Elizabeth Warren, center, Special Asst. to the Treasury Secretary on the Consumer Financial Protection Bureau, speaks during a photo opportunity on the occasion of the anniversary of the Dodd-Frank Bill as Rep. John Garamendi, D-Calif., left, House Minority Whip Steny Hoyer, D-Md., 2nd left, House Minority Leader  Nancy Pelosi, 2nd right, and Rep. Barney Frank, D-Mass. right, listen  on Capitol Hill in Washington on Wednesday, July 20, 2011.(AP Photo/Harry Hamburg)