Many of the businesses that I talk to in North Dakota who have, over the years, offered great plans, plan on sticking with the great plans that they have.

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.

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

We cannot move forward, in part because of the impediments and because of the requirements.

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

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

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

Madam President, I ask unanimous consent that the order for the quorum call be rescinded. The PRESIDING OFFICER. Without objection, it is so ordered. Cloture Motion Under the previous order and pursuant to rule XXII, the Chair lays before…

the best enforcement tool is a good deterrence.

I hope in 10 years you are right.

Mr. President, I rise today to say a few words about my friend who is leaving the Senate this week, Massachusetts Senator Mo Cowan. I have to admit that when he first arrived I was excited because I was no longer going to be 100th in…