Heidi Heitkamp actually said...

"We need to have more flexibility for other parts of the country."

"So this very significant program across the country is not particularly responsive."

"I want to just tell you I have a particular interest in this, which is making sure small institutions are able to participate in mortgage lending to begin with before you can even get into the seconda..."

"I think it is important to understand that there is a level of frustration among a lot of folks out there that we continue to talk about reform, but we never do reform."