I've always been a ... believer in good regulation.

Economies of scale are a good thing. If we didn't have them, we'd still be living in tents and eating buffalo.

It's great that people get together and collaborate, talk about the facts and the analysis, all in the interest of having a great financial system.

I don't think you could have a banker serving in a major role in Washington in the next 10 years. I just don't think it's going to happen - it's just not politically feasible - so I don't spend much time thinking about it. Do I think I could do a good job? Maybe. It's possible.

I hope the story of 2011 is that America gets its mojo back. You've got to remember that America has the best universities; it's got some of the best businesses. It's got an unbelievable work ethic, rule of law. The story of 2011 will be America blossoming again.

There are parts [in Dodd-Frank] that I don't agree with. But, in total, it is what it is.

Companies that build scale for the benefit of their customers and shareholders more often succeed over time.