Rand Paul actually said...

"Tough question. Obviously, the broad-brush stroke that most regulatory agencies take becomes a very, very difficult part of the examination that we go through on a regular basis."

"A lot of it goes back to CRA, being able to do CRA-type loans, being able to do SBA-type loans."

"Clearly, the regulatory environment is getting tougher and tougher for community banks to be able to work with them."

"I think what is critical is the fact of being able to better define the word 'relationships.'"