Heidi Heitkamp actually said...

"Just a quick comment, and not to belabor this point, but I do want to kind of go on record saying we need to be careful with one-size-fits-all."

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

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

"the best enforcement tool is a good deterrence."