Anne Slattery
"Believe me, branches are not dead."

Executive vice president for retail banking at Webster Bank, which this summer announced the closing of a handful of overlapping branches in its home state of Connecticut

Thomas Considine
"To have to be forced into a merger situation in order to achieve scale to meet compliance obligations of this new law, I find purely offensive. But that's where we are going to be headed unless there is change and we hope there will be."

Commissioner, New Jersey Department of Banking and Insurance, saying that community bankers are justifiably concerned about the Dodd-Frank Act increasing their expenses

Tad Philipp
"We are deeply concerned. Underwriting standards have gone from very good in 2010, to just ok this year, and we want to make sure they don't drift into risky territory."

Director of commercial real estate research for Moody's Investors Service, on the increasingly intense competition among CRE lenders

Sen. Sherrod Brown
"Less debt and more equity will keep our banks on sound footing and ensure that credit is available to Main Street businesses and consumers. Mr. Walsh does not appear to understand this—and that is why he must be replaced as soon as possible."

Ohio Democrat, arguing that Walsh should be fired

John Walsh
"Higher capital fosters a safer banking system, but if carried too far, the economy suffers."

Acting comptroller of the currency, in a London speech that angered Senate Democrats

James Conlon
"What banks like is predictability. One of the biggest struggles you have is that there is no predictability on the regulatory front. What is true two days ago is not true today."

President and CEO, Bangor Savings Bank in Maine

Marshall MacKay
"In the long run, what it means to the small community banks is they're going to be forced out of the business."

President, the Independent Community Bankers of Minnesota, reacting to the 21-cent cap on debit interchange fees imposed under the Durbin amendment

Narayana Kocherlakota
"What are the social benefits associated with these deductions?"

President, Federal Reserve Bank of Minneapolis, calling on Congress to revamp tax deductions, including the sacred mortgage writeoff for homeowners, to discourage debt accumulation

Robert Patten
"It's the curse of cash."

Morgan Keegan & Co. analyst, on how the need for growth is driving some capital-rich banks to make higher-risk loans

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