Banking & Financial Services Partners Project
Meeting Summaries and Handouts
2005 NCSL Annual Meeting || 2005 NCSL Spring Forum || 2004 NCSL Fall Forum
|| 2004 NCSL Annual Meeting || 2004 NCSL Spring Forum || 2003 NCSL Fall Forum
Updated September 7, 2005
2005 NCSL Annual Meeting
August 16-20, 2005
Seattle, Washington
Who's Handling My Mortgage?
Wednesday, August 17, 2005, 10:15 a.m. - 11:45 a.m.
The market has been huge for home buying and mortgage refinancing in the last few years. All the growth in the mortgage industry has brought about more players in the mortgage market. There are mortgage bankers, brokers, lenders, services and loan originators who all work on mortgages. But, what do these different people do and are they regulated? Come learn about the different players in the mortgage industry.
Moderator:
Representative Donna Stone, Delaware
Chair, FSL Banking Partners Project
Speakers:
Tim Doyle, Director, Government Affairs, Mortgage Bankers Association, Washington, D.C.
Joseph Falk, Legislative Chairman, National Association of Mortgage Brokers, Miami, Florida
Loren Morris, Senior Vice President-Business Relations, HSBC North America
Peter Schneider, Executive Vice President/General Counsel, Primerica, Duluth, Georgia
Joseph A. Smith, Jr., Commissioner of Banks, Raleigh, North Carolina
Handouts:
HSBC PowerPoint Presentation
Mortgage Bankers Association PowerPoint Presentation
National Association of Mortgage Brokers Model State Statute Initiative
Commissioner Joseph Smith's PowerPoint Presentation
NCSL 2005 Mortgage Licensing Legislation Handout
FSL Banking Partners Project Business Meeting
Tuesday, August 16, 2005, 3:00 p.m. - 4:00 p.m.
Steering Committee Meeting Summary
Members of NCSL's Foundation for State Legislatures Partnership Project on Banking met to discuss the Financial Literacy publication and possible project deliverables for the second phase of the FSL Banking Partners Project.
Presiding:
Representative Donna Stone, Delaware
Money+Knowledge=Financial Literacy
Friday, April 15, 2005, 2:30 p.m. - 4:00 p.m.
In light of rising consumer debt and bankruptcy rates, what can state legislators, educators and interested organizations do to better prepare individuals to manage their finances? How can policymakers, educators and financial institutions work together to improve financial literacy?
Moderator:
Representative Donna Stone, Delaware
Panelists:
William Cheeks, Midwestern & Eastern States Director, Jump$tart Coalition, Georgia
Dan Iannicola, Jr., Deputy Assistant Secretary for Financial Education, U.S. Department of Treasury, Washington, D.C.
Heather Tyler, Office of Financial Education, Pennsylvania
Handouts:
U.S. Department of Treasury PowerPoint
Pennsylvania's Task Force for Working Families
NCSL's Financial Literacy: A Primer for Policymakers
FSL Banking Partners Project Business Meeting
Friday, April 15, 2005, 4:00 p.m. - 5:00 p.m.
Steering Committee Meeting Summary
Members of NCSL's Foundation for State Legislatures Partnership Project on Banking met to discuss the Financial Literacy publication and possible project deliverables for the second phase of the FSL Banking Partners Project.
Presiding:
Representative Donna Stone, Delaware
How Do You Get Short-Term Money Without Robbing a Bank?
Thursday, December 9, 9:45 a.m. - 11:00 a.m.
Payday loans, installment loans, title loans, and check cashers provide money to consumers on a short-term basis. But, what are these services and how do they work? This session will compare and contrast the different short-term loan products. Come to this session to learn how to distinguish between these products and how they are currently regulated.
Moderator:
Representative Donna Stone, Delaware
Panelists:
Mike Calhoun, General Counsel, Self-Help Credit Union, North Carolina
John McCloskey, Vice President & General Counsel, Community Loans of America, Georgia
Andrew Morrison, Executive Vice President and Director, Brundage Management, Texas
John Rabenold, Vice President of Government Affairs, Community Financial Services Association, Ohio
Bob Rochford, Financial Service Centers of America, New Jersey
Handouts:
NCSL: Payday Lending Laws and Legislation
NCSL: Title Lending Legislation
Andrew Morrison: Small-Installment Loan Industry Summary
CFSA: Payday Advance Industry Overview
John McCloskey: Everything that You Wanted to Know About Title Loans
FSL Banking Partners Project Business Meeting
Thursday, December 9, 4:00 p.m. - 5:00 p.m
Steering Committee Meeting Summary
Members of NCSL's Foundation for State Legislatures Partnership Project on Banking met to discuss the project deliverables and possible project deliverables for the second phase of the FSL Banking Partners Project.
