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" You can put handcuffs on people who push the envelope. When they break the law, they deserve to have handcuffs. "

Elizabeth Warren

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

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" When I first started talking about running for office, a lot of people said to me, 'Don't let the consultants change you,' and I'd always assured them that I wouldn't allow it to happen. But like it or not, I had to change. Not because of a consultant, but because I started to understand the cost of a stupid mistake. "

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" 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. "

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" 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. "

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" I held my father's hand while he died of cancer, and it's really painful when you do something like that up close and personal. My mother was already gone, and I was very, very close to my father. "

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" 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. "

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" Credit cards are like snakes: Handle 'em long enough, and one will bite you. "

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" 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

" We should stop having a conversation about cutting Social Security a little bit or a lot. "

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

" If you believe that America must work for all of us, not just the rich and powerful, if you believe we must reject the politics of fear and division, if you believe we are stronger together, then let's work our hearts out to make Hillary Clinton the next President of the United States! "

Elizabeth Warren

" We need to hold Wall Street accountable for issuing the kinds of deceptive loans that nearly brought our economy to its knees in 2008. "

Elizabeth Warren

" I had a baby and stayed home for a couple of years, and I was really casting about, thinking, 'What am I going to do?' My husband's view of it was, 'Stay home... We'll have more children; you'll love this.' And I was very restless about it. "

Elizabeth Warren

" Markets work when people can evaluate the prices and risks of different products, then pick the ones that work best for them. But when the terms of the deal are hidden, competition doesn't work. And customers aren't the only ones who are hurt. "

Elizabeth Warren

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

Elizabeth Warren

" Consumer banking - selling debt to middle class families - has been a gold mine. "

Elizabeth Warren

" America's middle class is getting hammered, and Washington is rigged to work for the big guy. "

Elizabeth Warren

" The Postal Service is huge - employing more than a half million people - and its history is long and complicated. "

Elizabeth Warren

" I'm not running for president. "

Elizabeth Warren

" 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. "

Elizabeth Warren

" I'm not going to talk about who I voted for. "

Elizabeth Warren

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

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

" When billionaire car dealers or manufacturers pay for ambassadorships, at least they pay with money earned by selling something of value. "

Elizabeth Warren

" Like a lot of you, I grew up in a family on the ragged edges of the middle class. My daddy sold carpeting and ended up as a maintenance man. After he had a heart attack, my mom worked the phones at Sears so we could hang on to our house. "

Elizabeth Warren

" 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

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

Elizabeth Warren

" I'm not a Washington person. "

Elizabeth Warren

" I made it real clear to the business community - if your plan for innovation is to trick people, is to fool them, is not to tell them the truth about the price, then you're right: I'm going to be right in the way. "

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