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" Homeowners refinance their loans when interest rates go down. Businesses refinance their loans. "

Elizabeth Warren

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" In America today, a young person needs more education after high school just to have a chance to make it in the middle class. Not a guarantee, just a chance to make it. "

Elizabeth Warren

" There's a lot of talk coming from Citigroup about how Dodd-Frank isn't perfect. Let me say this to anyone who is listening at Citi: I agree with you. Dodd-Frank isn't perfect. It should have broken you into pieces. "

Elizabeth Warren

" Are you ready to fight for good jobs and and a solid level playing field? Are you ready to prove to another generation of Americans that we can build a better country and a newer world? Joe Biden is ready. Barack Obama is ready. I am ready. You're ready. "

Elizabeth Warren

" If nobody can sell mortgage-backed securities based on trillions of dollars of unpayable instruments, there's a lot less risk in the overall system. "

Elizabeth Warren

" Marathon Day in Boston and all of Massachusetts, it's Patriot's Day, and it's a big celebration for us. It's a day when we're kind of the whole world's city there. "

Elizabeth Warren

" If President Barack Obama had not been in the White House, we would not have the Consumer Financial Protection Bureau today. "

Elizabeth Warren

" I have voted against only one of President Obama's nominees: Michael Froman, a Citigroup alumnus who is currently storming the halls of Congress as U.S. Trade Representative pushing trade deals that threaten to undermine financial regulation, workers' rights, and environmental protections. "

Elizabeth Warren

" I will work my heart out to earn the trust of the people of Massachusetts. "

Elizabeth Warren

" How do you think we build a future? I think we build it by investing in our kids and investing in education. "

Elizabeth Warren

" If the big banks expect to buy influence when they give money to favored think tanks, then the public has a right to know. If the big banks don't expect to buy influence and are merely making charitable contributions, then their shareholders have a right to know. Either way, there's no excuse for keeping these payments secret. "

Elizabeth Warren

" Raising the minimum wage means we have workers paying more in to support the Social Security system. "

Elizabeth Warren

" I never sought nor gained personal benefit in school or job applications based on my heritage. "

Elizabeth Warren

" We're Americans. We celebrate success. We just don't want the game to be rigged. "

Elizabeth Warren

" Writing laws based on an abstract theory, rather than reality, is a dangerous undertaking. "

Elizabeth Warren

" It is easy when you are successful to think that you did it all by yourself and to forget that you didn't. You got here because a lot of things broke your way. You were lucky enough to be born into a family that could afford to take care of you well. "

Elizabeth Warren

" When giant companies wanted more tax loopholes, Washington got it done. When huge energy companies wanted to tear up our environment, Washington got it done. When enormous Wall Street banks wanted new regulatory loopholes, Washington got it done. No gridlock there! "

Elizabeth Warren

" The 21st Century Glass-Steagall Act will reestablish a wall between commercial and investment banking, make our financial system more stable and secure, and protect American families. "

Elizabeth Warren

" Wall Street banks have the right to express their views to lawmakers and regulators through lobbying, but the law is clear: If they want to influence lawmakers, they must disclose their lobbying expenditures. "

Elizabeth Warren

" I got married at 19 and graduated from a commuter college in Texas that cost $50 a semester. The way I see it, I'm a janitor's daughter who became a public school teacher, a professor, and a United States Senator. America is truly a country of opportunity! "

Elizabeth Warren

" We shouldn't be profiting from our students who are drowning in debt while giving a great deal to the banks. That's just wrong. "

Elizabeth Warren

" And that's how we build the economy of the future. An economy with more jobs and less debt, we root it in fairness. We grow it with opportunity. And we build it together. "

Elizabeth Warren

" Democrats fought to get health insurance for more Americans. Democrats fought for a strong consumer agency so big banks can't cheat people. We fought, we won, and we improved the lives of millions of people - thank you, President Obama! "

Elizabeth Warren

" In 1978, we adopted a new Bankruptcy Code in the United States, and a principal part of this was designed to adjust to the new corporation, to find ways to let a corporation that had gotten into financial trouble reorganize itself. A big part of the selling point on this bankruptcy law was, 'It will preserve jobs.' "

Elizabeth Warren

" The over-representation of Wall Street banks in senior government positions sends a bad message. It tells people that one - and only one - point of view will dominate economic policymaking. "

Elizabeth Warren

" Now look, you built a factory and it turned into something terrific or a great idea, God Bless, keep a big hunk of it. But part of the underlying social contract is you take a hunk of that and paid forward for the next kid who comes along. "

Elizabeth Warren

" The broken consumer credit market had to be repaired by making sure that consumers had the right information and could use it effectively. That meant consolidating the bloated patchwork of ineffective agencies and regulations so that a single agency could act as a voice for consumers. "

Elizabeth Warren

" G.E. doesn't pay any taxes, and we are asking college kids to take on even more debt to get an education and asking seniors to get by on less. These aren't just economic questions. These are moral questions. "

Elizabeth Warren

" We've seen filibusters to block judicial nominations, jobs bills, political transparency, ending Big Oil subsidies - you name it, there's been a filibuster. "

Elizabeth Warren

" Everyone would like the world always to be in bubble times. But that doesn't happen. "

Elizabeth Warren

" I get heartfelt thanks from all kinds of people. Today I heard from a waitress in Georgia who has lost her job and is trying to figure out how her local bank can change the terms on her credit card, and I heard from a physicist at a major research university who wants to explain a better theory of financial stress tests. "

Elizabeth Warren