I appreciate the comments of my esteemed colleague from Texas, and I want to share my agreement with the important points he made so well. (The remarks of Mr. Hoeven pertaining to the introduction of S. 2823 are printed in today's Record…

I ask unanimous consent for 10 minutes or as much time as I might need to discuss an important energy issue. The PRESIDING OFFICER. Without objection, it is so ordered.

too big to fail has become too small to succeed.

the appraisal issue in rural communities is real

I was one of the advocates back in the 1990s of the privacy notices. I think now we have had this great experiment.

We somehow cannot seem to finish it, even though we have got great bipartisan support.

I think if we had a greater level of trust between the regulators and the regulated, I think that all of those things would answer the question.

it is really critically important that we understand now one size fits all

We have got to act sooner rather than later because we are losing the lending lines in these institutions.

All the talk that we have here is not going to amount to anything if we actually do not get results out of this process.

these concerns just add to the weight of overall concerns and I think are resulting in consolidation of our small community banks

We need housing, and we particularly need housing in the energy patch in the West.

Your commitment to work with us is much appreciated and we look forward to it.

We're the fastest growing state in the country and the railroads need to bring the resources.

We need--not only do we need to continue to be proactive until we get that, but so does the STB.

We need it for coal and for oil and gas and for other commodities as well.

BNSF has put forward a very substantial resource plan to address the need.

This is about the very real economic consequences of what's happening in farm country.