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Hot Topics & Advocacy

Dodd-Frank Act developments are tagged .

Hot Topics
Countdown to Comment Deadlines
 Compliance Calendar
 Get Involved: Section 1100G of the Dodd-Frank Act (DFA) (1/10/12)

• May 25:  Fed Amends Proposal on Nonbank Firm Supervision
• May 29: Enforcement of Subsidiary and Affiliate Contracts by the FDIC as Receiver of a Covered Financial Company  
• May 29: Assessments, Large Bank Pricing 
• Extended to June 11: FinCEN Requests for Comments on CDD Requirements for Financial Institutions. See the extension notice.
• June 11:   CFPB Proposes Revisions to Rule on Credit Card Upfront Fees
• Extended to June 29:  CFPB Inquiry on Overdraft Practices. See the extension notice. 
• How to Write an Effective Comment Letter

Major Regulatory Initiatives

• Basel II Risk-based Capital
• Credit CARD Act
• Dodd-Frank Act Resources
• FACTA/FCRA Status Chart
• Final Rules Chart
• Homeowner Affordability and Stability Plan
• Identity Theft Topics
• Mortgage Reform Initiatives
• Overdraft Protection Topics page
• Regulation R, SEC "Push Out" Regulation
• Regulatory Burden

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Government Statements of Interest

• OCC's Walsh Discusses Efforts to Correct Foreclosure Practices (3/26/12)
• Bair Questions Homeowner Tax Breaks (6/7/10)
• Missouri's Rep. Luetkemeyer: Reform Hurts Main Street Banks (5/25/10)
• Geithner Says Military Needs Passage of Financial Reform Bill (3/25/10)
•  Geithner: Reform Bill Must Provide Strong Consumer Protection (3/22/10)
•  Chairman Frank Memo Clarifying CFPA Coverage (1/21/10)
• Bair: Fed's Failure to Regulate Subprime Lending Contributed to Crisis (1/14/10)
• Duke Outlines Four Principles for New Mortgage System (12/11/09)
•  OCC Expresses Concern on CFPA Proposal (8/4/09)
• Testimony of Fed Governor Tarullo on Regulatory Restructuring (7/23/09)
• Duke Defends Fed's Consumer Protection Role (7/17/09)
• Reps. Maloney, Frank, Gutierrez ask Fed to Curb Bank Overdraft Abuses (5/28/09)
• Chairman Bernanke's Remarks on Financial System Reform (3/10/09)
• President Obama's Remarks After Regulatory Reform Meeting (2/25/09)
• Fed's New Web Resource on Credit and Liquidity Programs and the Balance Sheet (2/23/09)
• White House Directs Delay in Publishing New Regulations (1/20/09)

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Significant Legislative Developments

• ABA-supported Financial Institutions Examination Fairness and Reform Act (H.R. 3461) (1/18/12)
  • ABA urges all bankers to contact their House Members TODAY and ask them to support H.R. 3461
• H.R. 4173 Wall Street Reform and Consumer Protection Act of 2009 (1/15/10)
• Background and Other Materials on the Consumer Financial Protection Agency Proposal
• CRA Modernization Act of 2009
• Maloney Introduces Overdraft Protection Bill (10/22/09)

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Noteworthy in the News

• FinReg21 Article: This Economy: Banks aren't shopping for more lenient charter (1/17/10)
• Supreme Court Rules in Favor of Banks in Wachovia V. Watters (4/17/07)

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Issues & Advocacy
Comment and Other Letters

