"Because we're supported by the industry, are we really working for the homeowner? … Maintaining this neutral ground is hard to do, but we work very hard to keep our advice neutral."

Bruce Paradis, chairman of the Homeownership Preservation Foundation, confronting the appearance of a conflict of interest in its contract with the Treasury Department. The foundation, created and largely funded by the industry, runs the hotline homeowners call to have loan modification denials reviewed.

" It is as bad as I have seen it."

Al DelliBovi, president of the New York FHLB, assessing the state of animosity between the ABA and the ICBA after the former blamed the latter for enactment of a too-stringent Dodd-Frank.

" We shouldn't wait for legislation. … If Congress wishes to adopt further servicer standards, that may be a good thing. But we have a rule in Dodd-Frank that applies across the board."

Michael Krimminger, acting FDIC general counsel, on its desire to include national servicing standards in risk-retention guidelines.

"I'm sure there will be mobile payments, … but I have a hard time believing that I'm not going to still be carrying a wallet at least with my ID and at least with my insurance card. It will be a slow transition."

William Rossiter, vice president of marketing at Hypercom, regarding the technical and cultural obstacles faced by mobile payments.

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