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ICBA Testimony

113th Congress

Date Title Committee Presenter
05/21/13 Qualified Mortgage Rule Will Jeopardize Access to Credit House Subcommittee on Financial Institutions and Consumer Credit Written Statement
04/16/13 Examining Community Bank Regulatory Burdens House Subcommittee on Financial Institutions and Consumer Credit William A. Loving, Jr.
03/19/13 Housing Finance Reforms Must Protect Critical
Role of Community Banks		 Senate Banking Committee Written Statement
03/14/13 Ending Too-Big-To Fail House Financial Services Subcommittee on Oversight & Investigations Written Statement

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112th Congress

Date Title Committee Presenter
11/29/12 Examining the Impact of the Proposed Rules to Implement Basel III Capital Standards House Subcommittee on Financial Institutions and Consumer Credit / House Subcommittee on Insurance, Housing, and Community Opportunity William A. Loving
11/14/12 Basel III Should Exempt Community Banks Senate Banking Committee Written Statement
09/13/12 Key JOBS Act Provision Must Be Addressed to Benefit Thrifts House Financial Services Subcommittee on Capital Markets and Government Sponsored Enterprises and the Oversight and Government Reform Subcommittee on TARP, Financial Services, and Bailouts of Public and Private Programs Written Statement
08/20/12 An Examination of the Challenges Facing Community Financial Institutions in West Virginia House Subcommittee on Financial Institutions and Consumer Credit William A. Loving
08/01/12 Know Before You Regulate: The Impact of CFPB Regulations on Small Business House Small Business Committee Written Statement
06/20/12 Mortgage Disclosures: How Do We Cut Red Tape for Consumers and Small Businesses House Subcommittee on Insurance, Housing and Community Opportunity Written Statement
06/06/12 An Examination of the Federal Reserve’s Final Rule on the CARD Act’s ‘Ability to Repay’ Requirement House Subcommittee on Financial Institutions and Consumer Credit Written Statement
06/05/12 Housing in America: Innovative Solutions to Address the Needs of Tomorrow Members of the BiPartisan Policy Center Housing Commission and the Jack Kemp Foundation Terry Jorde
05/10/12 Formulation of the 2012 Farm Bill: Credit Programs House Subcommittee on Operations, Oversight and Credit Jeff Gerhart
05/09/12 Rising Regulatory Compliance Costs and Their Impact on the Health of Small Financial Institutions House Subcommittee on Financial Institutions and Consumer Credit Samuel A. Vallandingham
03/01/12 Keeping Small Business and Municipal Deposits in the Community House Subcommittee on Financial Institutions and Consumer Credit Written Statement
02/01/12 H.R. 3641: The Financial Institutions Examination Fairness Reform Act House Subcommittee on Financial Institutions and Consumer Credit Noah Wilcox
12/05/11 Regulatory Reform: Examining How New Regulations are Impacting Financial Institutions, Small Businesses, and Consumers in Illinois House Financial Services Committee Greg M. Ohlendorf
12/01/11 Spurring Job Growth Through Capital Formation While Protecting Investors Senate Banking Committee Written Testimony
11/16/11 H.R. 1697, The Communities First Act House Subcommittee on Financial Institutions and Consumer Credit and House Subcommittee on Capital Markets and Government Sponsored Enterprises Salvatore Marranca
