Appointments of new members and designation of the chair and vice chair of the consumer advisory council. (Announcements).

The Federal Reserve Board named ten new members to its Consumer Advisory Council for three-year terms and designated a new chair and vice chair of the council for 2003.

The council advises the Board on the exercise of its responsibilities under the Consumer Credit Protection Act and on other matters in the area of consumer financial services. The council meets three times a year in Washington, D.C.

Ronald Reiter was designated chair; his term runs through December 2003. Mr. Reiter is supervising deputy attorney general for the California Department of Justice.

Agnes Bundy Scanlan was designated vice chair; her term on the council ends in December 2004. Ms. Scanlan is managing director and chief compliance officer for FleetBoston Financial.

The ten new members are the following:

Susan Bredehoft Cherry Hill, New Jersey

Ms. Bredehoft is senior vice president for compliance risk management for Commerce Bancorp. She has responsibility for developing and implementing the compliance-risk-management program for consumer protection and disclosure regulations, privacy, fair lending, community reinvestment, and anti-money-laundering regulations. Previously, Ms. Bredehoft was senior vice president and director of compliance for Summit Bancorp, where she managed the community reinvestment and compliance programs. She has spoken on community development, fair lending, compliance, and audit topics. Ms. Bredehoft is the chair of the Finance and Audit Committee for the New Jersey Community Loan Fund, serves on the Compliance Committee of the New Jersey Banker's Association, and is a Trustee of St. Peter's College in Jersey City, New Jersey.

Dan Dixon Washington, Disrict of Columbia

Mr. Dixon is group senior vice president and director of Government relations for World Savings Bank, FSB. During his career at World, his responsibilities have included mortgage loan origination and servicing, customer relations, regulatory compliance, and community outreach. In addition, Mr. Dixon serves on the Board of Neighborhood Housing Services of America, Inc. (NHSA), a national nonprofit secondary mortgage market intermediary. For six years, he was chairman of NHSA. At NHSA, he supported introduction of a new loan product for low-income borrowers with funding from the Federal Home Loan Bank Affordable Housing Program. Mr. Dixon previously served on the board of East Bay Habitat for Humanity in Oakland, California.

James Garner Baltimore, Maryland

Mr. Garner is senior Vice president and associate general counsel for Washington Mutual, Inc., an organization providing consumer banking, mortgage lending, commercial banking, and consumer financial services. Mr. Garner leads a group of attorneys and manages the consumer finance company subsidiary's compliance department. He recently participated in the development of Responsible Mortgage Lending Principles for the organization and participates in the company's Fair Lending Steering and the Public Policy Issues Management committees. Mr. Garner also works on a pilot program to move subprime customers into the organization's prime lending segment and regularly meets with consumer advocate groups to discuss predatory lending and responsible lending practices. Mr. Garner chairs a subcommittee for the Law Committee of the American Financial Services Committee and is an officer and member of the Governing Committee of the Conference on Consumer Finance Law.

Charles Gatson Kansas City, Missouri 

Mr. Gatson is vice president of Midtown Community Development Corporation doing business as Community Builders of Kansas City, an affiliate of Model Cities Health Corporation, an organization that provides innovative social, health-care, and community economic development services to the urban community. Mr. Gatson directs the corporation's community economic development efforts that include a $100 million urban revitalization program in Kansas City's urban core. The program includes a healthcare facility, single- and multifamily housing and an 85,000-square-foot H&R Block customer service center in a predominantly African American community. Mr. Gatson is a member of many civic organizations, including the Urban League of Greater Kansas City, the Urban Land Institute's Inner City Advisor Coordinating Committee, and Fannie Mae's Housing Impact Advisory Committee. In 2002, he received the James A. Johnson Community Fellows Award from the Fannie Mae Foundation.

James King Cincinnati, Ohio

Mr. King is president and chief executive officer of the Community Redevelopment Group in Cincinnati. His responsibilities include administering the day-to-day operations of residential and commercial development and construction, marketing, and management for two community development corporations, the Avondale Redevelopment Corporation and the Walnut Hills Redevelopment Foundation. Mr. King is a member of several community organizations including the City of Cincinnati Economic Development Task Force, the National Congress for Community Economic Development, and the Neighborhood Development Corporations Association of Cincinnati. He is also co-chair of Cincinnati CAN (Community Action Now) and a member of The Federal Home Loan Bank of Cincinnati Advisory Council and the Cincinnati Park Board Master Plan Advisory Committee. In 2001, Mr. King received the James A. Johnson Community Fellows Award from the Fannie Mae Foundation.

Elsie Meeks Kyle, South Dakota 

Ms. Meeks is the executive director of First Nations Oweesta Corporation, a subsidiary corporation of First Nations Development Institute. The corporation focuses on enhancing the capacity of Native American tribes and communities by providing technical assistance and training for the development and expansion of Native American community development financial institutions. Previously, Ms. Meeks helped develop and was Executive Director of The Lakota Fund, which is a Native American community development financial institution on the Pine Ridge Indian Reservation in southwestern South Dakota, specializing in small business development and microenterprise development. Ms. Meeks is a board member of the National Community Capital Association and, in 1994, received the "South Dakota Minority Small Business Advocate of the Year" award. She was appointed by Senate Majority Leader Tom Daschle to serve as the first Native American on the U.S. Commission on Civil Rights.

