Heidi Heitkamp actually said...

it is really critically important that we understand now one size fits all

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 quest...

these concerns just add to the weight of overall concerns and I think are resulting in consolidation of our small community banks

We have got to act sooner rather than later because we are losing the lending lines in these institutions.