10/27/11 Proposed Regulations to Require Reporting of Nonresident Alien Deposit Interest Income House Subcommittee on Financial Institutions and Consumer Credit Written Testimony
10/12/11 H.R. 1418: The Small Business Lending Enhancement Act of 2011 House Subcommittee on Financial Institutions and Consumer Credit Salvatore Marranca
10/12/11 Oversight of the Federal Home Loan Bank System House Subcommittee on Oversight and Investigations Timothy K. Zimmerman
10/12/11 Title VII of the Dodd Frank Act House Agriculture Committee Written testimony
09/21/11 Regulatory Relief Essential for Small Business Capital Formation House Subcommittee on Capital Markets Written Statement
09/20/11 Proposed Acquisition of ING Direct USA by Capital One Financial Corporation Federal Reserve Board Chris Cole
08/02/11 Housing Finance Reform: National Mortgage Servicing Standards Senate Banking Committee Jack Hopkins
07/28/11 Community Bank Perspective on the CFPB and Small Business House Small Business Subcommittee on Investigations, Oversight, and Regulation Written Statement
07/08/11 Legislative Proposals Regarding Bank Examination Practices House Subcommittee on Financial Institutions and Consumer Credit James H. McKillop, III
06/28/11 Housing Finance Reform: Access to the Secon for Small Financial Institutions Senate Banking Committee Jack Hartings
06/22/11 The State of Small Business Access to Capital and Credit: The View from Secretary Geithner House Small Business Committee Written Statement
06/16/11 Credit Unions: Member Business Lending Senate Banking Committee Noah Wilcox
06/16/11 The Dodd-Frank Act: Impact on Small Business Lending House Subcommittee on Economic Growth, Tax and Capital Access Greg M. Ohlendorf
06/15/11 Enhancing Safety and Soundness: Lessons Learned and Opportunities for Continued Improvement Senate Subcommittee on Financial Institutions and Consumer Protection Salvatore Marranca
05/26/11 Housing Finance Reform Must Uphold Vital Role of Community Banks Senate Banking Committee Written Statement
04/14/11 A Review of Credit Conditions in Rural America House Subcommittee on Operations, Oversight, and Credit Written Statement
04/06/11 Legislative Proposals to Improve the Structure of the Consumer Financial Protection Bureau House Subcommittee on Financial Institutions and Consumer Credit Noah Wilcox
04/06/11 The State of Community Banking: Challenges and Opportunities Senate Subcommitee on Financial Institutions William A. Loving
03/30/11 Has Dodd-Frank Ended Too Big To Fail? House Subcommittee on TARP, Financial Services & Bailouts of Public and Private Programs Written Statement
03/29/11 Public Proposals for the Future of the Housing Finance System Senate Banking, Housing, & Urban Affairs Committee Written Statement
03/02/11 The Effect of Dodd-Frank on Small Financial Institutions and Small Businesses House Subcommittee on Financial Institutions and Consumer Credit James D. MacPhee
03/01/11 Mortgage Finance Reform: An Examination of the Obama Administration’s Report to Congress House Subcommittee on Financial Institutions and Consumer Credit Written Statement
02/17/11 Understanding the Federal Reserve’s Proposed Rule on Interchange Fees: Implications and Consequences of the Durbin Amendment House Subcommittee on Financial Institutions and Consumer Credit Written Statement

