Patrick Toomey actually said...

"Of course, banks are afraid to make loans, because of the regulators hanging over their shoulders."

"For the free enterprise system to really flourish and thrive, it needs to be sensibly but lightly regulated."

"I look at Dodd-Frank as an incredible exercise of laziness by Congress where basically Congress punted all the tough decisions to regulators."

"I do wish we had taken more time to do the work we needed to do to understand the issues instead of just, as Congress typically does, acting like we did something great."