Sen. Whitehouse Questions Expose a Kinder, Gentler and possibly more Frightened Tim Geithner

``But then he said something that caused me to pause… he said that Congress has not given Treasury the tools, and that one of those tools is the power to compel the servicers to act or change. He explains that all he can do is provide incentives and, assuming that any incentive would do it, what’s been offered clearly hasn’t been enough to “overwhelm the muck,” as he surprisingly said.''