Heidi Heitkamp actually said...

"We need to quit talking about it, and we need to develop strategies that actually achieve the result."

"I think it is critical that we be aware of what those indicators are and that we work together with the private lending industry."

"I want you to come up with solutions to this and cut our small community banks some slack."

"I think the time for talking is over and the time for doing is now."