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111th Congress

Date Title Committee Presenter
07/29/10 Future of Housing Finance: The Role of Private Mortgage Insurance Committee on Financial Services Marti Tomson Rodamaker
07/19/10 Community Reinvestment Act Joint Agency Hearing Jeff W. Dick
07/15/10 Home Mortgage Disclosure Act Federal Reserve Board of Governors William A. Loving, Jr.
06/08/10 The State of Small Business Lending: Identifying Obstacles and Exploring Solutions Senate Small Business and Entrepreneurship Committee William Loving
05/18/10 Initiatives to Promote Small Business Lending, Jobs and Economic Growth House Financial Services Committee James D. MacPhee
05/17/10 Commercial Real Estate: A Chicago Perspective on Current Market Challenges and Possible Responses House Subcommittee on Oversight and Investigations Greg M. Ohlendorf
04/14/10 Housing Finance – What Should the New System Be Able to Do? House Financial Services Committee Jack E. Hopkins
03/24/10 Could Bankruptcy Reform Help Small Business Preserve Jobs? Senate Subcommittee on Administrative Oversight and the Courts Written Testimony
03/17/10 Examining the Link between Fed Bank Supervision and Monetary Policy House Financial Services Committee Jeffrey L. Gerhart
03/02/10 Restoring Credit to Main Street: Proposals to Fix Small Business Borrowing and Lending Problems House Subcommittee on Economic Policy Eric A. Gillett
02/26/10 Condition of Small Business and Commercial Real Estate Lending in Local Markets House Financial Services and Small Business Committees Stephen G. Andrews
01/13/10 Financial Crisis Financial Crisis Inquiry Commission C. R. “Rusty” Cloutier
12/03/09 H.R. 2266, Reasonable Prudence in Regulation Act, and H.R. 2267, the Internet Gambling Regulation, Consumer Protection, House Financial Services Committee Samuel A. Vallandingham
11/17/09 Protecting Consumers from Abusive Overdraft Fees: The Fairness and Accountability in Receiving Overdraft Coverage Act Senate Banking, Housing, and Urban Affairs Committee Statement for the Record
10/30/09 The Overdraft Protection Act of 2009 House Financial Services Committee R. Michael S. Menzies, Sr.
10/29/09 Systemic Regulation, Prudential Matters, Resolution Authority and Securitization House Financial Services Committee R. Michael S. Menzies, Sr.
10/20/09 The State of the Housing Market Senate Banking, Housing, and Urban Affairs Committee Written Testimony
10/14/09 Increasing Access to Capital for Small Businesses House Small Business Committee R. Michael S. Menzies, Sr.
10/08/09 H.R. 2382, the Credit Card Interchange Fees Act of 2009 and H.R. 3639, the Expedited CARD Reform for Consumers Act of 2009 House Financial Services Committee Written Statement
10/08/09 H.R. 2382, the Credit Card Interchange Fees Act of 2009 and H.R. 3639, the Expedited CARD Reform for Consumers Act of 2009 House Financial Services Committee Sen. Ann Duplessis
09/30/09 Perspectives on the Consumer Financial Protection Agency House Financial Services Committee R. Michael S. Menzies, Sr.
09/23/09 The Impact of Financial Regulatory Restructuring on Small Business House Small Business Committee James D. MacPhee
07/15/09 Banking Industry Perspectives on the Obama Administration’s Financial Regulatory Reform Proposals House Financial Services Committee R. Michael S. Menzies, Sr.
07/15/09 Economic Recovery: Tax Stimulus Items that Benefitted Small Business with a Look Ahead House Small Business Committee R. Michael S. Menzies, Sr.
07/08/09 The Effects of the Economic Crisis on Community Banks and Credit Unions in Rural Communities Senate Banking, Housing and Urban Affairs Committee - Subcommittee on Financial Institutions Jack Hopkins
06/11/09 Credit Conditions in Rural America House Subcommittee on Conservation, Credit, Energy and Research Fred Bauer
06/10/09 Laying the Groundwork for Economic Recovery: Expanding Small Business Access to Capital House Small Business Committee Cynthia Blankenship
04/23/09 H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act of 2009 House Financial Services Committee R. Michael S. Menzies, Sr.
03/25/09 Exploring the Balance between Increased Credit Availability and Prudent Lending Standards House Financial Services Committee R. Michael S. Menzies, Sr.
03/24/09 Modernizing Bank Supervision and Regulation, Part II Senate Banking, Housing & Urban Affairs Committee William R. Attridge
03/19/09 H.R. 627, the Credit Cardholders' Bill of Rights Act of 2009 House Financial Services Committee Linda Echard
03/19/09 Current Issues in Deposit Insurance Senate Subcommittee on Financial Institutions Stephen J. Verdier
03/17/09 Regulation of Systemic Risk in the Financial Services Industry House Committee on Financial Services Terry Jorde
03/17/09 “Too Big To Fail” - The Role of Antitrust Law in Government-Funded Consolidation House Committee on the Judiciary Subcommittee on Courts and Competition Policy Mr. C. R. Cloutier
03/12/09 Mark-to-Market Accounting: Practices and Implications House Subcommittee on Capital Markets, Insurance and GSEs Thomas Bailey
03/04/09 TARP Oversight: Is TARP Working for Main Street? House Subcommittee on Financial Institutions and Consumer Credit C.R. Cloutier
02/03/09 Promoting Bank Liquidity and Lending through Deposit Insurance, Hope for Homeowners and Other Enhancements House Financial Services Committee R. Michael S. Menzies, Sr.
01/14/09 The State of the Small Business Economy and Identifying Policies to Promote an Economic Recovery House Small Business Committee Paul G. Merski
01/13/09 Priorities for the Next Administration: Use of TARP Funds Under EESA House Financial Services Committee Cynthia Blankenship

