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" 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. "

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" 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. "

Elizabeth Warren

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

" 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. "

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

" 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. "

" 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. "

" I know what I am in Washington to do: I'm here to fight for hardworking families. "

" The women who file for bankruptcy played by all the rules, but they are still in economic freefall. "

" I'm really concerned that too-big-to-fail has become too-big-for-trial. "

" I had to make a choice - recede into the academic world, or wade into politics. "

" Growing up, my mother and grandparents often talked about our family's Native American heritage. As a kid, I never thought to ask them for documentation - what kid would? "

" A good education is a foundation for a better future. "

" We need to align the incentives so that colleges have an incentive to keep down their costs... to graduate students on time with degrees in areas where they're going to be able to get jobs and going to be able to pay back those loans. "

" 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. "

" We all understand that we are living longer, and we are more likely to spend more years as frail, elderly people who can't work. We also recognize that the wonderful advances in medicine also come with wonderful price tags. Those are things you can't budget around. "

" I was in a high school where everybody was a click better off. "

" The poor pay more, and that's one of the reasons people get trapped at the bottom of the economic ladder. "

" I learned something important in my race against Senator Brown: voters want political leaders who are willing to break the partisan gridlock. They want fewer closed-door roadblocks and more public votes on legislation that could improve their lives. "

" You have two pages, that's the whole credit card agreement. The terms are clear and flat and easy to see so anyone can read them. So you could lay four credit cards in front of you and say, 'Oh, that's the one that has the highest rate, that's the one that has the really scary provision that could hurt me.' "

" 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. "

" I'll work with anyone - and I really do mean that - Democrat, Republican, independent, Libertarian, contrarian, vegetarian. "

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

" People who graduate are more resilient financially, and they weather economic downturns better than people who don't graduate. And, throughout their lives, people who graduate are more likely to be economically secure, more likely to be healthy, and more likely to live longer. Face it: A college degree puts a lot in your corner. "

" There is one thing Anthony Weiner and I agree on: there are a lot of smart, hard-working people in the financial industry. "

" 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. "

" It is not good not to have health insurance; that leaves the family very vulnerable. "

" I don't want happy-face conclusions. I want the truth. "

" It worries me about what happens if people in government are looking for that next job: 'Yeah I'm working now, not as much money as I could be making, but when I leave here, that's where I'm headed.' That ultimately infects whatever it is that they're doing. "

" 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.' "