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" If large financial institutions can break the law and accumulate million in profits - and, if they get caught, settle by paying out of those profits - they do not have much incentive to follow the law. "

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" 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

Voice

Information

Credit

" It is critical that the American people, and not just their financial institutions, be represented at the negotiating table. "

" We've seen filibusters of bills and nominations that ultimately passed with 90 or more votes. Why filibuster something that has that kind of support? Just to slow down the process and keep the Senate from working. "

" We need a new model: If you can't explain it, you can't sell it. "

" Banks were once places to hold money and were very careful in lending to finance families as they built a future - bought homes, bought cars, took out student loans. "

" With the right sources of funding and some smart, strategic thinking about how to force non-banks to follow the same rules as other lenders, the entire landscape of consumer lending would change. "

" 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. "

" If your plan is to put a product out there that people can see and understand, then by golly, we're going to get along just fine. "

" I grew up in the Methodist church and taught Sunday school, and one of my favorite passages of scripture is, 'in as much as ye have done it unto one of the least of these my brethren, ye have done it unto me.' Matthew 25:40. "

Elizabeth Warren

Church

Done

" There's been such a sense that there's one set of rules for trillion-dollar financial institutions and a different set for all the rest of us. It's so pervasive that it's not even hidden. "

" If there had been a Financial Product Safety Commission in place 10 years ago, the current financial crisis would have been averted. "

" It doesn't make me happy to go back and talk about how great high school was. "

Elizabeth Warren

School

High School

" Part of my job is to make sense of all that I hear, and to retell it in a forceful way so that the decision-makers at Treasury can hear it. At least that's how I see it. "

" Because policymakers often rely on think tanks' research when crafting laws and regulations, it's critical to know whether these organizations are truly independent. "

" For many women, the on-time payments of domestic support obligations are essential to economic survival. "

" 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. "

" What I've learned is that real change is very, very hard. But I've also learned that change is possible - if you fight for it. "

" When people feel like, 'Lenders weren't fair with me; I don't have any responsibility to be fair with them.' If we go far enough down that line, much of the fabric of our economy starts to unravel. "

Elizabeth Warren

Feel

People

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

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

" Families rely on financial services more than ever, but those who need them most - who struggle to make ends meet - too often must contend with sky-high interest rates and tricks and traps buried in the fine print of their loan products. "

" All I can say is I was a lot more discreet as a candidate than I was in real life. Can I say that? Maybe it's indiscreet to talk about discretion. "

" If you don't talk about families, then it's easy to disembody subprime mortgages and asset securitization and unemployment rates without remembering that every one of those numbers is a million families. "

" 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. "

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

Elizabeth Warren

Support

Minimum Wage

" Republicans say they don't believe in government. Sure they do. They believe in government to help themselves and their powerful friends. "

" Bankruptcy exposes the economic vulnerability and insecurity of middle class women. "

" Truly successful lives are about family. "

" The core of my career is my teaching and my writing. "

" President Obama believes in a country where we invest in education, in roads and bridges, in science, and in the future so we can create new opportunities so the next kid can make it big and the kid afer that and the kid after that, that's what President Obama believes. "