Treasury Secretary Timothy Geithner testifies on Capitol Hill in Washington, Wednesday, July 25, 2012, before the House Financial Services Committee to deliver the annual Financial Stability Oversight Council report, Geithner is warning Congress that Europe's debt crisis and a looming budget crisis in Washington could weaken an already-fragile U.S. economy unless regulators pursue stricter oversight of the financial system. (AP Photo/J. Scott Applewhite)