Mark Pinsky Philadelphia, Pennsylvania

Mr. Pinsky is president and chief executive officer of the National Community Capital Association, a leading network of community development financial institutions (CDFIs). He is responsible for the association's strategic direction and performance and has created new products including the Equity Equivalent Investment and the Virtual Learning Center. Mr. Pinsky is widely recognized as the voice of the CDFI industry and the leading advocate for a strong, performance-based CDFI Fund in the U.S. Department of the Treasury. He has published and lectured extensively on CDFIs and the Community Reinvestment Act. In 2002, he provided the keynote address at the Third Annual U.K. Community Development Finance Conference in Scotland and spoke on "Lessons from the U.S. CDFI Industry."

Benjamin Robinson Charlotte, North Carolina 

Mr. Robinson has been senior vice president, strategy management executive, responsible for issues management, national alliances, and national programs for Bank of America since October 2002. Previously, he was vice president and chief privacy officer of MasterCard International, and president and chief executive officer, MasterCard Cardholder Solutions, Inc. His responsibilities included overall management of MasterCard Cardholder Solutions, Inc. and managing and implementing privacy policies, regulations, and compliance for MasterCard International domestically and abroad. Mr. Robinson has also served as a congressional adviser on banking issues, including the Community Reinvestment Act, Equal Credit Opportunity Act, Home Mortgage Disclosure Act, and Fair Housing Act, for a subcommittee of the U.S. House of Representatives Committee on Banking, Finance, and Urban Affairs.

Diane Thompson East St. Louis, Illinois 

Ms. Thompson is a supervising attorney for the Housing and Consumer Rights Unit at the Land of Lincoln Legal Assistance Foundation. She supervises consumer rights litigation and works with community organizations on affordable housing and community economic development. She also supervises comprehensive homeless advocacy and homeless prevention projects in one of the poorest and most economically depressed cities in the country. She has expertise in the Truth-in-Lending and Home Ownership and Equity Protection Acts and is an experienced anti-predatory lending advocate and litigator in the St. Louis area. Ms. Thompson is involved in several community activities, including the Metropolitan St. Louis Equal Housing Opportunity Council and Project Kids, Inc.

Clint Walker Wilmington, Delaware

Mr. Walker is the general counsel and chief administrative officer of Juniper Financial Corporation, established in 2000. Mr. Walker is part of the founding team of the credit card bank, which is based on the concept of applying the best practices of a traditional credit card business with the best aspects of electronic banking to create an innovative and improved customer experience. His responsibilities include legal, compliance, regulatory, and legislative activities, the Community Reinvestment Act, and community affairs. Prior to his position at Juniper, Mr. Walker was general counsel at both First USA Bank, N.A. and Citibank Maryland. He has extensive experience in both the credit card industry and emerging e-commerce financial applications.

Council members whose terms continue through 2003 are the following:

Anthony Abbate, president and chief executive officer, Interchange Bank, Saddle Brook, New Jersey 

Manuel Casanova, Jr., executive vice president, International Bank of Commerce, Brownsville, Texas

Constance K. Chamberlin, president and chief executive officer, Housing Opportunities Made Equal, Richmond, Virginia

Earl Jarolimek, vice president/corporate compliance officer, Community First Bankshares, Fargo, North Dakota 

J. Patrick Liddy, director of compliance, Fifth Third Bancorp, Cincinnati, Ohio

Oscar Marquis, attorney, Hunton and Williams, Park Ridge, Illinois 

Elizabeth Renuart, staff attorney, National Consumer Law Center, Boston, Massachusetts

Council members whose terms continue through 2004 are the following:

Janie Barrera, president and chief executive officer, ACCION Texas, San Antonio, Texas 

Ken P. Bordelon, chief executive officer, E Federal Credit Union, Baton Rouge, Louisiana 

Robin Coffey, vice president, Harris Trust and Savings Bank, Chicago, Illinois

Thomas FitzGibbon, senior vice president, MB Financial Bank, N.A., Chicago, Illinois

Larry Hawkins, president and chief executive officer, Unity National Bank, Houston, Texas

Ruhi Maker, senior attorney, Public Interest Law Office of Rochester, Rochester, New York 

Patricia McCoy, professor of law, Department of Economics, Massachusetts Institute of Technology, Cambridge, Massachusetts

Debra S. Reyes, president, Neighborhood Lending Partners, Inc., Tampa, Florida

Benson Roberts, vice president for policy, Local Initiatives Support Corporation, Washington, District of Columbia 

Hubert Van Tol, co-director, Fairness in Rural Lending, Sparta, Wisconsin