz. Thank you very much. Mr. Sandefur.

            STATEMENT OF TIMOTHY SANDEFUR, PRINCIPAL

              ATTORNEY, PACIFIC LEGAL FOUNDATION,

                     SACRAMENTO, CALIFORNIA

    Mr. Sandefur. Thank you, Senator. I believe economic 
freedom is the greatest hope for the poor, for immigrants, and 
for members of minority groups who seek independence and 
success for themselves and their families. Whenever I think 
about this subject, I think of the story of Frederick Douglass 
who described in his autobiography what it was like to escape 
from slavery to New Bedford, Massachusetts, on the Underground 
Railroad. He said quote, ``The fifth day after my arrival, I 
went in search of work. On my way down Union Street, I saw a 
large pile of coal in front of a house. I went to the kitchen 
door and asked the privilege of bringing in and putting away 
this coal. I was not long in accomplishing the job, when the 
dear lady put into my hand two silver half-dollars. To 
understand the emotion which swelled my heart as I clasped this 
money, realizing that it was mine--that my hands were my own, 
and could earn more of the precious coin--one must have been in 
some sense himself a slave. I was not only a free man, but a 
free working man, and no master stood ready at the end of the 
week to seize my hard earnings'', unquote.
    Sadly, overregulation at the Federal, State, and local 
levels today deprive many Americans of this fundamental human 
right to economic liberty. I will give just two examples.
    Occupational licensing laws often force people to satisfy 
expensive and time-consuming educational requirements before 
they may pursue their trade. Florida, for example, requires 
people to have a college degree before they can work as an 
interior designer. In other words, it is illegal for someone to 
advise me on what color drapes to hang in my living room unless 
that person has spent two years in college at the cost of 
perhaps tens of thousands of dollars. Since Black and Hispanic 
Floridians are about a third less likely to have a college 
degree, this restriction makes it much harder for members of 
these groups to enter this trade.
    It may not sound like much to you and me to take an exam to 
get a license, but remember that, in addition to the degree 
requirement, exams are only administered a few times a year, 
sometimes far away from where people live, so they have to get 
transportation and a hotel room and pay the licensing fees. All 
of this helps make entry-level jobs off limits to those who 
need them the most. Minority entrepreneurs are less likely to 
have a license than their white counterparts, and licensing 
laws drive them into the underground economy where they cannot 
get loans or insurance or are subject to police harassment, 
cannot advertise openly, and in general are less likely to 
succeed.
    Yet licensing laws are on the increase. The White House 
reported in August, in a very thorough and long overdue report, 
that nearly a third of all jobs in America--that is, a third of 
the American dream--is now off limits without some form of 
Government permission.
    My second example is much worse. A certain kind of 
licensing law called a, ``certificate of public convenience and 
necessity'', or a ``competitor's veto law,'' which has nothing 
to do with whether a person is qualified or skilled or honest, 
but simply forbids people from operating a business unless they 
first get permission from the companies already operating. This 
sounds absurd, and it is. It is the law in most States and most 
major cities. These competitor's veto laws apply to a wide 
range of businesses, everything from taxicab and limo companies 
to moving companies, liquor stores, car dealerships, and 
hospitals. In all these industries, it is illegal to start a 
new business unless you first get permission from your own 
competition. Obviously, these laws create a cartel that can be 
very hard for members of minority groups to break into.
    Take my client, Maurice Underwood, for example. Maurice 
lives in Reno, Nevada, where he wants to start a moving 
company. Nevada has the most anticompetitive licensing laws in 
the Nation. There the law says that even if you are fully 
qualified and have a squeaky clean record, you cannot run a 
moving company unless you first prove that you would not 
compete against the existing moving companies in the State. To 
get a license, Maurice would have to provide detailed 
statements from potential customers, hire a lawyer, attend a 
hearing before the Nevada Transportation Authority, and prove 
to State bureaucrats that there is a public need for a new 
moving company, and that a new moving company would quote, 
``foster sound economic conditions,'' end of quote--whatever 
that means. Under such vague and anticompetitive restrictions, 
it is little wonder that people like Maurice find it hard to 
break into the old-boy network.
    We at Pacific Legal Foundation challenged that law, and 
that case is still pending in court. Federal courts today 
typically ignore violations of the right to earn a living. 
Although Supreme Court Justice William Douglas called it the, 
``most precious liberty that man possesses,'' courts today 
typically refuse to enforce that right and allow Federal, 
State, and local governments to restrict economic opportunity 
virtually without limit.
    This should not be a Republican-Democrat issue. I mentioned 
Justice Douglas endorsing this right, and he was about as a 
liberal as a Justice can get. Another liberal Supreme Court 
Justice, John Paul Stevens, warned in the 1980s of the danger 
of businesses using licensing laws to prevent competition 
against themselves.
    Like all restrictions on economic freedom, these laws have 
a disproportionate impact on members of minority groups because 
they lack the political influence necessary to get the 
Government to do their will. They turn to courts to protect 
their rights, and thanks to the theory of judicial restraint, 
courts typically cover their eyes and ignore these violations. 
That is what happened in Florida when courts refused to protect 
the rights of entrepreneurs who wanted to be interior designers 
and upheld that State's power to impose absurd and unnecessary 
licensing laws.
    In my written testimony, I have suggested ways Congress 
could, at today to protect the rights of America's wealth-
creating entrepreneurs. Most restrictions on economic liberty 
are at the State and local levels, and the 14th Amendment gives 
Congress the power to protect people against State governments 
violating their rights. Congress should forbid States from 
imposing unnecessary, burdensome licensing requirements on 
interior designers, for example, and abolish competitor's veto 
laws across the board. We would never tolerate such laws when 
it comes to freedom of speech or freedom of religion, and yet 
we tolerate them when it comes to the right to earn a living 
without unreasonable Government interference, the most precious 
liberty that man possesses.
    [The prepared statement of Mr. Sandefur appears as a 
submission for the record.]
    Chairman Cruz. Thank you, sir. Mr. Scott.

                 STATEMENT OF WILLIAM C. SCOTT,

           SENIOR CONSULTANT, EMERGING CHANGEMAKERS,

          AND CHIEF EXECUTIVE OFFICER, TRISTATZ, LLC,

                        MOSSES, ALABAMA

    Mr. Scott. Good afternoon, Chairman Cruz, Ranking Member 
Coons, and distinguished Members of the Judiciary Subcommittee 
on Oversight, Agency Action, Federal Rights, and Federal 
Courts. I am William Scott, and I serve as the president and 
CEO of Tristatz, a community and economic development 
businesses. We provide services to mid-tier and small 
businesses who provide service solutions to Federal, State, and 
local government, nonprofits, and commercial markets. I thank 
you on their behalf for giving me the opportunity to speak and 
appear before you about the organizations and their 
opportunities in America.
    I would be remiss to not acknowledge Hon. Terri Sewell of 
the 7th Congressional District of Alabama, who is my 
Congresswoman. For almost 11 years, I have focused my career on 
providing economic development and resources to small business. 
I am the host of the top-rated ``Small Business Radio Show'', 
and my name is ``The Business Doctor'', that reaches over 
150,000 people and the former mayor and councilmember of the 
town of Mosses in Lowndes County, Alabama. Over the years, I 
have worked for the United States Department of Commerce as a 
partnership specialist and as a Black Belt Outreach Coordinator 
for The Honorable Congresswoman Terri Sewell of the 7th 
Congressional District of Alabama.
    I have completed 12 years of dedicated and decorated 
service in the United States Army. Helping people and providing 
quality service is my primary goal in life. My diverse 
experience allows me to understand issues from multiple 
perspectives.
    Though I work with small businesses in economically 
distressed communities with majority Black populations, it is 
not just these entrepreneurs in Alabama that I represent. 
According to Fortune, the number of businesses owned by 
African-American women grew 322 percent since 1997, making 
Black females the fastest growing group of entrepreneurs in the 
United States.
    While some politicians say that Federal regulations are 
stifling small business growth, the statistics and I am here to 
tell you that that is not the case. A national poll conducted 
for the American Sustainable Business Council found that ``lack 
of demand''--and not regulation--is the biggest problem that 
small businesses face. Small business owners see regulations as 
a necessary part of a modern economy, 86 percent, and believe 
they can live with regulations if they are fair and reasonable, 
93 percent.
    I understand firsthand needs of Black entrepreneurs in our 
community, and I can tell you that regulations play an 
important role in meeting the needs of our businesses and 
protecting our communities.
    I am also the senior consultant for Emerging ChangeMakers 
Network in Alabama. Emerging ChangeMakers worked in the areas 
of leadership and social entrepreneur building among 
historically marginalized communities. We provide professional 
business consultation to developing and growing small business 
owners and to owners who believe that you do not have to choose 
between growing businesses and social and environmental 
protection.
    In fact, our businesses in Alabama understand that we do 
better because of these protections because they create a level 
playing field for competition. Much of our work involves 
accessing capital for our business clients. The success of this 
effort follows closely their own investment of personal and 
sweat equity. Therefore, our clients understand that there is a 
great need for good regulation like Dodd-Frank that protects 
their investment of hard work and money from the risky behavior 
of the big banks that led to the Great Recession, which 
devastated small businesses around the country.
    Our small business clients also know that the success of 
their businesses depends on the health of their communities. 
That is why regulations to protect our communities from 
chemical and environmental disasters, which disproportionately 
impact minority communities, is important to us. Environmental 
Protection Agency regulations are not stopping Black 
entrepreneurship. They protect our community so that our 
businesses can have a future. Regulations are needed to create 
the conditions under which society as a whole can prosper so 
their financial health and environmental protection can exist 
to support the growing economy.
    That is why I and Emerging ChangeMakers is a part of the 
larger efforts of the American Sustainable Business Council and 
over 250,000 businesses that they represent to advance smart 
regulations that protect our communities and the environment, 
as we grow our businesses, create good jobs, and build a 
vibrant economy.
    I am on the ground with Black entrepreneurs and small 
business owners every day. If you want to really help them, 
then provide more resources for professional business 
consultations to minority-owned businesses and provide more 
resources for compliance assistance and making sure that those 
small businesses providing services under Federal contracts get 
paid on time. Efforts to slow down regulation to deregulate are 
not being a friend to African-American small businesses. Thank 
you for the opportunity to be before you.
    [The prepared statement of Mr. Scott appears as a 
submission for the record.]
    Chairman Cruz. Thank you, sir. Ms. Loving.

