Files

DocumentsDate added

Comments on Federal Reserve ANPR Regarding Credit Card Terms and Conditions

March 24, 2005

Comment letter on the advance notice of proposed rulemaking (ANPR) on the open-end credit rules of Regulation Z.  Finds that some of the policies examined in the ANPR – such as increasing interest rates and credit limits on short notice to those in debt – are particularly destructive.  Suggests changes to the regulation that would end unreasonable fees, deceptive payment allocation, cut-off times, and universal default.

Comment letter to Federal Reserve Board Suggesting Expansion of Small Business Data Disclosure

November 03, 1999

Comment letter on proposed Regulation B rule stating that small business loan disclosure should mirror the provisions in the Home Mortgage Disclosure Act for home mortgage disclosure data and that disclosure provisions should be extended to pre-applications.

Comment letter to the Office of Thrift Supervision in Favor of CRA Regulatory Changes

January 19, 2007

Comment letter on 2006 Office of Thrift Supervision proposal to make its Community Reinvestment Act examination procedures consistent with the other federal bank regulatory agencies.

Comment letter on National City Bank's OCC request to preempt Georgia Fair Lending Act.

March 24, 2003

Woodstock Institute comments to the Office of the Comptroller of the Currency on National City’s request to the OCC to pre-empt the Georgia Fair Lending Act.  National City claims that the National Bank Act authorizes the OCC to occupy the field of real estate lending regulation thus suggesting that all the provisions of GFLA are preempted.

Comments to Representative Culbertson Opposing Matricula Consular Limitations

September 16, 2004

Opposes amendment to 2005 appropriations bill which would  undermine the final rules adopted by the U.S. Department of the Treasury in accordance with Section 326 of the USA PATRIOT Act, which allows for financial institutions to accept the Matricula Consular.