overlapping regulations of our mortgage markets have the potential to constrain credit and cause otherwise worthy borrowers from qualifying for mortgages.

How do we continue to deliver what is mandated, in my opinion, in the Constitution to those people at the end of the line?

It is the ability to reach every person.

If they lose the marketing niche, they lose their value to you.

I have great concern particularly about rural delivery and what happens when you eliminate the monopoly.

what I really hear is manipulating the playing field to create an advantage where one doesn't exist when the playing field is level.

A North Dakota legend died recently, and I was honored to be able to attend the celebration of his life, a sendoff worthy of a king. Chester Reiten was like royalty, especially to the people of his hometown of Minot, where he served as…

I thought Governor Hickenlooper really identified what needed to happen is you need all the stakeholders at the table.

There's no reason for the Feds to step in, overlay it, and create conflict.

We've all agreed we need a comprehensive energy plan for this country.

A State-led approach with this Federal transparency and backstop does exactly that.

Would you support a State-led approach to regulation and give States like Colorado and others the flexibility to truly develop their energy resources?

But it's the key to a national energy policy that works, and Senator Wyden I think if anybody can do it, I think our Chairman's the kind of guy that can build that kind of consensus.

I ask unanimous consent that the order for the quorum call be rescinded. The PRESIDING OFFICER. Without objection, it is so ordered. Keystone XL Pipeline

I rise to speak on the Keystone XL Pipeline project. Gas prices are now about $3.50--actually, $3.53--a gallon, which is up over 90 percent since President Obama took office. Economic activity for the fourth quarter of 2012 declined by…

I rise today to honor one of our Nation's true heroes--Army SSG Clinton Romesha. On Monday the President will present Sergeant Romesha with our country's highest military award--the Medal of Honor--for ``acts of gallantry . . . above and…

please let the record show that I was in Minot, ND, on January 29, 2013, to speak at the funeral and honor the life of Chester Reiten when the confirmation vote on Senator John Kerry to be Secretary of State was held. Chester Reiten was a…

As inadequate as words are in expressing our gratitude to our American heroes who wear the uniform of our armed services, I rise to do my best to pay tribute to one very special soldier from North Dakota. Former Army Staff Sergeant Clinton…