        STATEMENT OF SABINA LOVING, PRESIDENT AND OWNER,

          LOVING TAX SERVICES, INC., CHICAGO, ILLINOIS

    Ms. Loving. I thank the Chairman and this Committee for the 
opportunity to testify today.
    My name is Sabina Loving. I am the owner and president of 
Loving Tax Services, an independent tax preparation firm on 
Chicago's South Side. I am the ``Loving'' in the Loving v. IRS 
lawsuit that successfully challenged an IRS power grab that 
would have posed national licensing on tax preparers.
    I am a small businesswoman trying to stay afloat in the 
economy while helping people with their tax preparation and 
building up my community. I should have the right to earn an 
honest living doing what I love, and so should my employees. 
Equally important, my customers--not the IRS--should be the 
ones who decide who prepares their taxes.
    You almost never hear the IRS or anyone else who advocates 
for tax preparer licensing talking about me or my co-plaintiffs 
when they talk about the Loving case. It is almost as though 
they forget that we are real people who were actually being 
harmed by the anticompetitive IRS licensing scheme. There are 
about 300,000 independent tax preparation entrepreneurs like 
me, many of whom would have been forced to close their 
businesses.
    Today, I would like to share my story with you to help you 
understand how overregulation affects real entrepreneurs like 
me, why I sued the IRS, and why Congress should not give the 
IRS new power to license tax preparers.
    I am a native of Chicago who is blessed to earn a living 
doing what I love: helping people with their taxes. In 2011, I 
opened my business, Loving Tax Services, on Chicago's South 
Side, where there are high unemployment and foreclosure rates. 
My business was the first to occupy its storefront in at least 
a dozen years. I have been fortunate enough to employ several 
people in my community and bring money back into our 
neighborhood.
    Ever since I was young, I wanted be an accountant and work 
with numbers. I dreamed of one day being able to start my own 
business. I worked hard to make my dream a reality. I worked 
full-time as an accountant for major financial firms for nearly 
a decade. The economic downturn hit my industry so hard, so I 
decided to take this as an opportunity to realize my American 
dream. I put myself to work as an independent tax preparer 
while earning a master's degree. I formed Loving Tax Services 
in 2010, and I never looked back.
    Tax preparation is a seasonal industry, and my business 
model depended on flexibility. Fortunately, I was able to find 
qualified people who could assist me seasonally. Just as my 
business was taking off, I learned that the IRS was going to 
force tax preparers to jump through a bunch of hoops in order 
to allow them to continue earning a living preparing taxes.
    For the first time in 100 years, the IRS was imposing a 
license to prepare tax returns. We would have to pass an IRS-
mandated exam and complete continuing education requirements 
each year. The license would give the IRS great control over 
tax preparers, making us dependent on the most powerful Federal 
agency for our livelihoods.
    It also imposed additional costs and burdens on my 
business, which I would have to pass on to my customers in the 
form of higher prices. I pride myself on offering lower prices 
than the major tax firms. I did not want to raise my prices, 
but I could not afford to make any lower profits.
    Higher prices meant fewer customers, but if my business 
shrank, I would not be able to hire people to help me during 
the tax season. That would put me at a competitive disadvantage 
to the major tax firms which were likely to get my customers I 
was going to lose.
    This licensing requirement did not apply to everyone. CPAs 
and attorneys were exempt, even if they had never taken a 
course in tax law or tax preparation. Even though I had a 
decade of experience in accounting, I was not a CPA, so I was 
not exempt. Powerful industry groups lobbied for another 
exemption. Anyone who was being supervised by an attorney or a 
CPS could also prepare returns without a license. I wanted the 
opportunity to hire more employees and supervise them as tax 
preparers so I could expand my business and serve more of my 
community. I did not write the rules, so I did not get a 
special exemption.
    I knew that this new license would not do anything to 
protect consumers. There are already all sorts of laws on the 
books that do just that. Instead, it protects big tax 
preparation chains and CPAs from competition by smaller 
businesses like mine, many of whom would have been forced to 
close or shrink their businesses. The end result would be fewer 
options and higher prices for taxpayers. That is why I sued the 
IRS, and I was represented pro bono by lawyers at the Institute 
for Justice. Thankfully, we won.
    The IRS and big tax preparation chains keep pushing for 
Congress to expand IRS power. After we won the case, several 
bills were introduced that would authorize tax preparer 
licensing. Just 2 weeks ago, the Senate Finance Committee 
announced one proposal. A national license for tax preparers 
was a bad policy then, and it is a bad policy now. It is 
anticompetitive, anticonsumer, and will hurt small businesses 
like mine. I urge the Senate not to give the IRS any more power 
and to vote against any bill that would authorize the IRS to 
license tax preparers. Thank you very much for this opportunity 
to testify.
    [The prepared statement of Ms. Loving appears as a 
submission for the record.]
    Chairman Cruz. Thank you, Ms. Loving, for that powerful 
testimony. Mr. Mair.

              STATEMENT OF AARON MAIR, PRESIDENT,

                  SIERRA CLUB, WASHINGTON, DC

    Mr. Mair. Chairman Cruz and Ranking Member Coons, thank you 
for inviting me here today to testify about the importance of 
environmental protections and public health safeguards in 
ensuring the safety and well-being of all Americans, especially 
the communities of color who carry disproportionate risk of 
harm caused by pollution.
    I speak today as the first elected African-American 
president in the 123-year history of the Sierra Club. The 
Sierra Club is the Nation's largest grassroots environmental 
organization with 2.4 million members and supporters. In 
addition to helping people from all backgrounds explore nature, 
the Sierra Club works to promote clean energy safeguard health 
in our community. It protects wildlife and it preserves our 
remaining wild spaces.
    In addition, I have been an advocate for clean water, clean 
air, and environmental justice for over 31 years, including 
work as a resident in Arbor Hill, Albany, New York, against a 
waste incinerator that was causing respiratory illness in the 
community.
    I am a father, a husband, and a public health analyst for 
the State of New York. Part of the reason I am here today is 
because some of the fossil fuel corporations are spending a lot 
of money to scare people of color and low-income families into 
believing that new clean air and clean water safeguards like 
the Clean Power Plan will hurt them. These corporations and 
their CEOs are terrified that holding dirty industries 
accountable would cut into their enormous profits. They want 
low-income and minority communities to think that these 
regulations will hurt us, but nothing could be further from the 
truth.
    Recently, the National Black Chamber of Commerce, an 
organization represented here today and heavily funded by the 
fossil fuel industry, released a bogus report claiming that the 
Clean Power Plan would hurt African-American and Hispanic 
communities. This is just the latest example of polluters 
desperately trying to confuse leaders of color and trick them 
into sabotaging their best interests and the interests of our 
communities by opposing this essential plan.
    Unfortunately, these dirty energy companies and those that 
amplify their information are jeopardizing the health of tens 
of thousands of kids across the country, and they should be 
ashamed. Fortunately, most of us are not buying what these 
companies are selling. Polls show that African Americans lead 
the country in support for tackling the climate crisis. A 
whopping 85 percent have said they want to see an international 
climate agreement. Similarly, the polls show that 90 percent of 
Latinos want to strengthen the Clean Air and Clean Water Act 
and 85 percent want to reduce smog and air pollution.
    It is no surprise that the opponents of the Clean Air and 
Clean Water Act are fighting against us at every step of the 
way, just as they have done with virtually every safeguard ever 
proposed--acid rain protections, Clean Air Act. We have heard 
the same talking points from the same industry. They said the 
sky was falling, but the truth is the air just got cleaner.
    What is shocking is the big way polluters are using smoke 
and mirrors to try and confuse communities of color. Big 
polluters desperately want Black and Hispanic voters to believe 
that the President's clean air protections will raise their 
electric bills and cost us jobs, when in reality the 
protections will save lives and actually lower these costs.
    At the same time, all that is going on, thanks to people in 
movements like Black Lives Matter and Fight for 15, the call 
for racial and economic justice is getting louder and stronger. 
While we are out on the streets fighting for equality, our kids 
are being poisoned by the air they breathe. Environmental 
injustices are taking Black lives.
    The overwhelming evidence shows that low-income areas and 
communities of color do not receive equal protection from 
environmental harm, despite suffering the greatest exposure to 
toxic pollutants. Lacking political power, these communities 
are frequently chosen as sites for polluting facilities or feel 
compelled to accept them as a source of jobs despite the health 
hazards they pose.
    I know this firsthand by my experience in shutting down the 
incinerator in Albany. Industry and local government brushed us 
off for 10 years, but through sheer persistence, we were able 
to prevail.
    Because these communities often lack access to adequate 
health care, community residents face an increased risk of 
respiratory and cardiovascular illness, cancer, birth defects 
that can last long after these facilities have ceased to 
operate.
    Despite the promise of jobs, such pollution actually causes 
economic harm, driving down property values and discouraging 
investment needed to keep communities healthy. Sadly, African 
Americans are more likely to live near environmental hazards 
like power plants and be exposed to hazardous air pollution, 
including higher levels of nitrogen oxide, ozone, particulate 
matter, and carbon dioxide while their white counterparts do 
not. The presence of these pollutants increase rates of asthma, 
respiratory illness, cardiovascular disease, and puts newborn 
babies at risk and causes missed days of work and school. We 
just cannot afford this.
    African-American kids already have the highest rate of 
asthma in the Nation, and our infant mortality rate is nearly 
double that of the national rate. Conditions in which we are 
born, grow, work, and live are determined by the difference in 
our health outcomes, and it is essential to recognize that 
these circumstances are shaped by the inequalities in the 
powers and the resources at the local and national and global 
levels. Helping disadvantaged communities succeed in the 
forefront of strong and just and a clean green economy will 
benefit them and all Americans.
    In closing, whether you are talking about new pollution 
protections against smog, carbon pollution, mercury, or other 
toxic metals that pollute our air and water, it is important to 
remember that nearly every major environmental public health 
safeguard, polluters have predicted dire economic outcomes that 
never actually will happen.
    We are living in an alternate universe if we seriously took 
every instance that they said that these regulations will be 
the most expensive regulations in history. We have got to look 
at the facts and not look at self-serving polluter propaganda. 
Thank you.
    [The prepared statement of Mr. Mair appears as a submission 
for the record.]
    Chairman Cruz. Thank you, sir. Mr. Alford.

