"What the banks have said largely is that we're using the money to stimulate the economy, to get the economy moving," said Sarah Binder, a senior fellow at The Brookings Institution, a Washington think tank. "That's far, far too general to know what ... the banks are doing with the money." The vague responses from the banks should not come as a shock, said one U.S. House Financial Services Committee member who opposed the bailout. "One of the fundamental problems with the Wall Street bailout was the people who had caused the problem were never called in front of Congress to explain what they had done, what needed to be done," said Rep. Thaddeus McCotter, a Michigan Republican. Congress did not put conditions on the bailout money, leaving lawmakers to press the Treasury Department for transparency after the money was handed out. Critics say Congress needs to demand conditions before the second round of bailout money is distributed.