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Expert Testimony
Woodstock staff is regularly invited to present expert testimony before the local, state, and federal legislature, as well as regulator agencies.

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Testimony of Marva Williams to the Federal Reserve Bank of Chicago on the Bank One/Chase Merger
April 23, 2004
Marva Williams, Woodstock Institute Senior Vice President, states that Woodstock Institute neither supports nor opposes the proposed acqusition of Bank One by New York based JP Morgan Chase.  She also states that federal banking regulators should take a bank's performance under a community reinvestment agreement into consideration during their ongoing CRA public examinations.
Testimony of Marva Williams to the Office of Thrift Supervision on the Thrift Application of H&R Block
October 05, 2005
Testimony of Marva Williams, Woodstock Institute Senior Vice President requesting conditional approval of the H& R Block application to become a de novo thrift regulated by the OTS.  Approval should only be granted if H&R Block makes a commitment to affirmatively address the lending patterns of H&R Block's subprime affiliate, Option One, commit to reducing the impact of refund anticipation loans on recipients of the Earned Income Tax Credit, and several other issues.
Testimony to the Chicago City Council Hearing on Subprime and Predatory Mortgage
March 30, 2004
Malcolm Bush, Woodstock Institute President, testifies before the Chicago City Council on the impact of subprime and predatory lending.
Testimony to the Chicago City Council on The Merger of Bank One and JP Morgan Chase
March 29, 2004
Marva Williams, Woodstock Institute Senior Vice President, testifies before the Chicago City Council Committee on Finance on the impact of the proposed merger of Bank One and JP Morgan Chase.  Her testimony includes a summary of Bank One's previous CRA agreement and the new Memorandum of Understanding of Community Reinvestment Goals.
Testimony to the Illinois House Payday Loans Subcommittee in Support of H.B. 1100
March 08, 2005
Marva Williams, Woodstock Institute Senior Vice President, comments in favor of H.B. 1100 creating the Illinois Payday Loan Reform Act and discusses the five key consumer protections included in the bill.
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