Scott Talbott, senior vice president for government affairs at The Financial Services Roundtable, discusses in this interview the financial-services industry's position on regulatory changes being discussed in Congress. For example, Mr. Talbott said the industry was in favor of consumer protections. "The fate of the institution and the fate of its consumers are inextricably linked," Mr. Talbott said. "So if a bank makes a loan to a customer who can't repay that loan, it clearly doesn't help the customer, but it also does not help the bank. And so strengthening consumer protection will help ensure that both the customer and the bank benefit."