                 STATEMENT OF HARRY C. ALFORD,

             PRESIDENT AND CHIEF EXECUTIVE OFFICER,

              NATIONAL BLACK CHAMBER OF COMMERCE,

                         WASHINGTON, DC

    Mr. Alford. Good afternoon, Chairman Cruz, Ranking Member 
Coons, and distinguished Members of the Subcommittee. My name 
is Harry C. Alford, and I am the president and CEO of the 
National Black Chamber of Commerce. The NBCC represents 2.4 
million Black-owned businesses within the United States, 140 
chapters within the United States, and we have over 80 chapters 
offshore representing 4 different continents. We are the 
largest Black business organization in the world.
    I am here to testify about the harmful and adverse effects 
of overregulation on minorities and their communities. As the 
hearing title suggests, the continuous stream of unreasonable 
and overreaching regulations that have come out of the Federal 
Government over the last few years has led to the denial of 
countless opportunities for minorities. Employment 
opportunities, income opportunities, and housing opportunities 
for minorities--all of these are being compromised by an ever 
growing number of Federal regulations.
    At the onset, I think it is important to be clear about 
something: The National Black Chamber understands and 
appreciates the importance of regulations within our society. 
Regulations help keep our workers protected, our water and air 
cleaner, our food safer, and our consumer products reliable, to 
name a few. What we do not support are regulations that are 
based upon erroneous and opaque analysis and process. The 
rulemaking process--and the regulations that come out of it--
should involve transparency, notice, sound science, quality 
data, and reliable cost-benefit analysis. Without a doubt, 
there are multiple new regulations that potentially will harm 
the economic opportunities of minorities; but for today's 
hearing, I am going to focus on two regulations from the 
Environmental Protection Agency to illustrate my point.
    First, there is the EPA's new rule on regulating greenhouse 
gas emissions from existing power plants--often referred to as 
the ``Clean Power Plan.'' While increased costs often come with 
increased regulation, the Clean Power Plan in particular seems 
poised to escalate energy costs for Blacks and Hispanics in the 
United States, including individuals, families, and minority-
owned businesses.
    In light of these concerns, the National Black Chamber of 
Commerce undertook an effort to examine the potential economic 
and employment impacts of the EPA's carbon regulations, 
including the Clean Power Plan, on minorities and low-income 
groups. On June 11, 2015, the National Black Chamber of 
Commerce released a study on the threat of the EPA carbon 
regulations to low-income groups and minorities. I note that 
since then, the EPA released the final Clean Power Plan rule, 
which has differences from the proposal. Nevertheless, we 
believe that the findings of our study are illustrative of the 
rule's potential economic impacts.
    The National Black Chamber's study found that the proposed 
Clean Power Plan would impose severe and disproportionate 
economic burdens on poor families, especially minorities. In 
particular, the proposed rule would impose the most harm on 
residents of seven States with the highest concentrations of 
Blacks and Hispanics. These communities also suffer from higher 
unemployment and poverty rates compared to the rest of the 
country, yet the EPA's regressive energy tax threatens to push 
minorities and low-income Americans even further into poverty.
    We have got statistics which you have written there. I am 
not going to go through those now. I want to move on to the 
National Ozone Air Quality Standard.
    The second regulation that I want to address today is that 
ozone proposed rule. Just last week, the EPA finalized a new 
ozone standard--tightening it from 75 parts per billion to 70 
parts per billion. While the agency adopted the higher end of 
the range under consideration, a 70 ppb ozone standard still 
will increase the number of areas in the country in 
``nonattainment.'' This nonattainment classification will 
severely limit economic and employment opportunities in the 
affected areas. Unfortunately, this tightened ozone standard 
likely will hurt not only the Nation as a whole, but will 
disproportionately affect America's urban, low-income, and 
minority businesses.
    If a community comes in below the 70 parts per billion, it 
will be deemed ``in attainment,'' and the usual amounts of 
construction, infrastructure projects, development, and other 
elements of a healthy and growing economy can continue. These 
activities create jobs and generate revenue. On the flip side, 
the EPA wields a heavy stick for communities that are deemed in 
``nonattainment.'' It can step in and overrule State decisions 
to issue permits, stopping development and growth, with no 
consideration of the financial impact or loss of jobs. Air 
permits, in particular, can be difficult to obtain because 
companies building or expanding facilities will have to show 
ozone reductions from other sources. These offsets can be 
expensive and hard to obtain. For example, in the Houston area, 
offset prices are $175,000 per ton of nitrogen oxide and 
$275,000 per ton of volatile organic compounds.
    In conclusion, the National Black Chamber of Commerce and 
its members value and support clean air, clean water, and 
environmental quality, and we recognize the importance of 
regulations protecting those things. We also value and support 
economic growth, job creation, and prosperity for our 
individual members and this country as a whole. These are not 
mutually exclusive goals, and one does not have to be 
sacrificed for the other.
    We appreciate the Committee holding this hearing and 
highlighting these critical issues. Thank you for the 
opportunity to testify, and I look forward to answering any 
questions. The National Black Chamber of Commerce is going to 
roll on and make this a better and better Nation. Thank you.
    [The prepared statement of Mr. Alford appears as a 
submission for the record.]
    Chairman Cruz. Thank you, Mr. Alford. I want to thank each 
of the witnesses for your very fine testimony. I think this 
hearing has powerfully illustrated that many of the people 
paying the biggest price for the economic stagnation we have 
seen for the last 6\1/2\ years are the most vulnerable among 
us; that overregulating is stifling opportunity for people who 
want to achieve the American dream.
    Indeed, the numbers are sobering. If you compare overall 
median income in this country in 2009, it was just over 
$54,000. In 2013, it had dropped to $51,939. That is a decrease 
for the average family of $2,120, or 4 percent, median income 
has gone down. I would contrast that to what occurred during 
the 8 years of Ronald Reagan's administration when the Federal 
Government did not engage in overregulation, and, indeed, 
President Reagan pulled back the regulatory burden on small 
businesses. During those 8 years, median income for the average 
American family increased $5,555, or 12 percent. That is a real 
difference for an average family, whether your household income 
drops four percent or goes up 12 percent.
    Indeed, the contrast is even starker when you look at 
minority households. Under President Obama, between 2009 and 
2013, the median income for African-American households has 
dropped $789, roughly 2.2 percent. In contrast, under President 
Reagan, between 1981 and 1989, the median income for African-
American households rose $5,008. That is 18 percent.
    It is worth thinking about for everyone here who is 
concerned about allowing those who are struggling to have an 
opportunity to achieve the American dream, the marked 
difference for Black families, your median income dropping 2.2 
percent versus rising 18 percent under Reagan's economic 
policies.
    Looking to the Hispanic community, under President Obama 
the median income for Hispanic families has dropped between 
2009 and 2013 $349, roughly 0.8 percent. In contrast, under 
President Reagan, between 1981 and 1989, the median income for 
Hispanic families rose $2,160, roughly 5.7 percent. These 
policies make a real difference in the lives of millions of 
Americans who are struggling. An extra $5,000 a year for a 
family that is trying to make ends meet makes an enormous 
difference.
    I would note in the Hispanic community there are roughly 
2.3 million Hispanic small business owners, roughly 1 in 8 
Hispanic households is a small business owner. This is 
something I know personally because my household was one of 
them. My father, who came as an immigrant from Cuba with 
nothing, with $100 in his underwear, who could not speak 
English, who washed dishes making 50 cents an hour, he and my 
mother, when I was a little boy, they started a small business 
together. The Hispanic community is a tremendously 
entrepreneurial community, and yet these barriers are making it 
harder and harder for Hispanics and African Americans and 
anyone who wants a better dream, a better opportunity for their 
family to start small businesses and to survive.
    Mr. Barrera, as the former president of the U.S. Hispanic 
Chamber of Commerce, can you describe some of the challenges 
that your members faced in dealing with regulations, red tape, 
and Government bureaucracy?
    Mr. Barrera. Thank you, Senator, for the question. I 
believe a lot of them are facing what we are calling this 
``overregulation.'' I know I have heard people talk here today 
about regulation that everybody is against. I do not think that 
is what we are saying. What we are saying is overregulation is 
killing initiative. It is killing people to go and achieve much 
more.
    What we have seen from the Hispanic community, a lot of 
them are being forced to open businesses because they do not 
have jobs. Many have become part-time workers, and they need to 
go into business in order to survive. Most of them want--most 
people, they want to comply with the rules and regulations. 
They do not want to cheat. They want to do the right thing. It 
is becoming so confusing nowadays that they do not know which 
way to turn. They want to be able to provide for their families 
and be a great business and be a great partner with their 
customers. They spend so much time, like some of the examples 
we heard today, trying to comply and not make any mistakes. 
They do not know which way to turn. One of the best examples I 
can say that they have problems with, ``Do I need to get a 
lawyer? Do I need to get an accountant? Do I need to go to 
Washington, DC? I do not have money for any of that. I need to 
be able to do business.''
    That is probably the best way to respond to your question 
at this point.
    Chairman Cruz. You know, one of the things I have tried to 
do in my time in the Senate is host small business roundtables 
across the State of Texas, bring small business owners and 
listen to their concerns. Every one of these roundtables, I 
just open it up and say, ``Share the biggest issues that are 
weighing on your heart, the biggest challenges you are 
facing.'' I have never held a small business roundtable in the 
State of Texas where at least half of the small business owners 