•   ABA Comment on Small Business Regulatory Enforcement Fairness Act Panels (4/24/12)
•  ABA Comments on CFPB Payday Lending Hearing (4/17/12)
•  ABA Supports CFPB's Proposal on Privileged Bank Information (4/16/12)
•  ABA Requests for Comment Extension on CFPB Inquiry on Overdraft Practices (4/10/12)
•  ABA Comment on CFPB Remittance Rule (4/9/12)
•  ABA Comment on CFPB's Proposed Prototype Credit Card Contract (3/7/12)
•  ABA Comment on CFPB Regulatory Streamlining (3/5/12)
•  Extension Request: Notice of Streamlining Project (2/10/12)
•  ABA Comment on Disclosure of Certain Credit Card Complaint Data (1/30/12)
• Comments regarding Proposed Rulemaking on the "Discriminatory Effects Standard" of the Fair Housing Act (1/17/12)
• Comment on Regulation J Regarding Collection of Checks (12/19/11)
• Comment on Regulation D to Simplify the Administration of Reserve Requirements (12/19/11)
• ABA Comments on FinCEN CMIR Proposal, Definition of Monetary Instrument (12/16/11)
• ABA: NACHA Processing Proposal Needs More Evaluation (12/12/11)
• ABA Comment: Guidance and Proposed Revisions on Flood Insurance Q&As (12/1/11)
•  ABA Urges Principled Approach for Outreach to the Unbanked (11/18/11)
• ABA Comment on FinCEN's Proposal: Mandatory E-filing by June 2012 (11/15/11)
•  Joint Comment on Debit Card Fraud Prevention Adjustment (9/30/11)
•  Joint Comment to CFPB on Disclosure of Records and Information (9/26/11) 
•  Joint Comment to CFPB on Interim Final Rules on Investigations, and Interim Final Rules of Practice Governing Adjudication Proceedings (9/26/11)
•  Letter to CFPB on Alternative Mortgage Transaction Parity (Regulation D) (9/22/11)
•  ABA to the Agencies: Don't Add New Overdraft Program Requirements (8/24/11)
• ABA Comments on NACHA Pain Points Rules — Phase Two (8/19/11)
•  Comment on Defining Larger Participants in Consumer Financial Products & Services Markets (8/15/11)
•   Capital Requirements of Swap Dealers and Major Swap Participants (8/12/11)
•  ABA Comments on CFPB's New Mortgage Forms (8/10/11)
•  ABA Urges OCC to Withdraw Proposed Consumer Credit Product Guidance (8/5/11)  
• Archived Public Comments   

Testimony

• ABA Testifies on Impact of Regulatory Compliance Costs on Community Banks (5/9/12)
• ABA Testifies on H.R. 3461, Exam Relief Bill (2/1/12)
•  ABA Testifies on the Consumer Financial Protection Bureau (CFPB) (7/19/11)
•  ABA Testifies on the Consumer Financial Protection Bureau (CFPB) (4/6/11)
•  ABA Testifies on Impact of Dodd-Frank Act on Community Banks (3/2/11)
•  ABA Testifies on Proposed Rules regarding Interchange Fees (2/17/11)
•  ABA Banker Describes Community Banks' Regulatory Pressures (1/26/11)
• Statement for the Record: TARP has been Mischaracterized, ABA says (1/26/11)
• ABA Testifies on Ending Too-Big-To-Fail/Systemic Risk (10/29/09)
•  ABA: CFPA Proposal Unnecessarily Imposes New Burdens on Banks (9/30/09)
• ABA Banker Testifies on Regulatory Restructuring and Small Business Lending (9/23/09)
• ABA Testifies on Proposals for Financial Regulatory Reform (7/15/09)
• ABA Testifies on Proposal for a Consumer Financial Protection Agency (7/14/09)
• ABA: Consumer Agency Not a Solution to Economic Problems (6/24/09)
• ABA Testimony Regarding Mortgage Reform (4/23/09)
• ABA Testifies on Regulatory Restructuring (3/24/09)
• Overdraft Protection Bill Would Have Unintended Consequences (3/19/09)
• ABA Testimony on Restructuring Financial Services (3/17/09)
• ABA Testimony Regarding Modernizing Consumer Protection (2/12/09)
• Archived Testimony

