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(Image: ThinkStock)
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On social media strategies:

"The problem [is] what to do with the social media page you have. Few want to 'like' their banks."

Related article: Friends Again? A Bank's Second Attempt at Social Media (Image: Bloomberg News)

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On letting student loans be discharged in bankruptcy:

"If mortgages could not be discharged in bankruptcy maybe it would not have been as easy for strategic defaulters to walk away."

Related article: Remaining Big Banks Brace for More Student Loan Scrutiny (Image: ThinkStock)

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On Small Business Lending Fund increases:

"Is anyone looking at the quality of these loans? A 21.5% increase when the industry is at 1% should raise some eyebrows with regulators."

Related article: SBLF Banks Boost Small Business Lending 37% in 4Q (Image: ThinkStock)

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On data security:

"Big data breaches will continue for as long as stolen card data remains replayable in counterfeit cards or in Card Not Present transactions. Yet we could kill two birds -- carding and CNP fraud -- with one stone if we simply deployed chip across all payments channels."

Related article: Anti-Hacker Rule Falls Short of Security Guarantee, Ex-Heartland CTO Says (Image: ThinkStock)

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On banks keeping up with the times:

"Consumers have long trusted banks to hold their money, so why not trust them to hold other information as well--a digital safe deposit box."

Related article: Banks Will End Up Obsolete as Silent-Film Stars, Unless... (Image: ThinkStock)

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On raising the credit union cap on business lending:

"I am perfectly OK providing that to these twenty credit unions that want to act like banks - just make all the members owners and send them a dividend each year to pay their taxes. Oh wait - that would level the playing field. And some have done that -- they are called mutuals!"

Related article: Credit Union Business Lending Bill Headed for Senate Showdown (Image: ThinkStock)

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On why Charlotte became a banking hub:

"Because of Georgia banks' inability to have state-wide branching the North Carolina banks were able to create the critical mass that allowed them to take advantage of crossing state lines when the McFadden Act was repealed."

Related article: City After the Storm (Image: Bloomberg News)

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On banks exiting student lending:

"If a bank or other financial institution feels forced to leave the private student loan space -- or any other space -- because it might be required to provide full, transparent, easy-to-understand disclosures to its customers, then that says a lot about the character of the company."

Related article: U.S. Bank, Chase Pull Back from Student Lending (Image: ThinkStock)

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On the SuperPAC for banks:

"You need only think about 'Clean Coal' campaign to get really suspicious of this supposed mission."

Related article: Bankers Form SuperPac for 'Surgical' Strike at Industry's Enemies (Image: ThinkStock)

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On the SuperPAC for banks:

"It's about time we start a SuperPAC. Our industry has been needlessly punished in ways that hurt our shareholders and our customers with costs that don't create offsetting benefits"

Related article: Bankers Form SuperPac for 'Surgical' Strike at Industry's Enemies

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On the SuperPAC for banks:

"Since when do bankers have a 'lack of political power?' Maybe this is true in the Bizarro World, where everything is backwards."

Related article: Bankers Form SuperPac for 'Surgical' Strike at Industry's Enemies

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On the SuperPAC for banks:

"The Too-Big-To-Behave banks are not satisfied with simply controlling the agencies that are supposed to enforce federal financial regulations. They want to gain control of the federal law-making bodies that create the regulations."

Related article: Bankers Form SuperPac for 'Surgical' Strike at Industry's Enemies (Image: ThinkStock)

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