did not list Obamacare as the single biggest impediment to 
their small business surviving and creating jobs, the 
consistency with which small business owners say that over and 
over again. Of course, small businesses produce two-thirds of 
all new jobs, so if small businesses are being hammered, that 
in turn has a direct result on the jobs that are available to 
people.
    One study by the American Action Forum finds that Obamacare 
is reducing small businesses between 20 and 99 employees pay, 
the salary you are taking home, by at least $22.6 billion 
annually, and that the laws, regulations, and increasing 
premiums have reduced employment by more than 350,000 jobs 
nationwide.
    In Texas, for example, the study finds that workers and 
businesses with 50 to 99 workers are seeing upwards of $1,000 
less in take-home pay and a nearly 20-percent increase in 
premiums because of Obamacare. Texas small businesses with 20 
to 49 employees have shed nearly 30,000 jobs since Obamacare 
came into effect.
    Mr. Barrera, can you talk about the impact of Obamacare on 
small businesses?
    Mr. Barrera. We have seen the same thing. In fact, there 
was a business in Texas, a restaurant owner. He actually forgo 
opening a second restaurant because of the expenses of 
Obamacare. It is not because they do not want the people 
insured, but the way it was written, it is so confusing for 
people, and nobody has been able to find this answer: Why did 
we drop the work week from 40 hours to 30 hours? Small 
businesses are not dumb. They are there to make a profit. When 
you start raising the cost of hiring people and imposing more 
costs like Obamacare on them, they are going to find another 
way to cut costs. As we all know, businesses, when they want to 
cut costs, they cut employees. Like it or not, that is what the 
first expense they are going to do.
    I would like to know, and I think a lot of businesses I 
talk to, they would like to know why did we drop the hours from 
the 40-hour work week to the 30-hour work week? Because that is 
all it has done, is hurt more people and cause more part-time 
jobs. The scariest thing are the children and the teenagers, 
because now because we have got a lot of retirees and people 
who used to work full-time, they are now part-time, which has 
pushed out the youth. That has hurt a lot of people.
    Chairman Cruz. Ms. Loving, I want to thank you for your 
particularly powerful testimony. That is testimony I think 
every American should watch. The nightly news should put your 
testimony on television because it tells a uniquely American 
story of struggling to create a business and facing powerful 
interests coming against you.
    I want to ask you, Ms. Loving, who gets hurt by 
overregulation and by occupational licensing laws putting 
barriers to forming a small business?
    Ms. Loving. Thank you, Senator Cruz. The consumers get hurt 
because it creates barrier to entry for small businesses. 
Bigger firms can absorb costs, where an extra $1,000 to my 
bottom line is significant because I am dealing with a limited 
number of resources. If there is not enough competition, then 
consumers are stuck with the big firms. They have fewer 
choices. There are fewer options, and it becomes a monopoly of 
sorts. They have no other options but to pay exorbitant fees 
for tax prep fees that really do not do anything special for 
them at all.
    Chairman Cruz. You mentioned also that these regulations 
benefited the rich and powerful, those with lobbying influence 
in Washington, those who had law degrees or accounting degrees. 
For someone that wanted to start a small business in the South 
Side of Chicago, you did not have the same lobbyists working on 
your behalf.
    Ms. Loving. I do not have the same resources, so, 
therefore, I do not have people coming to Congress and talking 
to the elected officials on my behalf. It's just me, and there 
are 300,000 other people just like me.
    Chairman Cruz. Thank you for telling your story, and thank 
you for standing up to the power of Government and the power of 
big money and lobbying trying to put barriers in the way to 
your starting your business, your creating jobs, and your 
helping your community.
    Ms. Loving. I appreciate being invited.
    Chairman Cruz. Mr. Alford, I want to ask a final question.
    Mr. Alford. Yes, sir.
    Chairman Cruz. The National Black Chamber of Commerce, you 
described a study that you recently did on the EPA's climate 
change regulations, and, in particular one result of that study 
caught my attention, which is that the National Black Chamber 
of Commerce concluded that the EPA's new rules could cost as 
many as 125,000 African Americans in Texas their jobs and an 
even more astounding 325,000 Hispanics in Texas their jobs. 
Those are staggering numbers, and those are numbers in the 
minority community.
    Mr. Alford. Yes, sir.
    Chairman Cruz. People that want to have a fair chance to 
achieve the American dream. Mr. Alford, what would you suggest 
that a politician who supports these rules say to the 125,000 
African Americans in Texas who will lose their jobs under them, 
to the 325,000 Hispanics who will lose their jobs, how should a 
politician justify his or her support for rules costing them 
their likelihood?
    Mr. Alford. Honestly, I want to be honest and looking at it 
as it is, for what it is, and smile or try to justify it. There 
are 10 million nationally, 10 million jobs nationally, and we 
have not rebounded from 2008. People who get billions of 
dollars from environmental organizations, and we have to scrub 
along and, you know, make $20,000 here, $20,000 there, but we 
carry the weight. One of the strangest thing that happened, 
sir, last week I was in Paris working on a plan with our Paris 
chapter to where we have got a $80 billion commitment from some 
philanthropists in France that are going to fund electrical 
projects in Africa. We are going to do this with the African-
American contractors, engineers, infrastructure, and take it 
over to Africa and start lighting up the villages and such.
    The interesting thing is, though, the French are very 
strong on the Kyoto Treaty, very strong on environmentalism, 
but their approach is if it cannot be done, it cannot be done. 
We have to wait until the technology catches up. They do not 
put a gun to your head and say, ``You have got to do this or go 
out of business.'' That is what I thought was very interesting, 
that they have a common-sense approach to it. We are going to 
put in a clean Africa electrical grid, and we are going to be 
friendly to the Earth. If we tried to do that here in this 
country under our rules, they would stop us dead in the tracks.
    Chairman Cruz. Thank you, sir. Senator Coons.
    Senator Coons. Thank you, Chairman Cruz. I am going to 
defer my questioning to Senator Klobuchar given the press of 
her time and schedule, if I might.
    Senator Klobuchar. Thank you very much, Senator Coons, and 
thank you, Chairman Cruz, and thank you, Senator Hatch. As I 
look at Senator Coons and Senator Hatch, I think about the 
regulatory work we have done together since I have gotten here. 
I represented businesses for years in the private sector on 
regulatory issues, so I understand some of the issues you are 
talking about, Mr. Alford, and that is why Senator Coons and I 
teamed up on doing something on the Foreign Corrupt Practices 
Act, on immigration, and Senator Hatch and I have done a lot of 
work with medical devices and trying, not only on the tax side 
but also the regulatory side, to make it easier for our 
businesses.
    At the same time, as a prosecutor and then as a mom, I have 
seen how you need some regulations in place to protect the 
safety and health of our citizens, to protect our clean air and 
water, whether it is working on lead in children's toys--which 
I know you are aware of, Mr. Mair, a bipartisan bill that we 
passed, the formaldehyde work I did with Senator Crapo--that 
there are times when you need regulations in place to protect 
the people that we are supposed to be representing.
    Mr. Narang, I think I would start with you in terms of, if 
you want to talk just very briefly about an example of 
regulations that you think have helped people, that you think 
is important for the minority communities.
    Mr. Narang. Sure. Thank you, Senator. I want to refer to a 
current topic and a current issue of concern for minority 
communities, and that is predatory lending. We are seeing 
higher rates of predatory lending abuse of minorities than the 
general public, and that should be a concern. I know it is a 
concern for the minority community. I am glad--and Public 
Citizen supports strong measures from the Consumer Financial 
Protection Bureau that will address predatory lending schemes 
that are costing minorities sometimes their likelihoods. They 
are definitely resulting in significant costs to our economy.
    Senator Klobuchar. I guess that is a good segue to Mr. 
Scott, because as I was hearing Senator Cruz talk about some of 
those economic numbers, I think we know that part of the 
difficulty was during a recession that minorities were 
inordinately hit with foreclosures and other things because of 
what was going on in the financial industry. Do you want to 
comment either on that or what you see as some rules that would 
be helpful to the minority community in terms of business as an 
entrepreneur yourself? I really want to ask what it was like 
working for Congresswoman Sewell, but I will leave that for 
later. Go ahead.
    Mr. Scott. Sure. I think that there are regulations that 
help us, you know, that work along with business owners, that 
are not stifling or that are holding businesses back in any 
kind of way, but that help with clean food. Since I, a lot of 
times deal with farmers, and a lot of times we deal with 
putting seeds in the ground that have nourishment toward coming 
into our bodies, and having regulations in place that require--
and having those nutrients in place, they help with our life as 
a whole, because if we do not have things in place, we will not 
actually be here today. I look at, too, within--looking in this 
room, we have wood that is in here, that this building, this 
table, and everything that is made out of wood. Without 
regulation, would we have clean wood in here or would it be 
contaminated? The carpet that we walk on, would the carpet be 
the quality that it is, or would it just tear up as soon as it 
is put down?
    I think that those regulations, when working along with 
business owners, can be something that is beneficial to 
everybody.
    Senator Klobuchar. Thank you. Mr. Mair, I think we have 
seen the studies and the numbers and you brought them up about 
how minorities are inordinately hurt by environmental problems 
or toxic waste sites and things like that. Do you want to 
elaborate on that?
    Mr. Mair. Yes. Again, the question was: Who gets hurt? Who 
gets hurt happens to be the very communities that folks are 
here claiming that this so-called policy or proposal would 
benefit. It is a cruel irony. You know, 7 out of 10 African 
Americans live in areas that are unsafe and were three times 
more likely to be admitted to hospitals for asthma. More 
importantly, when we talk about what are the benefits of the 
