Downloads | Policy and Regulation

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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Tresury Should Reject State Farm Application to Form De Novo Bank: Testimony to U.S. Treasury 06/03/1998

Woodstock President Malcolm Bush argues that the State Farm application will establish a critical precedent for the terms under which insurance companies enter the banking business and in this case seriously violates the letter and intent of the CRAand its regulations.

Testimony to the Illinois OBRE regarding changes to the Residential Mortgage Licensee Act 03/05/2003

Testimony of Geoff Smith, Woodstock Institute research associate, to the Illinois Office of Banks and Real Estate on several proposed changes. Woodstock opposes changes to the regulation of high risk loans because the changes do not add any substantive protections. Woodstock supports the proposed licensing changes and the increase in the net worth requirements for mortgage lenders and brokers.

Testimony to the Illinois House Payday Loans Subcommittee in Support of H.B. 1100 03/08/2005

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.

Testimony to the Chicago City Council on The Merger of Bank One and JP Morgan Chase 03/29/2004

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 Chicago City Council Hearing on Subprime and Predatory Mortgage 03/30/2004

Malcolm Bush, Woodstock Institute President, testifies before the Chicago City Council on the impact of subprime and predatory lending.

Testimony of Woodstock Institute Vice President Tom Feltner to the Chicago City Council on the impact of abandoned foreclosed properties 07/21/2011

Testimony of Woodstock Institute Vice President Tom Feltner to Illinois Commission on the Elimination of Poverty on the wealth stripping effects of tax refund anticipation loans 09/08/2011

Testimony of Tom Feltner before the Office of Thrift Supervision on the tax lending activity of Republic Bank and Trust 12/18/2008

Testimony presented to the Office of Thrift Supervision opposing Republic Bancorp’s application for a charter conversion from a bank holding company to a savings and loan holding company. Discusses the impact of the RAL product on lower-income Chicago communities and need to eliminate the refund anticipation loan product or require additional consumer protections.

Testimony of Tom Feltner Before the Finance Committee of the City Council of Chicago on Access to Basic, Low-Cost Transaction Accounts 02/08/2011

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.

Testimony of Tom Feltner before the Cook County Board of Commissioners in favor of maintenance requirements for vacant properties in foreclosure 12/13/2011

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