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  10. '15

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Occurrences in the Congressional Record

Entry Title Date
Fed Oversight Reform And Modernization Act Of 2015 November 18, 2015
Tom Emmer, R-MN
"Furthermore, this bill requires the Fed, before implementing any rule, to conduct a cost-benefit analysis. This will give the American people a true sense of the economic impact any Fed proposal will have. It would also mandate the Fed, Federal Deposit Insurance Corporation, and Treasury to disclose any positions they plan to take at international regulatory negotiations, enabling the American people and Congress to weigh in on international regulations that often adversely impact American business."
Reforming Cfpb Indirect Auto Financing Guidance Act November 18, 2015
French Hill, R-AR
"Dear Chairman Hensarling and Ranking Member Waters: On behalf of the more than 6,000 community banks represented by ICBA, I write to thank you for scheduling a markup for July 28 on important regulatory reform bills. We are particularly pleased that a number of the bills scheduled for markup reflect community bank regulatory relief advanced in ICBA’s Plan for Prosperity. We strongly encourage all committee members to vote YES on the bills noted below: The Financial Institution Customer Protection Act (H.R. 766). Sponsored by Rep. Blaine Luetkemeyer, H.R. 766 is designed to curtail the abuses of Operation Choke Point. The bill would prohibit the federal banking agencies from suggesting, requesting, or ordering a bank to terminate a customer relationship unless the regulator put the order in writing and specified a material reason for the action, among other provisions. The Portfolio Lending and Mortgage Access Act (H.R. 1210). Sponsored by Rep. Andy Barr, H.R. 1210 would provide that any residential mortgage held in portfolio by the originator is a “qualified mortgage” for the purposes of the Consumer Financial Protection Bureau’s “ability to repay” rule. H.R. 1210 will help preserve access to credit for customers of community banks and other lenders. The Small Bank Exam Cycle Reform Act of 2015 (H.R. 1553). Sponsored by Rep. Scott Tipton, H.R. 1553 would allow a highly rated community bank with assets of less than $1 billion to use an 18 month exam cycle. ICBA supports a 24 month exam cycle for highly rated community banks. Because examiners have more than sufficient information to monitor a community bank from offsite, we believe that this change would not compromise supervision, and would actually increase safety and soundness by allowing examiners to focus their limited resources on the true sources of risk. The Reforming CFPB Indirect Auto Financing Guidance Act (H.R. 1737). Sponsored by Rep. Frank Guinta, H.R. 1737 would effectively nullify the CFPB’s guidance on indirect auto lending. In proposing and issuing guidance primarily related to indirect auto financing, the CFPB would be required to provide for a public notice and comment period, make available all studies, data, and other information on which the guidance is based, and meet other requirements intended to ensure the process is open, transparent, and responsive to public input. The CFPB would also be required to consult with the Board of Governors of the Federal Reserve System, the Federal Trade Commission, and the Department of Justice. ICBA suggests strengthening H.R. 1737 by requiring the CFPB to also consult with the Federal banking regulators, the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency. Financial Institutions Examination Fairness and Reform Act (H.R. 1941). Sponsored by Reps. Lynn Westmoreland and Carolyn Maloney, H.R. 1941 would go a long way toward improving the oppressive examination environment that many community banks experience during and following an economic downturn. Among other other provisions, H.R. 1941 would create an Office of Independent Examination Review within the Federal Financial Institutions Examination Council and give financial institutions a right to an expedited, independent review of an adverse examination determination before the Office’s Director or before an independent administrative law judge. ICBA also supports the provisions of H.R. 1941 that would create more consistent and commonsense criteria for loan classifications and capital determinations. Establishing conservative, bright-line criteria will allow lenders to modify loans, as appropriate, without fear of being penalized. If these standards become law, they will give bankers the flexibility to work with struggling but viable borrowers and help them maintain the capital they need to support their communities. The Homebuyers Assistance Act (H.R. 3192). Sponsored by Rep. French Hill, H.R. 3192 would provide a critical safe harbor from enforcement actions for compliance errors arising from the implementation of the Consumer Financial Protection Bureau’s Truth in Lending Act/Real Estate Settlement Procedures Act Integrated Disclosures, provided the lender has acted in good faith to implement and comply with new regulations. Without this safe harbor, consumer mortgage closings are likely to be delayed due to the enormous complexity of the new rules and fear of excessive enforcement actions for minor errors. Taken together, the bills noted above would provide significant regulatory relief for community banks to the benefit of the customers and communities they serve. We will continue to press lawmakers to enact these sensible regulatory relief measures into law. Thank you again for bringing these bills before the committee. Sincerely, Camden R. Fine, President & CEO."
Honoring Ms. Frances Chow October 26, 2015
Barbara Lee, D-CA
"Upon graduating, Ms. Chow was recruited to work with the Federal Deposit Insurance Corporation (FDIC), which is an independent federal agency created by Congress to maintain stability and confidence in the nation’s financial system. During her 20-year career at the FDIC, Ms. Chow received numerous performance awards, including “Employee of the Year.”"
Small Bank Exam Cycle Reform Act Of 2015 October 6, 2015
Randy Neugebauer, R-TX
"Mr. Speaker, I move to suspend the rules and pass the bill (H.R. 1553) to amend the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle."
Honoring Team Inc. On The Occasion Of Their 50Th Anniversary October 6, 2015
Rosa DeLauro, D-CT
"Guided by the mission to connect individuals and families with solutions that lead to well-being, self-sufficiency and full participation in the community, over the course of the last five decades TEAM, Inc. has diligently worked to provide programs and services to those most in need. From Meals on Wheels for seniors to Head Start programs for children, from energy assistance to eviction prevention and security deposit assistance, and from financial education workshops and employment services to their annual holiday toy drive, as the needs of those they serve have changed, TEAM Inc. has expanded their work to provide their clients with skills and resources they need to succeed and thrive."

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