Clean Power Plan, we are talking about a $54 billion estimated 
worth in public health benefits and climate benefits. We are 
talking about 3,600 fewer premature deaths. We are talking 
about 90,000 fewer asthma attacks in children, 1,700 heart 
attacks, 1,700 fewer hospital admissions. When we are talking 
about benefits, the benefits are real and tangible. The data, 
again, support this.
    Senator Klobuchar. Thank you so much. Just two last things 
I wanted to mention. One, I will not go into it. Maybe I will 
ask you about it later in writing. Senator Collins and I last 
year introduced something called the ``SCORE Act''--she is a 
Republican Senator from Maine--to look back 5 years later at 
some of these rules and regulations to see how they have, you 
know, affected the economy and ways to look and see if we need 
to make changes, to look at things in a measured way. I would 
ask you to look at that.
    I guess I just wanted to end with one set of rules that I 
think cries out for change, and that is, immigration reform. I 
know that the Hispanic Chamber, in which you are involved, has 
been a supporter, as well as the Chamber of Commerce in 
general, and we worked really hard on the Senate bill. 
Particularly Senator Hatch and I worked on this issue of 
entrepreneurs and bringing in entrepreneurs. The fact that 90 
of our Fortune 500 companies were formed by immigrants, 200 of 
them were formed by immigrants and kids of immigrants, 30 
percent of our U.S. Nobel Laureates were born in other 
countries, yet we literally allow for unlimited visas for Wild 
hockey players. You may not cover our team, Mr. Barrera, or be 
a fan, but that is our professional hockey team. All the hockey 
players can come in from Canada, but the Mayo Clinic cannot 
bring in a doctor because their spouse cannot work for 7 years, 
or 3M cannot bring in an engineer. I just wondered if quickly 
you two on either end here could just comment on your views on 
getting immigration reform done from that entrepreneurial 
standpoint.
    Mr. Barrera. I think when it comes to workers, we have to 
improve our legal immigration system, and we need reform. I do 
not think anybody here would deny that. We need to work on 
legal immigration so we get the best workers. This is a country 
of immigrants, so we agree that we have to have some kind of 
immigration reform that takes into account getting the workers 
that the businesses need. Whether they be hockey players or 
people in the agriculture, we need to have immigration reform, 
and the LIBRE Institute stands ready to assist in any type of 
reform.
    Senator Klobuchar. Mr. Alford.
    Mr. Alford. America is not--what we need is a program that 
is logical and people can follow and have some integrity about 
it. Eighty percent of the Black retail businesses in New York 
City are owned and operated by the Africans or Caribbeans. They 
come to work, they come with their skills, and we should 
welcome them with open arms.
    Senator Klobuchar. Okay. Thank you very much. I also would 
note it is one of Grover Norquist's top priorities because it 
brings the debt down so significantly if we pass comprehensive 
immigration reform. I will leave you with that note. Thank you 
for being here.
    Chairman Cruz. Thank you very much. Senator Hatch.
    Senator Hatch. Thank you, Mr. Chairman. Mr. Barrera, I will 
direct this question at you, but I want to make a few comments 
before I actually form the question.
    Federal regulations today impose by some estimates a burden 
of about $1.88 trillion on the economy. That is roughly $15,000 
for every single household in this country. It is more than 
corporate and individual income taxes combined. Too much 
regulation, especially too much outdated regulation, means 
higher prices, smaller paychecks, and fewer jobs for 
hardworking Americans. We know that the communities that are 
struggling the most with the costly rules that I think this 
administration and Washington bureaucrats keep piling up are 
the ones that can least afford to do so.
    Every President since Jimmy Carter has agreed on the need 
to review our regulatory burden to make sure that it is no more 
intrusive and burdensome. That is absolutely necessary. 
Nevertheless, regulations keep accumulating year after year. 
The Code of Federal Regulations is now more than 175,000 pages 
and contains more than 200 volumes. According to a study by the 
American Action Forum, the Obama administration's efforts to 
review old rules actually added more than $23 billion in costs 
to the economy and nearly 9 million hours of paperwork.
    To turn this long-standing bipartisan commitment to 
streamline our regulatory burden into a reality, we need to 
take the responsibility of clearing out all regulations away 
from the bureaucrats who keep failing at the job. That is why I 
have introduced the SCRUB Act, which uses the successful model 
of the independent BRAC Commission and applies it to get rid of 
a big chunk of regulatory overreach and burden.
    I just wonder if you agree with me that, far from providing 
small businesses with relief from our crushing regulatory 
burden, the Obama administration's regulations have made the 
business environment much more challenging, especially for 
minority-owned businesses. Do you agree with me that simply 
relying on Washington bureaucrats to get rid of their own bad 
regulation is like asking the proverbial bunch of foxes to 
guard the chicken coop?
    Mr. Barrera. Thank you for your question, Senator. I think 
what most minority businesses and businesses in general--you 
know, we used to talk about--my dad used to like to talk about 
this. He goes, you know, ``When you work with Government, I do 
not want your handout. I am not even concerned about your hand 
up. I do not even want your handshake when it comes to 
regulators. I just really want you to get out of my way because 
I want to have the freedom to do business the best way I can.'' 
Regulators, like we talked about, for every law passed, they 
pass 16 new regulations for every law passed. How can people do 
that? They keep piling on one and the other. I can almost 
guarantee you that any law that we have now, it is already 
there. We do not need to go do more and do not need any more 
new regulations, because I can guarantee you, it is already 
there.
    I do agree that we need to go in and see what we have so we 
know what we have got to get rid of. I think one of the best 
quotes I ever heard is from Colorado. You know, it is all fine 
and great when we pass new laws, but come and tell me what you 
got rid of, because the more you get rid of, that gives me more 
freedom to do business.
    I think everybody on this panel would agree we are not 
against regulation. We want clean air. We want safe food. 
Nobody is against that. It is the overregulation that is really 
depressing the freedom and spirit and ingenuity and hard work, 
attitudes of true Americans to prosper. We have talked about 
some of the other things going on here. A lot of the problems 
that we have here are due to poverty. Poverty occurs because 
there is no economic ability to get out of poverty. If you keep 
depressing businesses, particularly small businesses, to 
prosper, you are only going to hurt poverty, and we need to 
work on that.
    Senator Hatch. Thank you. Mr. Sandefur, we have heard 
extensive testimony about the explosive growth of Federal 
regulations and their troubling effect on economic opportunity, 
especially in minority communities. Despite these harmful 
effects, regulations keep piling up, as both Mr. Barrera and I 
have been saying, making the situation worse and worse with 
each passing year.
    This massive accumulation of regulations is due in large 
part to the fact that the current process by which agencies 
make regulations is utterly broken, from curtailing the 
opportunity for meaningful input by the public to flouting the 
legal requirements for transparency and accountability.
    Given this mess, the courts are often the only practical 
means of holding this out-of-control bureaucracy accountable. 
Doesn't excessive deference by courts to agencies critically 
limit that opportunity to hold the agencies accountable? 
Instead, hasn't this deference allowed the agencies to expand 
the scope of their power dramatically, allowing them to pile up 
more and more damaging regulations?
    Mr. Sandefur. Oh, yes, Senator, absolutely. The problem is 
that courts defer so excessively to the administrative agencies 
that agencies have become basically a fourth branch of 
Government, unelected, hired--many of these administrative 
agencies are staffed by members of Government unions so you 
cannot even fire them if you have to--who write regulations, 
investigate potential violations of those regulations, and then 
punish people for violating those regulations in violation of 
the constitutional principle of separation of powers. Courts 
not only defer to their decision-making in general, but they 
defer to their findings in ways that violate basic rules of due 
process.
    For example, a lot of the time administrative agencies will 
hold informal hearings, and the evidence that they are allowed 
to receive--they are not bound by the Federal Rules of 
Evidence, and so they can receive evidence like hearsay, for 
instance, which would be barred from a courtroom. Then when you 
challenge, when you appeal from the administrative agency--and 
you are always going to lose in front of the administrative 
agency because the prosecutor is paying the judge, right? When 
you appeal to the court, a lot of the time--this is especially 
true of State courts--the courts are locked. They are not 
allowed to receive any more evidence than what the 
administrative agency already received. Evidence that would 
never have been admitted in a courtroom, like hearsay evidence, 
becomes the only evidence that the judge is later able to 
consider when he considers the appeal. That is in violation of 
basic principles of due process.
    We need a judiciary that is more skeptical toward 
administrative agencies that are unelected agencies, that enjoy 
often extremely broad power to regulate in whatever they think 
is the public interest without any checks and balances. That is 
what the courts are supposed to provide, and, unfortunately, 
they have fallen short many times.
    Senator Hatch. I have gone over my time, but let me just 
make one comment. You know, it is said by many people that the 
D.C. Federal District Court and the Circuit Court of Appeals 
are so pro-regulation--and they are the courts that hear these 
matters more than almost any other.
    Mr. Sandefur. Right.
    Senator Hatch. Frankly, almost always find on the side of 
the regulatory bodies. I think they have got to wake up and 
start realizing that they are part of the problem as well. I am 
very concerned about it because, you know, we see minorities--
not just minorities but minorities in particular--who are just 
getting killed by this overregulatory nature of our society. I 
am hoping we can get that SCRUB Act through. That would start 
to peel through all these overregulatory approaches and allow 
the good regulations to stay.
    Mr. Sandefur. If I may agree with that, one of the big 
problems is that we do not know the costs of regulation, and we 
cannot assess those costs because the costs of regulation 
