"the appraisal issue in rural communities is real"
"All the talk that we have here is not going to amount to anything if we actually do not get results out of this process."
"these concerns just add to the weight of overall concerns and I think are resulting in consolidation of our small community banks"
"We somehow cannot seem to finish it, even though we have got great bipartisan support."
"I was one of the advocates back in the 1990s of the privacy notices. I think now we have had this great experiment."
"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 question."
"Our producers are in dire straits."
"Collectively they have suffered a half a million dollar loss to their bottom line."
"So as dire as that is, as that pile of wheat is, if those were soybeans basically what you've done is you've condemned that crop."
"I believe the losses to producers are likely to exceed $100 million."