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ABA Press Statements

• ABA Response to CFPB Overdraft Study (2/22/12)
• ABA President and CEO Frank Keating on Cordray Appointment as CFPB Head (1/4/12)
• ABA Response to Retailer Lawsuit against Federal Reserve (11/22/11)
• ABA Warns Consumers of Phishing Scams (10/26/11)
• Banking on a New Generation of Good Credit Habits (10/18/11)
• ABA Launches National Bank Crime Database (9/22/11)
• ABA Survey: Most Bank Customers Pay Nothing For Bank Services (9/1/11)
• ABA Statement on Fed Interchange Rule (6/29/11)
• ABA Urges Fed to Revise Rule on Debit Card Interchange (6/20/11)
• ABA Tells Obama Regulatory Burden Impedes Economic Growth (1/19/11)
• ABA Sends Letter To Regulators Raising Concerns Over Risk Retention Provisions For Qualified Residential Mortgages (1/12/11)
• ABA News Releases

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Surveys and Studies
ABA Compliance Weekly Survey Question Archive  | ABA's Regulatory Burden Evaluation Tool 

• ABA White Paper on Bank Supervision and Examination (April 2012)
• FDIC Model Safe Accounts Pilot: Final Report (4/26/12)
• Fed Boston on Credit Scores and Payment Behavior (February 2012)
• 2011 Compliance Officers Survey  (December 2011)
• GMU Working Paper: The Economics and Regulation of Bank Overdraft Protection (October 2011)
• FRB: Designing Disclosures — Lessons Learned from Consumer Testing (August 2011)
•  Fed Issues Report on Remittance Transfers (7/19/11) 
•  CFPB Report Details Credit Report Differences (7/19/11)
• The Post-Foreclosure Experience of U.S. Households (May 2011)
• GAO Report on Elder Abuse (3/2/11)
• GAO Study Suggests Federal Employees Limited Use of Payday Lending (1/28/11)
• GAO Report: Nonprime Loans Caused Surge in Mortgage Foreclosures (August 2010)
• Fed: Applying Card Act Restrictions to Small-Biz Cards Could Increase Costs, Cut Credit (6/2/10)
• Poll Finds Financial Overhaul Draws More Concern Than Confidence (4/8/10)
• 2009 Compliance Officers Survey
• 2009 ABA Deposit Account Fraud Survey Report
• FDIC Releases National Survey on Unbanked and Underbanked (12/2/09)
• GAO study: Lowering Interchange Fees Ultimately Could Harm Consumers (11/19/09)
• Fed Working Paper Discusses Loan Modifications to Address Mortgage Crisis (10/28/09)
• GAO Report Says Fair Debt Collection Practices Act (FDCPA) Should be Modified (10/21/09)
• Survey: Banks Used CPP Funds to Increase Lending (7/21/09)
• CFSI Studies Comparison of Monthly Financial Services Spending (6/3/09)
• Boston Fed: Loan Modifications May Not Stem Foreclosures (4/14/09)
• FDIC Releases Survey Results of Unbanked and Underbanked (2/5/09)
• Credit Card Issuers Survey, Spring 2008
• 2007 Compliance Survey Results Show Compliance Officers Do Multiple Tasks 
• GAO Report Shows Interchange-Rate Price Controls Can Hurt Consumers(5/15/08)
• Freddie Mac: ARMs Losing Their Appeal (1/15/08)
• CRA Helped Mitigate Foreclosures, Study Says (1/7/08)
• Fed Credit Score Predictability Study (8/07)
• CRS Report Examines Data Breach Rules (8/29/07)
• GAO Study Finds Data Breaches Frequent But Link to ID Theft Limited (7/5/07)
• FinCEN Report Says Cross-Border Wire Reporting Feasible (1/18/07)  
• FTC and FRB: Report on FCRA Dispute Resolution Process (8/06)
• OCC Studies Selectivity Bias in Certain Credit Score Models (12/27/04)

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