Comment letter submitted in support of the Federal Reserve Board’s proposal to improve disclosure and prohibit yield spread premiums and to encourage the Board to strengthen the proposal by including loan amount in the definition of loan terms, and improve its anti-steering proposal.

Comment letter submitted to the Federal Reserve Board opposing the proposed changes to the disclosure requirements for open-ended credit oppose the proposed changes to the disclosure requirements for open-ended credit.

This comment letter was submitted by Woodstock and a coalition of community reinvestment and consumer groups to the Office of the Comptroller of the Currency requesting that the agency immediately implement their tax refund anticipation loan (RAL) guidance. Additionally, it asks that no new banks be allowed into the RAL market and that a discussion is convened to plan the exit of banks from the RAL market in 2011.

Comment letter to CDFI Fund requesting that certification and funding criteria be expanded to include de novo financial institutions planning to organize as CDFIs.

Woodstock Institute comments to the FDIC's Advisory Committee on Economic Inclusion regarding the proposed templates for safe, low-cost transactional and basic savings account products for lower-wealth consumers.

Comment letter requesting the favorable consideration of NSP-related services to middle-income communities contingent on a sunset provision, investments, loans, and services to NSP target areas, and the donation of blighted REO property contingent on support for demolition costs.

Recommends that the FDIC limit overdrafts to one per day and six per year as well as extend opt-in requirements to non-electronic transactions.

Discusses the types of financial institutions that should have reinvestment responsibilities and the geographies where those responsibilities are assessed. Also includes recommendations to improve the services test portion of the CRA and improve the ratings and incentive structure of the CRA.