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110th Congress

Date Title Committee Presenter
11/18/08 Oversight of Implementation of the Emergency Economic Stabilization Act of 2008 and of Government Lending and Insurance House Financial Services Committee Cynthia Blankenship
10/21/08 Financial Restructuring & Reform House Financial Services Committee Michael R. Washburn
09/16/08 HUD's Proposed RESPA Rule House Subcommittee on Oversight and Investigations Written Statement
06/18/08 S-Corps: Recommended Reforms That Promote Parity, Growth and Development for Small Businesses House Subcommittee on Finance and Tax Cynthia Blankenship
06/05/08 The Housing Crisis: Identifying Tax Incentives to Stimulate the Economy House Small Business Committee John W. Puffer, III
05/22/08 RESPA and Its Impact on Small Business House Small Business Committee Written Testimony
04/30/08 The Effect of the Credit Crunch on Small Business Access to Capital House Subcommittee on Finance and Tax David G. Schroeder
04/17/08 The Credit Cardholders' Bill of Rights: Providing New Protections for Consumers House Subcommittee on Financial Institutions and Consumer Credit Written Testimony
04/16/08 The Impact of the Credit Crunch on Small Business Senate Small Business and Entrepreneurship Committee Cynthia Blankenship
04/03/08 The Role of Credit Cards in Small Business Financing House Small Business Committee William C. Rosacker
03/06/08 The Need for Credit Union Regulatory Relief and Improvements House Financial Services Committee R. Michael Stewart Menzies, Sr.
02/13/08 Implementation of The Community Reinvestment Act House Financial Services Committee Cynthia Blankenship
01/17/08 U.S. Export-Import Bank's Assistance to Small Businesses House Small Business Committee Paul Warfield
12/12/07 Sarbanes-Oxley Section 404: New Evidence on the Costs for Small Businesses House Small Business Committee William A. Loving Jr.
10/04/07 Industrial Loan Companies Senate Banking Committee Written Statement
09/20/07 Legislative and Regulatory Options for Minimizing and Mitigating Mortgage Foreclosures House Financial Services Committee Written Statement
07/19/07 Credit Card Interchange Fees House Judiciary Committee Anti-Trust Task Force John Buhrmaster
06/05/07 Sarbanes-Oxley Section 404 House Small Business Committee Written Statement
05/10/07 Suspicious Activity and Currency Transaction Reports House Subcommittee on Oversight and Investigations R. Michael Steward Menzies, Sr.
04/25/07 Industrial Loan Companies House Financial Services Committee James P. Ghiglieri
04/18/07 Sarbanes Oxley and Small Business Senate Committee on Small Business and Entrepreneurship Written Statement
03/27/07 The Availability of Credit in Rural America House Subcommittee on Conservation, Credit, Energy and Research Frank A. Pinto
03/12/07 Legislative Proposals on GSE Reform House Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises Mike Menzies
03/07/07 Review of the Current Financial Structure of Renewable Energy Sources House Subcommittee on Conservation, Credit, Energy and Research Dave Reyher
03/01/07 Increasing Access to Capital for Our Nation's Small Businesses House Small Business Committee David G. Schroeder