typically take the form of the businesses that are never 
started, the projects that are never begun, the people who look 
at how difficult it is and say, ``Well, why should I even 
bother?''
    When we hear statistics that say, well, existing businesses 
are fine with the regulatory burden, of course they are. They 
are already in business. They can afford to absorb those costs. 
Entrepreneurs, they cannot. Very often they give up, and then 
we never see the wealth that they could have created but which 
was stifled by the regulatory burdens.
    Senator Hatch. Sometimes we justify this overregulatory 
approach because of the ills of our society, but we have got to 
have the guts to get involved and look at the stuff that we do 
not need and get rid of it and save the trillions of dollars 
that we are losing right now because of this overregulatory 
nature of our society. I think it is very important for the 
minority community throughout the country to take this on and 
start realizing that, you know, the Federal Government is not 
the last answer to everything. Frankly, in many ways it is the 
impediment in our society because we do not get rid of the bad 
stuff. Yet you still have to comply with a lot of bad things 
that really tear up especially minority businesses.
    I want to thank you, Mr. Chairman, and also the 
distinguished Senator from Delaware, for allowing me to go over 
a little bit. Thank you. I want to thank all of you for being 
here today. It has been very helpful.
    Chairman Cruz. Thank you, Senator Hatch. Senator Coons.
    Senator Coons. Thank you, Chairman Cruz. Mr. Narang, given 
what your research as well as the research by OMB and other 
independent organizations has found about some of the positive 
effects of regulation on our economy, and, in particular, 
protection and promotion of health and other concerns of the 
minority community, how do you explain or respond to testimony 
we have heard today from a number of witnesses that regulations 
are principally responsible for killing jobs?
    Mr. Narang. Thank you, Senator. I do want to make clear and 
I know my testimony makes clear that regulation obviously does 
provide benefits. I know a lot of the discussion so far has not 
centered on that. It is very true that there are opportunity 
costs, if you will, of not regulating. I think we saw that very 
clearly in the Wall Street crash. Deregulation led to many of 
the economic woes that we are currently experiencing now, and 
it is clear that numbers dating back from 2010 do track the 
severe damage that was caused to our economy.
    Let me also just back up and say in terms of setting policy 
priorities, in terms of determining what are good regulations 
that are worthwhile, it is very important to keep regulatory 
benefits in mind and to make decisions based on regulatory 
benefits as well as costs. I think a simple analogy probably 
shows how intuitive this is.
    When you go to a grocery store, you are not just looking at 
the cost of the food as the only determining factor as to 
whether you would buy food. Of course, in that instance you 
would not buy any food. It is a little bit difficult to 
determine sometimes, just as with the regulatory State, what 
the benefit of that food is, but clearly it is a critical 
benefit with respect to livelihood.
    You know, if you look at the macro level, the same thing 
applies when making policy decisions on regulatory policy. The 
benefits have to be taken into consideration.
    Senator Coons. Thank you, Mr. Narang. Mr. Mair, can you 
just elaborate on that point with respect to environmental 
regulations and how they affect minority communities and how we 
should do the cost-benefit analysis?
    Mr. Mair. Yes, Senator Coons. In our 40-year history of the 
Clean Air Act, public health safeguards in the economy have 
actually prospered with regards to cleaning up air and water. 
In fact, under Clean Air, we have actually seen these 
safeguards improve and actually grow new businesses. In fact, 
under the President's Clean Power Plan, it is projected that by 
2020, under these low standards, modest standards, over 360,000 
jobs will be created.
    The real issue, I think, as has been pointed out on one 
level, because there is a little bit of a bait-and-switch here, 
is that while we are saying it is collapsing industry and, as 
my colleague to my left has mentioned, that his business has to 
go to Africa to implement a Clean Power Standard, the fact of 
the matter is that the big coal and big carbon, big oil 
industry is absolutely stifling that opportunity. We can 
actually have that job creation here in the United States right 
now. It was in the United States where we talk about the solar 
and wind industry was born, but yet through the big cartels, 
those opportunities have been pushed off.
    We talk about real jobs lost and really repowering and 
retooling America and getting America back on a green, clean 
footing, while at the same time reducing ozone and greenhouse 
gases and, as I say, improving our climate. Again, you know, 
these are things that are under the control right now or heavy 
influence of the big carbon and big oil industry. Blocking the 
President's efforts under the Clean Power Plan I think actually 
really is the real test of, as I say, doing real economic harm 
to the average American community.
    Senator Coons. Thank you. Mr. Narang, do you agree with the 
claims that were just being debated there? Mr. Alford earlier 
made claims that the Clean Power Plan will result in job loss 
and increased energy costs and rising poverty among Hispanic 
and African American communities?
    Mr. Narang. Public Citizen strongly supports the Clean 
Power Plan, and it is not just because it is a win for the 
environment. It is also a win for consumers. We are doing 
ground-breaking research right now looking State by State at 
the actual benefits to consumers in terms of lower electricity 
prices, partially including the energy efficiency measures in 
the Clean Power Plan, not just the carbon regulation measures. 
What you are seeing is that, across the board, consumers would 
see lower electricity prices, and they would see higher 
electricity prices, of course, in the absence of the Clean 
Power Plan.
    Senator Coons. Thank you. I also--well, my time has 
expired. I will let you do another round, if you want. Are we 
going to do a second round?
    Chairman Cruz. Thank you, Senator Coons.
    You know, it is rather striking. This is a hearing on 
overregulation, and yet as I review both the written testimony 
and the oral testimony of the three witnesses invited by the 
Democrats--Mr. Narang, Mr. Scott, and Mr. Mair--none of the 
three of you have identified even a single example of 
overregulation. I am curious if it is your collective view that 
every regulation is a good thing, that it never goes too far, 
that more and more Government power over our lives is always 
good. Is there not really one example of overregulation that 
any of the Democratic witnesses here can point to.
    Mr. Narang. Senator, I am sure there is. I would say that 
those who are pushing for less regulation, it is incumbent upon 
them to demonstrate those examples of overregulation. I will 
say that I have been quite surprised that we hear in the 
abstract instances of massive amounts of overregulation, but 
there are very few examples that are offered, very few 
detailed, technical regulations that folks are saying, you 
know, justify massive reforms to the regulatory process that 
would stop regulations----
    Chairman Cruz. I take it that that answer is a no, then, 
that you cannot identify a single example of overregulation.
    Mr. Narang. I believe I can. I would have to get back to 
you on that.
    Chairman Cruz. As you sit here today you cannot. In 
preparing your testimony, you did not. Is that correct?
    Mr. Narang. Again, I think it is incumbent on those who 
believe that overregulation is the current most pressing 
problem in our regulatory system to demonstrate those examples.
    Chairman Cruz. Thank you. That is a no.
    You know, Mr. Mair, I found it very interesting, when you 
took over at Sierra Club, you were quoted in a High Country 
News interview as saying that it was your goal to change things 
and to be a change agent, to make sure that ``when laws and 
regulations are fashioned, they are not advantaging one group 
over another,'' which was a very interesting statement. I am 
curious which regulations in particular you were referring to 
that were benefiting one group over another.
    Mr. Mair. Right now the most pressing regulations 
benefiting one group over another is the insistence by the 
carbon industry, as I say, to maintain the status quo at the 
expense of, say, opportunities with regard to the development 
and advancement of clean power. I think that, you know, we have 
a huge opportunity here, when we talk about regulation and our 
transition from dirty power to clean power, to advance new 
alternatives. We should not have to have African Americans 
going to Africa to green and put in their smart grid and green 
grid in Africa. We should be financing those incentives here 
in, say, Detroit or here in New York. The opportunity of where 
and how regulations are employed, you know, are very, very 
critical and clear.
    From the point of justice, when we talk about justice, in 
other words, regulations or what we call ``safeguards,'' it is 
about the equal protection and enforcement of the law. The 
question is--so when we talk about regulations and regulatory 
reform, in this case safeguards that are protective of human 
health, we need to look at some of the communities that are 
being----
    Chairman Cruz. Mr. Mair, I want to keep the focus of the 
hearing on the topic of the hearing, which is, in particular, 
the burdens on the minority community of overregulation. You 
mentioned that your organization disagrees with the Black 
National Chamber of Commerce's conclusion about the impact of 
the Obama administration's climate change rules on jobs. In 
your view, how----
    Mr. Mair. No, I did not say that, sir.
    Chairman Cruz. You do not disagree with this study?
    Mr. Mair. I disagree with this study.
    Chairman Cruz. Right. That is what I just said.
    Mr. Mair. Yes, Okay.
    Chairman Cruz. You mentioned you disagree with that study.
    Mr. Mair. Yes, sir.
    Chairman Cruz. In your judgment, how many jobs will those 
new regulations cost?
    Mr. Mair. The answer is it will not cost. The opportunity--
it will create jobs. I think that one of the things that we 
need to look at is the data that are supplied by an independent 
study that was done by the EPA using Department of Labor data, 
and, in fact, what it showed that by 2020, we will actually 
have a net increase of 360,000 jobs.
    Chairman Cruz. How much will it drive up the electricity 
bill of the average consumer to put these massive new 
regulations on the generation of electric power?
    Mr. Mair. Actually, sir, it will not drive up the cost of 
the average consumer. In fact, the Clean Power Plan would 
reduce cost.
    Chairman Cruz. I am curious. Is it your position that over 
the last 6\1/2\ years the average consumer's electric bill has 
gone up or down?
    Mr. Mair. Sir, the Clean Power Plan, the proposals and 
