Heidi Heitkamp actually said...

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

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

I have great concern particularly about rural delivery and what happens when you eliminate the monopoly.

How do we continue to deliver what is mandated, in my opinion, in the Constitution to those people at the end of the line?