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109th Congress

Date Title Committee Presenter
09/26/06 Basel Capital Accord Update Senate Banking Committee Written Statement
09/14/06 A Review of Regulatory Proposals on Basel Capital and Commercial Real Estate (Oral Statement) House Subcommittee on Financial Institutions and Consumer Credit James H. McKillop
09/14/06 A Review of Regulatory Proposals on Basel Capital and Commercial Real Estate House Subcommittee on Financial Institutions and Consumer Credit James H. McKillop
07/12/06 Industrial Loan Charters: Oral Statement House Subcommittee on Financial Institutions and Consumer Credit Terry Jorde
07/12/06 Industrial Loan Charters: Testimony House Subcommittee on Financial Institutions and Consumer Credit Terry Jorde
06/13/06 Review of USDA Loan Programs Senate Agriculture Committee Pete Haddeland
05/25/06 Oversight of the Office of Thrift Supervision House Subcommittee on Oversight and Investigations Theodore Gurzynski
05/25/06 Impact of Big-Box Retailers on Small Businesses House Committee on Small Business Written Statement
05/18/06 H.R. 5341, Seasoned Customer CTR Exemption Act of 2006 House Subcommittee on Financial Institutions and Consumer Credit Robert Rowe
05/11/06 H.R. 3206, Credit Union Charter Choice Act House Subcommittee on Financial Institutions and Consumer Credit Written Statement
05/03/06 Sarbanes Oxley Section 404: What is the Proper Balance Between Investor Protection and Capital Formation for Smaller Public Companies? House Small Business Committee Mark A. Schroeder
04/10/06 Public Hearing on the Proposed Wal-Mart Bank's Application for Federal Deposit Insurance (Written Statement) FDIC Terry J. Jorde
04/10/06 Public Hearing on the Proposed Wal-Mart Bank's Application for Federal Deposit Insurance (Oral Statement) FDIC Terry J. Jorde
04/10/06 Public Hearing on the Proposed Wal-Mart Bank's Application for Federal Deposit Insurance (Summary) FDIC Terry J. Jorde
04/05/06 H.R. 4777: The Internet Gambling Prohibition Act House Subcommittee on Crime, Terrorism and Homeland Security Samuel A. Vallandingham
03/01/06 Consideration of Regulatory Relief Proposals Senate Committee on Banking, Housing & Urban Affairs Terry Jorde
11/10/05 The Development of New Basel Capital Accords Senate Committee on Banking, Housing & Urban Affairs Written Testimony
11/03/05 Review of the Credit Union Tax Exemption House Ways and Means Committee David E. Hayes
10/18/05 H.R. 3505: Financial Services Regulatory Relief Act 2005 House Subcommitte on Financial Institutions and Consumer Credit David E. Hayes
09/28/05 Current Status of Basel II House Subcommitte on Financial Institutions and Consumer Credit Written Testimony
09/14/05 Hurricane Katrina: The Financial Institutions' Response House Subcommittee on Financial Institutions and Consumer Credit C.R. (Rusty) Cloutier
06/23/05 Banking on Retirement Security: A Guaranteed Rate of Return House Subcommittee on Financial Institutions and Consumer Credit J. Lamar Roberts
06/21/05 Consideration of Regulatory Relief Proposals Senate Committee on Banking, Housing and Urban Affairs David Hayes
06/17/05 Ways to Scale Securities Regulations for Smaller Public Companies SEC Advisory Committee on Smaller Public Companies William A. Loving, Jr.
05/24/05 Petition for Rulemaking to Preempt Certain State Laws FDIC Karen M. Thomas
05/19/05 Financial Services Regulatory Relief: Private Sector Prespectives House Subcommittee on Financial Institutions and Consumer Credit Terry Jorde
05/11/05 Basel II: Capital Changes in the U.S. Banking System and the Results of the Impact Study House Subcommitte on Financial Institutions and Consumer Credt and House Subcommittee on Domestic and International Monetary Policy, Trade and Technology Written Testimony
04/20/05 Implementing the Check Clearing for the 21st Century Act House Financial Institutions & Consumer Credit Subcommittee David Hayes
04/19/05 Proposals for Reforming the Regulation of the Government-Sponsored Enterprises Senate Committee on Banking, Housing and Urban Affairs David E. Hayes
02/10/05 Bankruptcy Reform Senate Judiciary Committee R. Michael Menzies