safeguards under it have just been promulgated.
    Chairman Cruz. You said a minute ago, when I asked is there 
any regulation that is bad, you could not point to a single 
regulation in 175,000 pages. My question is: The last 6\1/2\--
we have had 6\1/2\ years of this administration putting 
oppressive environmental regulations in place, and you said, 
well, this new wave of regulations, it is not going to impact 
any jobs, it is not going to impact electricity bills. My 
question is simple: Have consumers' electric bills gone up or 
gone down in the last 6\1/2\ years?
    Mr. Mair. Sir, the test is in the pudding. When we see the 
Clean Power Plan fully implemented----
    Chairman Cruz. I am asking about the pudding today, though, 
not the future pudding, because I am willing to bet 6\1/2\ 
years ago you made the same predictions that the onerous 
regulations being put in place then were not going to cost any 
jobs, were not going to raise electric bills. Were you right?
    Mr. Mair. Senator, when we talk about existing status quo, 
right now, doing nothing is costing jobs. Doing nothing is 
poisoning our economy. Doing nothing is taking human health. 
When we talk about the Clean Power Plan and, as I say, the new 
policies that are moving forward, shifting to this new clean, 
green economy will actually create jobs, not reduce them, sir.
    Chairman Cruz. I think the record will reflect and the 
facts will reflect that the average consumer's electric bills 
have gone up dramatically, despite promises that that would not 
happen.
    Mr. Mair. Under the existing old regime, sir.
    Chairman Cruz. You are right, under the existing Obama 
EPA----
    Mr. Mair. Old--no, not--sir, under the existing carbon 
regime, sir.
    Chairman Cruz. The existing Obama EPA has driven up 
electric bills dramatically and has cost already vast numbers 
of jobs.
    A final question. Mr. Sandefur, you talked quite powerfully 
about occupational licensing in a host of areas. I want to ask 
you the same question I asked Ms. Loving. Who gets hurt by 
these laws? Who do they benefit? Why are they put in place?
    Mr. Sandefur. Laws like these typically go in place because 
entrenched industry, which has influence with the regulatory 
agencies, is able to flex its muscle and excuse what it is 
doing as, oh, well, we are protecting the public. Force an 
interior decorator to get a 2-year college degree before they 
are allowed to decorate houses, and that is good for the 
public. I guess it would be a better thing if interior 
decorators had a college degree than if they did not. Those 
interior decorators who do have a college degree and so they 
get licenses, they will report, ``Oh, we are perfectly fine 
with the regulations. We have no problem with the 
regulations.'' Then you will have witnesses up here saying, 
``Existing businesses have no problem with the regulations,'' 
right? It is the entrepreneurs who wanted to get jobs in that 
industry who are blocked from doing so, who have to go get a 
job somewhere else or get no job at all, those are the unseen 
costs of the regulation, and that factors into the increased 
costs to the consumer, which raises prices, as you mentioned. 
Of course, therefore, that is--and that is what Ms. Loving 
said. It harms consumers because they have less choice and they 
pay more.
    I am much more focused on the rights of entrepreneurs, the 
wealth--the people who create the wealth that you people all 
redistribute, they are the people whose rights I am concerned 
with, and they are very often blocked from the opportunity that 
this country is supposed to promise by laws that require a 
third of them to get Government permission before they can do 
their job for things as simple as floristry. Louisiana has a 
law that says you have to have a license to be a florist. That 
is obviously absurd. It is so absurd, no other State has a law 
like that. It does not protect the consumer. It protects 
entrenched industries against legitimate competition from 
entrepreneurs.
    Chairman Cruz. Mr. Sandefur, are there successful American 
businesses that began with humble beginnings long ago that 
would be illegal today or impossible based on this current wall 
of regulations?
    Mr. Sandefur. Oh, of course. A hundred years ago, an 
immigrant or a Black entrepreneur could paint the word ``Taxi'' 
on the side of his car, and there you go, right? As long as he 
is insured, as long as he does not run somebody over--and if he 
does, he is going to get punished for that by the existing 
regulations, and those are safety regulations everybody on this 
panel would agree with. Under today's laws, in most States and 
metropolitan areas, they would have to get permission from 
their own competition before they can startup a taxi business. 
We have all read the headlines about Uber, but it is not just 
Uber that is an example of this. My client, Maurice Underwood, 
wants to start a moving business. How harmless can you get, a 
moving business? He should be allowed to paint the word 
``Mover'' on the side of his truck and go into business. 
Instead, he has to get approved to--hire a lawyer, go to a 
hearing, and prove to Government bureaucrats that his business 
would ``foster sound economic conditions,'' which nobody knows 
what that means.
    These businesses stifle entrepreneurship, and to hear 
people--these witnesses say, ``Oh, well, everything is fine. 
Industry is fine. We do not see any job loss,'' it reminds me 
of the story of the man who jumped off the 100-story building, 
and as he passes the 50th floor says, ``Well, so far, so 
good.'' That is the problem that we have got when it comes to 
the economy in this country. We have a healthy economy that 
could recover if we would let it. Too many rules mean that we 
cannot let it. I could spend the entire day listing the bad 
regulations that these other witnesses have somehow been unable 
to identify, but we all have time to worry about.
    Chairman Cruz. Thank you very much, Mr. Sandefur. Senator 
Coons.
    Senator Coons. Thank you, Chairman Cruz. If I might, Mr. 
Mair, Mr. Alford testified earlier that the new EPA ozone 
regulations will harm minority communities and that the Clean 
Power Plan will harm minority communities. Do you agree with 
that? What evidence do you point to? Frankly, Mr. Alford cited 
a study by the Black Chamber of Commerce, and I am wondering if 
the Sierra Club has any competing sources of information that 
they would like to point to?
    Mr. Mair. Yes. One of the things that we definitely rely 
upon is the EPA data, and according to our studies, actually, 
you know, the ozone studies are one of the critical pieces 
whereby, you know, our human health would be greatly impacted 
and affected, sir. Specifically--
    [Pause.]
    Senator Coons. Mr. Mair, if I might give you a minute to 
sort of work through any answer to that, I am going to move on 
to other witnesses, if I might.
    Mr. Mair. Please.
    Senator Coons. Mr. Scott--let me just--Mr. Alford, you have 
said that on behalf of 2 million African-American owned 
businesses you oppose environmental regulations, the ACA, Dodd-
Frank, a range of things--and I may be mischaracterizing your 
testimony, so feel free to correct me--because they have 
largely caused job loss at minority-owned businesses rather 
than creating opportunities.
    Mr. Alford. I did not mention Dodd-Frank, but it certainly 
is an example. It dried up money on the street. The SBA will 
not even print their numbers of 7(a) loans to Black businesses 
because they are so ashamed. They have locked it up. The 
Export-Import Bank wanted our help because they were being de-
authorized. I asked them to give me one loan they have made to 
a Black business anywhere in this world. I have been waiting 6 
months for that answer. They do not do it. We are on our own. 
We have no small business government, and we are finding other 
ways.
    The San Francisco chapter has put in a $200 million 
development with Shanghai money through EB-5 visas. We had to 
get creative. Our own banks are not going to do it, so we will 
find a way.
    In terms of asthma, there is no source to say how asthma is 
formed. There is no cure for asthma. Asthma has increased as 
the ozone has gone down. I grew up in Los Angeles. Let me tell 
you, we have improved the air a whole lot. When you are playing 
football on Saturday afternoon in L.A. in 90-degree weather, we 
have improved a whole lot. Asthma has gotten worse. There is no 
correlation between ozone and asthma.
    Senator Coons. Thank you, Mr. Alford. Mr. Scott, as a 
minority business owner yourself and someone who works 
regularly with minority business entrepreneurs, do the 
positions Mr. Alford is taking and his characterization of the 
impact on regulation represent you fairly as a minority 
business owner?
    Mr. Scott. I would say that it does not, and the reason I 
say that is that I think that one thing that we have been able 
to do through businesses that I have worked along with and also 
with Small Business Development Centers across this Nation that 
are available is to use more of a cooperative approach of 
businesses working together to find people maybe who have 
actually went through the system and may have became--followed 
regulations, became qualified, and bringing them in as an 
expert, and then sharing that knowledge to work as a team to 
make sure that we can help businesses that want to get 
certified or go through regulations of that nature. That was a 
way that I think that we was able to avoid some things maybe 
other people worked through, because we tried to communicate 
and work together. I think that when businesses work together 
as a team, just like the same rules of playing sports, when you 
work together as a team and we all have rules, you use those 
rules to your advantage toward making things work instead of 
fighting against the rules that are in place. Rules are not 
there.
    Senator Coons. Thank you, Mr. Scott. If I might, Mr. 
Chairman, just noting the passage of time, I would just like to 
put into the record a letter from the U.S. Black Chambers, an 
African-American-led business organization with over 100 self-
sustaining Black Chamber members around the country----
    Mr. Alford. That is not true. That has been proven in a 
court of law. That is not true.
    Senator Coons. Mr. Alford.
    Mr. Alford. Yes, sir.
    Senator Coons. I am speaking. Thank you very much.
    Mr. Alford. Sorry.
    Senator Coons. Forgive me. The letter that I am going to 
enter into the record from the president, Mr. Busby, says, 
among other things, that studies have shown African Americans 
are suffering an increase in asthma and respiratory issues in 
no small part because many Black families live near power 
plants and areas with unhealthy ozone levels. It goes on to 
support the Clean Power Plan as the solution that will reduce 
health-related respiratory risks, and that strikes me as just a 
point in counterpoint that is worth raising.
    [The information appears as a submission for the record.]
    Senator Coons. If I might, Mr. Mair, did you want to make a 
closing point before I run out of time?
    Mr. Mair. Yes, I think that the blanket statement that 
there is no correlation between ozone and asthma, it just flies 
in the face of the studies by the American Lung Association, as 
