I can assure you criminal prosecution in white-collar crime is much more effective than fines and penalties.

I think when you go back and you take a look at kind of how they have done business historically...

After spending the last year traveling across North Dakota and talking with community banks and credit unions across my great State, it is clear that small financial institutions are struggling.

overlapping regulations of our mortgage markets have the potential to constrain credit and cause otherwise worthy borrowers from qualifying for mortgages.

I have great concern particularly about rural delivery and what happens when you eliminate the monopoly.

It is the ability to reach every person.

If they lose the marketing niche, they lose their value to you.

How do we continue to deliver what is mandated, in my opinion, in the Constitution to those people at the end of the line?