Heidi Heitkamp actually said...

"overlapping regulations of our mortgage markets have the potential to constrain credit and cause otherwise worthy borrowers from qualifying for mortgages."

"After spending the last year traveling across North Dakota and talking with community banks and credit unions across my great State, it is clear that small financial institutions are struggling."

"It is the ability to reach every person."

"If they lose the marketing niche, they lose their value to you."