Woodstock and the CRA Coalition convenes continuous dialogue between community groups and bank regulators on a variety of fair banking issues. These quarterly meetings between the Chicago CRA Coalition and senior representatives of the Federal Reserve Bank, the Office of Thrift Supervision, the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency are unique in this country. This type of forum helps community groups understand their role in the regulatory process and enables regulators to get a grass-roots perspective on low-income communities. In the coming year, proposed topics include the importance of the Service Test in CRA exams, CRA-related regulations of the Gramm-Leach-Bliley Financial Modernization Act, and partnerships between banks and community development financial institutions (CDFIs).