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

"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."

"too big to fail has become too small to succeed."