Heidi Heitkamp actually said...

"these concerns just add to the weight of overall concerns and I think are resulting in consolidation of our small community banks"

"I think if we had a greater level of trust between the regulators and the regulated, I think that all of those things would answer the question."

"it is really critically important that we understand now one size fits all"

"I was one of the advocates back in the 1990s of the privacy notices. I think now we have had this great experiment."