Rand Paul

If you reform it such that you speed up the process of getting the patent and getting the approval, then they have a longer period of time to enjoy their patent protection.

All of us essentially acknowledge that we are not against patents and that we like the innovation that patents allow.

I like the idea of maybe starting a generic application process before it expires.

Governmental barriers.

The overarching question we have to ask is: Does the FDA care about drug prices?

Price controls were the disaster that brought down the Soviet Union and are the disaster that leads to poverty under socialism.

Maybe we should expedite things when there's only one person making something and the price goes up at an alarming pace.

We ought to think about how long patents should be.

I'm for patents. That's intellectual property.

It's kind of hard to get bureaucrats out of Washington.

They just don't understand why it costs 500 percent more, particularly when the ingredients are quite inexpensive.

When I first heard about the EpiPen price increases going up 500 percent, I was like anybody else, outraged.

I'm of the belief that we need more oversight of the FDA.

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.

As you can imagine, the number of prepaid cards that are out in the marketplace right now creates a huge regulatory burden.

We feel that we are in an ideal position, being in that $6.5 billion size, that we understand the needs of the community, but we are nimble enough to be able to design the products that the community requires.

Absolutely. I just attended two national conferences. And in the 18 years that I have been doing this, I have never heard the discussion as much as we did this past week on the need for deposits.

We are very fortunate to be in a wonderful market in the Washington, D.C. area. We currently have approximately 100 percent loan-to-deposit ratio.

I think that the FDIC is a critical, critical part to community banking.

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.'

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

I think it is a little bit Pollyannaish also to believe that this is a mutual treaty.

I think admitting Georgia into NATO would be a huge disaster and would be a huge step back if you want to have any kind of Russian help in resolving what happens in Syria.

I'm a bit of a contrarian when it comes to education.