well as our research, the CDC. These are some of the biggest 
triggers with regards to asthma, you know, with regards to air 
quality. I think that one of the big--as I say, the big dirty 
dozen, greenhouse gas, but also by the same token, it is one of 
those areas where, you know, if you look at the studies and the 
areas where populations have high asthma risk in ozone levels, 
the studies are there to support that.
    Senator Coons. If I might, in closing, the Union of 
Concerned Scientists, which was not represented here today, has 
also raised some questions and concerns.
    Mr. Chairman, if I might enter into the record a post from 
the Union of Concerned Scientists that raises issues based on 
the EPA's own cost-benefit analysis, studies from the NAACP 
about the racially disparate impact of pollution on minorities, 
cites a recent study by the University of Maryland, that all 
conclude that the Clean Power Plan may, in fact, have a net 
positive impact on minority communities and raises some serious 
questions about the Black Chamber of Commerce of study that was 
relied upon by Mr. Alford in his testimony.
    [The information appears as a submission for the record.]
    Senator Coons. I think this is a subject of active dispute. 
I do, in the interest of time, want to thank all the witnesses 
who testified here today, and I look forward to further 
hearings with the Chairman.
    Chairman Cruz. Thank you, Senator Coons, and I would like 
to go back briefly to Mr. Mair.
    In your written testimony, you said that the science behind 
climate change and its effect on minority communities quote, 
``should not be up for debate.'' I am curious. Is the Sierra 
Club--is this a frequent practice to declare areas of science 
not up for debate, not up for consideration of what the 
evidence and data show?
    Mr. Mair. If you are relying on the evidence and data, you 
know, the science, the preponderance of the evidence are there.
    Chairman Cruz. That is a different thing than saying we 
should not debate a question, that the Sierra Club has declared 
this scientific issue resolved and there should be no debate?
    Mr. Mair. Based upon the preponderance of the evidence, the 
science is settled. The thing is that anything is up for 
debate, Senator. We can debate anything.
    Chairman Cruz. You know, I would note that even the phrase 
``preponderance of the evidence,'' having been a practicing 
lawyer for many years, means 51 percent. That means that 49--at 
least 51 percent is what the preponderance means. You know, I 
would ask, for example, if you want to end debate, you do not 
want to address the facts, how do you address the fact that in 
the last 18 years the satellite data show no demonstrable 
warming whatsoever?
    Mr. Mair. Sir, I would rely upon the Union of Concerned 
Scientists, and I would rely upon the evidence, again, from our 
own NOAA officials. The data are there.
    Chairman Cruz. Is it correct that the satellite data over 
the last 18 years demonstrate no significant warming?
    Mr. Mair. No.
    Chairman Cruz. How is it incorrect?
    Mr. Mair. Based upon our experts, it has been refuted long 
ago, and there is no long--it is not up for scientific debate.
    Chairman Cruz. I am curious. It is--I want to understand 
this. I do find it highly interesting that the president of the 
Sierra Club, when asked what the satellite data demonstrate 
about warming, apparently is relying on staff, so--the nice 
thing about the satellite data is these are objective numbers.
    Mr. Mair. Correct.
    Chairman Cruz. The numbers over the last 18 years---are you 
familiar with the phrase ``the pause''?
    [Pause.]
    Mr. Mair. The answer is yes, and essentially we rest on our 
position.
    Chairman Cruz. To what you said, you are familiar with the 
pause, so to what does the phrase ``the pause'' refer? I am 
sorry. You said you were familiar with that term, so I asked to 
what does it refer.
    Mr. Mair. Essentially, it is the slowing of global warming 
during the 1940's, sir.
    Chairman Cruz. During the 1940's. Is it not the term that 
global warming alarmists have used to explain the inconvenient 
truth, to use a phrase popularized by former Vice President Al 
Gore, that the satellite data over the last 18 years 
demonstrate no significant warming whatsoever? Global warming 
alarmists call that ``the pause'' because the computer models 
say there should be dramatic warming, and yet the actual 
satellites taking the measurement do not show any significant 
warming.
    Mr. Mair. Senator, 97 percent of the scientists concur and 
agree that there is global warming, an anthropogenic impact 
with regard to----
    Chairman Cruz. The problem with that statistic that gets 
cited a lot is it is based on one bogus study--and, indeed, 
your response--I would point to your response--is quite 
striking. I asked about the science and the evidence, the 
actual data. We have satellites. They are measuring 
temperature. That should be relevant. Your answer was, ``Pay no 
attention to your lying eyes and the numbers that the 
satellites show. Instead, listen to the scientists who are 
receiving massive grants who tell us do not debate the 
science.''
    Mr. Mair. Sir, this is one of the national pastimes in 
America, and while we are debating what 97 percent of 
scientists have already settled, the 3 percent that we, as I 
say, have invested in with regards to the carbon industry, you 
know, our planet is cooking and heating up and warming. This is 
one of the reasons why with regards----
    Chairman Cruz. Hold on a second. It is the Sierra Club's 
position that right now the Earth is cooking up and heating and 
warming? Is that the Sierra Club's--I mean, I just want to 
quote you and understand your----
    Mr. Mair. I am saying I concur with 97 percent of our--as I 
say, of the world's scientists with regards to global warming 
and the anthropogenic effects of mankind with regards to 
climate.
    Chairman Cruz. Sir, would you answer the question? Is it 
the Sierra Club's position, as you just testified, that the 
Earth is cooking up and heating and warming right now? Is that 
the Sierra Club's position?
    Mr. Mair. Global temperatures are on the rise, sir.
    Chairman Cruz. I assume the Sierra Club would issue a 
public retraction if confronted with the facts that the data 
are precisely as I described, that over the last 18 years there 
has been no significant warming, and, indeed, that is why 
global warming alarmists invented the term ``the pause'' to 
explain what they call ``the pause in global warming'' because 
the data demonstrate what you just said, that the Earth is 
cooking and warming, is not back up by the data?
    Mr. Mair. We are concurring with 97 percent of the 
scientists that absolutely say the opposite, sir.
    Chairman Cruz. If the data are contrary to your testimony, 
would the Sierra Club issue a retraction?
    Mr. Mair. Sir, we concur with the 97 percent scientific 
consensus with regards to global warming.
    Chairman Cruz. I would like to----
    Senator Coons. Mr. Chairman, if i----
    Chairman Cruz. Certainly in a moment, but I would like to 
repeat the question and get an answer. If the data are contrary 
to your testimony, would the Sierra Club issue a retraction?
    Mr. Mair. We concur with 97 percent of the scientists that 
believe that the anthropogenic impacts of mankind with regards 
to global warming are true.
    Chairman Cruz. Does that mean you are not willing to answer 
the question?
    Mr. Mair. We concur with the preponderance of the evidence 
and the science that 97 percent--you are asking me if we would 
take the three percent over the 97 percent----
    Chairman Cruz. No, I am actually not asking about a survey 
among scientists. I am asking about the objective data, the 
numbers.
    Mr. Mair. The scientists rely upon their objective data and 
their analysis, and 97 percent have concurred and conclude that 
global warming is indeed a fact.
    Chairman Cruz. You know, Mr. Mair, I find it striking that 
for a public policy organization that purports to focus 
exclusively on environmental issues that you are not willing to 
tell this Committee that you would issue a retraction if your 
testimony is objectively false under scientific data. That 
undermines the credibility of any organization if you will 
persist in a political position regardless of what the science 
shows, regardless of the facts, regardless of the evidence, and 
regardless of the data. That is not consistent, I would 
suggest, with sound public policy.
    Mr. Mair. Sir, you can pick whatever and cherrypick 
whatever data you wish, but I concur with the 97 percent of 
scientists who concur that global warming is a fact.
    Chairman Cruz. Senator Coons.
    Senator Coons. Thank you, Mr. Chairman. I just simply 
wanted to observe that we have a broadly representative and 
qualified group of folks who were brought here to talk about 
overregulation and its impact on minority communities, and I do 
not speak for the Sierra Club, obviously, but it is my hope and 
expectation that if you want to pursue that line of inquiry 
with them further, they would be happy to. My assumption is 
that we will continue to focus on the subject of the hearing at 
hand.
    Chairman Cruz. I certainly concur with Senator Coons, and I 
would note that Mr. Mair's written testimony and oral testimony 
focused in significant part on the Obama administration's new 
global warming regulations that could cost up to 10 million 
jobs and impose massive costs on American consumers. He argued 
that the data support causing millions of Americans to lose 
their jobs, including millions of African Americans and 
Hispanics, and I was pressing on what the data was that he was 
testifying about. I would note that that is not only relevant 
to his testimony, it was almost the entire subject of his 
testimony. Yet apparently the testimony is not based on the 
data or the evidence, or he is not prepared to discuss the data 
or evidence beyond asserting that we should take the word--to 
take their word for it.
    With that, I want to thank all the witnesses for being 
here. Thank you for joining us. We will be keeping the hearing 
record open for an additional 5 business days, which means the 
record will be closed at the end of the business day on 
Tuesday, October 13, 2015.
    Thank you very much to each of the witnesses. The hearing 
is adjourned.
    [Whereupon, at 4:25 p.m., the hearing was adjourned.]
    [Additional material submitted for the record follows.]

                            A P P E N D I X

Miscellaneous submissons:

 American Society of Interior Designers, letter...................   114

 American Thoracic Society (ATS), letter..........................   118

 Benefits and Costs of the Clean Air Act from 1990 to 2020........   197

 CASAC Consensus Responses........................................   130

 Children's Health Protection Advisory Committee..................   195

 National Medical Organizations, letter...........................   435

 Union of Concerned Scientists....................................   451

 United States Black Chambers Incorporated Inc., (USBC)...........   453

 United States Environmental Protection Agency....................   123
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