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108th Congress

Date Title Committee Presenter
09/29/04 FCS Role in Agriculture Lending House Agriculture Subcommittee John Evans, Jr.
08/23/04 The 9/11 Commission Report: Identifying and Preventing Terrorist Financing House Financial Services Committee Written Statement
07/13/04 Gramm-Leach-Bliley Act Senate Committee on Banking, Housing and Urban Affairs Terry Jorde
06/22/04 Regulatory Reform Proposals Senate Committee on Banking, Housing and Urban Affairs Dale Leighty
06/02/04 Farmer Mac House Agriculture Committee John Evans, Jr.
05/12/04 Regulatory Relief for America's Community Based Banks House Financial Institutions and Consumer Credit Subcommittee Dale Leighty
04/15/04 Merger of Bank One Corporation into J.P. Morgan Chase & Co. Federal Reserve Bank of New York Chris Cole
01/28/04 Congressional Review of OCC Preemption House Financial Services Committee Karen M. Thomas
01/23/04 Federal Home Loan Bank Governance Federal Housing Finance Board David Hayes
01/14/04 Bank of America/Fleet Merger Federal Reserve Chris Cole
01/06/04 HUD's Proposed RESPA Rule House Committee on Small Business R. Michael Menzies, Sr.
10/23/03 Regulation of Housing GSEs Senate Committee on Banking, Housing and Urban Affairs Dale J. Torpey
10/16/03 New Cooperative Business Structures House Agriculture Committee Jim Caspary
06/26/03 FCS Non-Farm Lending Farm Credit Administration John Dean
06/26/03 FCS Non-Farm Lending Farm Credit Administration Jim Caspary
06/26/03 FCS Non-Farm Lending Farm Credit Administration Curtis Griffith
06/19/03 S Corporation Reforms House Ways & Means Subcommittee on Select Revenue Measures C.R. (Rusty) Cloutier
06/19/03 The New Basel Accord-In Search of a Unified U.S. Position House Financial Institutions & Consumer Credit Subcommittee Karen M. Thomas
06/12/03 The Role of FCRA in the Credit Granting Process House Financial Institutions & Consumer Credit Subcommittee C.R. (Rusty) Cloutier
04/08/03 Check Clearing for the 21st Century Act House Financial Institutions & Consumer Credit Subcommittee C.R. (Rusty) Cloutier
03/05/03 Interest on Business Checking House Financial Institutions & Consumer Credit Subcommittee R. Michael Stewart Menzies, Sr.
03/05/03 Interest on Business Checking Accounts House Financial Institutions and Consumer Credit Subcommittee R. Michael Stewart Menzies, Sr.
02/25/03 RESPA House Financial Services Housing Committee Written Testimony

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107th Congress

Date Title Committee Presenter
12/02/02 FHLBank Securities Disclosures Federal Housing Finance Board Written Testimony
04/25/02 Financial Services Regulatory Relief Act of 2002 House Financial Institutions & Consumer Credit Subcommittee A. Pierce Stone
03/01/02 SBA Lending Programs House Small Business Committee Paul Merski
08/03/01 OFIs & FCS Relationships FCA Public Hearing Gary Weirauch
08/03/01 OFIs & FCS Relationships FCA Public Hearing Bill Knox
08/02/01 Deposit Insurance Reform Senate Committee on Banking, Housing and Urban Affairs Robert I. Gulledge
08/02/01 Rural Development in the New Farm Bill Senate Agriculture Committee Steve Lane
08/02/01 SEC Broker-Dealer Exceptions House Financial Services Committee K. Reid Pollard
07/17/01 Value-Added Agriculture House Small Business Subcommittee on Rural Enterprise, Agriculture and Technology Terry Jorde
06/20/01 Agricultural Credit Issues House Agriculture Committee Dale Leighty
05/16/01 Deposit Insurance Reform House Financial Institutions & Consumer Credit Subcommittee Robert I. Gulledge
05/16/01 New Farm Bill and Farm Credit Initiatives Senate Agriculture Committee John Evans Jr.
03/13/01 Interest on Business Checking Accounts House Financial Services Committee Robert I. Gulledge
02/26/01 National Charters Senate Agriculture Committee Dale Leighty
02/03/99 NCUA Implementation of the Credit Union Membership Access Act of 1998 House Subcommittee on Financial Institutions and Consumer Credit Lee Stenehjem

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