Heidi Heitkamp actually said...

"Sharing that risk on innovation is absolutely critical."

"But what did the agency do, or what did DOD do, to mitigate those effects--look at lower cost options, look at ways to do outreach that may not be consistent with the traditional programs that you wou..."

"And I would suggest to you that the lack of enforcement of existing regulations before Dodd-Frank is a critical component to bank failures."

"The job that you have is absolutely the most critical job to improving those conditions."