Presiding:
Representative Donna Stone, Delaware
Financial Privacy in the Global Economy
Tuesday, July 20, 1:30 p.m. - 2:30 p.m.
Transnational companies' use of consumer financial information in the United States and overseas has created worries about the safety of the information. This session compares current financial privacy protections in the United States with those in other countries.
Moderator:
Ryan Wilson, Department of Legislative Services, Maryland
Panelists:
Senator Jerahmiel (Jerry) Grafsten, Co-Chair, Canadian Section, Canada-U.S. Inter-parliamentary Group, Canada
Shelley Curran, Policy Analyst, Consumers Union
Oliver I. Ireland, Partner, Morrison & Foerster
Marc Loewenthal, SVP Corporate Affairs & Chief Privacy Officer, New Century Financial Group
Thomas A. Murray, Senior Financial Analyst, FDIC
Handouts:
NCSL 2004 Financial Privacy Legislation (Pending) and (Enacted)
Consumers Union California Financial Information Privacy Act Fact Sheet
FDIC Report (PDF) "Offshore Outsourcing of Data Services by Insured Institutions and Associated Consumer Privacy Risks"
Marc Loewenthal's PowerPoint Presentation
FSL Banking Partners Project Business Meeting
Wednesday, July 21, 7:00 a.m. - 8:00 a.m.
Steering Committee Meeting Summary
Members of NCSL's Foundation for State Legislatures Partnership Project on Banking met to plan the 2004 Fall Forum session and to discuss the project deliverables.
Presiding:
Representative Donna Stone, Delaware
NCSL's Standing Committees Spring Forum
April 29-May 1, 2004
Washington, D.C.
Enforcing Predatory Mortgage Lending Laws
Thursday, April 29, 1:00 p.m. - 2:45 p.m.
Several states and the federal government have passed laws to combat predatory mortgage lending practices. This session will involve a roundtable discussion focused on the effectiveness of these laws.
Moderator:
Representative Donna Stone, Delaware
Panelists:
Michael Bylsma, Director, Division of Community and Consumer Law, the Office of the Comptroller of the Currency
Chris Kukla, Assistant General Counsel, Self-Help Credit Union
Steve O'Connor, Vice President of Industry and Policy Development, Government Affairs, Mortgage Bankers Association
Joshua Silver, Vice President of Research & Policy, National Community Reinvestment Coalition
Nina Simon, Senior Attorney, AARP Foundation Litigation
Laura Udis, President, National Association of Consumer Credit Administrators
Joel Winston, Associate Director, Division of Financial Practices, Federal Trade Commission
Montrice Yakimov, Senior Vice President, Regulatory Affairs, Conference of State Bank Supervisors
Handouts:
NCSL 2004 Predatory Mortgage Lending State Legislation (Pending) and (Enacted)
NCSL Predatory Mortgage Lending Laws Chart
Mortgage Bankers Association (PDF) "June 2003 Enforcement Summit Summary Report"
CRL Report (PDF) "The Impact of North Carolina's Anti-Predatory Lending Law: A Descriptive Assessment"
CRL Report (PDF) "North Carolina's Subprime Home Loan Market After Predatory Lending Reform"
NCRC Report (PDF) "The Broken Credit System: Discrimination and Unequal Access to Affordable Loans by Race and Age"
OCC Working Paper "Economic Issues in Predatory Lending"
FSL Banking Partners Project Business Meeting
Saturday, May 1, 1:45 p.m. - 2:45 p.m.
Steering Committee Meeting Summary
Members of NCSL's Foundation for State Legislatures Partnership Project on Banking met to plan the Annual Meeting session and to discuss the project deliverables.
Presiding:
Representative Donna Stone, Delaware
NCSL's Standing Committees Fall Forum
December 9, 2003
Washington, D.C.
FSL Banking Partners Project Business Meeting
Friday, December 12, 1:30 p.m. - 2:30 p.m.
Steering Committee Meeting Summary
Members of NCSL's Foundation for State Legislatures Partnership Project on Banking met to plan the Spring Forum session and to discuss other possible project deliverables.
Presiding:
Representative Donna Stone, Delaware
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