Heidi Heitkamp actually said...

"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."

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

"All the talk that we have here is not going to amount to anything if we actually do not get results out of this process."

"the appraisal issue in rural communities is real"