Mike Crapo actually said...

"I think if we can focus attention on the need to get longer exam cycles for strong compliant institutions at that level..."

"I think we need to focus the attention on the regulatory relief that the smallest banks need."

"Chairman Shelby had to leave for another committee which he chairs, and so he wants to also give you his thanks..."

"I think we would be much better served if our regulatory system allowed our regulators to focus on risk and regulate to that rather than forcing them to utilize arbitrary numbers."