Janet Yellen actually said...

"There has been consolidation. We are concerned about the burdens on community banks"

"I am certainly willing to work with you on that, but as your comment indicated, you recognize the importance of independence for regulatory agencies that we not be subject to executive branch review."

"we are committed to a formal rulemaking process in the development of a domestic insurance capital standard."

"It is essentially a theory that fits reasonably, but certainly not perfect, explaining the inflation process."