"There's a ton of [investor] demand, very little supply, and what I'm selling has huge margins. … This year we're doing better than we did last year, and there's no stress."

Matthew Pineda, president of Castle & Cooke Mortgage, explaining why the outlook for most home lenders has improved. 

"I wouldn't be moving this legislation as aggressively as I have been for the last two years if I thought this would be a true threat to the DIF."

Scott Garrett, a New Jersey congressman, minimizing the Federal Deposit Insurance Corp.'s worries over his bill establishing a regulatory framework for covered bonds. 

"The toughest for me is always the people. We expanded too much. … When you try to go to bed at night, that's what weighs on you. It's the human cost of all these things that [is] painful."

Richard Carrion, chairman and CEO of Popular, reflecting on his bank's layoffs during the financial crisis. 

"It reminds me a bit of the heyday of marketing credit cards to people despite the fact that they might not really be able to afford it. … I am starting to hear from people who are asked over and over and over by their banks to opt in."

Jean Ann Fox, the director of financial services for the Consumer Federation of America, on banks' considerable attempts to market overdraft services ahead of Aug. 15, when consumers must explicitly choose coverage. 

"Especially as a bank that opted out of the FDIC's program … we were definitely surprised to see unlimited deposit insurance come back and in the manner in which it came back, which was essentially forced upon banks."

Brendan Casey, product development director at Silicon Valley Bank in Santa Clara, Calif., on Congress' decision to make the Transaction Account Guarantee Program mandatory when it was extended.

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