Heidi Heitkamp actually said...

We are setting policies in Washington, DC, that are consolidating more and more assets into the larger banks.

You have to take a risk-based and specific targeted approach to address the issues that are relevant.

There is too much one-size-fits-all in the housing market, and that is even more discouraging.

It is absolutely critical that we maintain a role for independent community banks and credit unions.