Testimony of Tom Feltner, vice president of Woodstock Institute, addressing deposit insurance, access to mainstream financial products, and credit products such as overdraft protection or payday loan-like deposit advances for general purpose reloadable cards.

Testimony of Spencer Cowan, vice president of Woodstock Institute, on access to employment-based retirement savings plans in Illinois.

Testimony of Tom Feltner, vice president of Woodstock Institute, addressing upfront fees and credit products such as overdraft protection or payday loan-like deposit advances for general purpose reloadable cards.

Testimony of Dory Rand, Woodstock Institute president, before the U.S. House of Representatives, Committee on Financial Services in support of the implementation of Dodd-Frank Act. This testimony was presented during a field hearing held in Chicago, Illinois entitled "Regulatory Reform: Examining How New Regulations are Impacting Financial Institutions, Small Business, and Consumers in Illinois."

Woodstock Institute opposes this merger on the grounds that Capital One has an inadequate past record of meeting community financial needs. We also believe that the combined financial institution, as the fifth largest bank by deposits with a vulnerable portfolio heavily concentrated in credit cards, would pose significant risk to the financial system. Finally, this application demonstrates the inadequacy of current regulatory for ensuring that large financial institutions with limited branch networks are meeting the lending and financial services needs of low-wealth communities.

Senior Vice President Geoff Smith testifies before the Housing Committee of the Illinois House of Representatives on the issue of "red flag" properties and servicer accountability.

Vice President Tom Feltner testifies before the Finance Committee of the City Council of Chicago on the need to preserve access to basic, low-cost transaction accounts and proposes a citywide CRA commitment.