Ben Cardin actually said...

"This is an oversight hearing for us to get input as to how our Committee can work with the SBA to improve the opportunities for access of capital in the targeted areas that we have talked about."

"Sometimes the banking regulations and the rules and regulations make it difficult to do what you think is right."

"We need to think somewhat out of the box."

"If you are coming out of prison, I am sure your credit score is not exactly that high."