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If bankers become overly conservative in response to past lending mistakes - or if examiners force such behavior - it will hurt bankers' own long-term interests and the economy in general.

European and American banks are conservative in the sense that they don't come at their full strength to markets where we are; that leaves us an opportunity to be successful.

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.

The reason why I'm a conservative is because conservative policies work and they improve opportunities. They are the avenue for climbing the economic dream.

Just because someone will lend money to you doesn't mean you should borrow it.

You can be a lender who wants to compete and have a better product, but you just can't get to the students. The schools are controlling the access to the students.

One of the biggest problems out there that I hear from my friends in the business community is that there's no lending, that it's tough to get a loan today.

I think really that you shouldn't run as a conservative if you're not.

The trouble is, if you don't risk anything, you risk even more.