Appointments of new members and the chair and vice chair of the Consumer Advisory Council. (Announcements).The Federal Reserve Board on January 4, 2002, named eleven new members to its Consumer Advisory Council for three-year terms and designated a new chair and vice chair of the council for 2002. The council advises the Board on the exercise of its responsibilities under the Consumer Credit Protection Act The Consumer Credit Protection Act (15 U.S.C.A. § 1601 et seq. [1972]) is federal statute designed to protect borrowers of money by mandating complete disclosure of the terms and conditions of finance charges in transactions; by limiting the Garnishment of wages; and by regulating and on other matters in the area of consumer financial services The examples and perspective in this article or section may not represent a worldwide view of the subject. Please [ improve this article] or discuss the issue on the talk page. . The council meets three times a year in Washington, D.C. Dorothy Broadman was designated chair; her term runs through December 2002. Starting February 11, Ms. Broadman will be director of corporate citizenship Corporate Citizenship The extent to which businesses are socially responsible in meeting legal, ethical and economic responsibilities placed on them by shareholders. The aim it to create higher standards of living and quality of life in the community in which it operates, while at Capital One Financial Corporation in Northern Virginia Northern Virginia (NoVA) consists of Arlington, Fairfax, Loudoun, and Prince William counties and the independent cities of Alexandria, Falls Church, Fairfax, Manassas, and Manassas Park. . Previously, she held positions at Cal Fed Bank/First Nationwide Bank, Citibank, and Wells Fargo Wells Fargo armored carriers of bullion. [Am. Hist.: Brewer Dictionary, 1147] See : Protectiveness Wells Fargo company that handled express service to western states; often robbed. [Am. Hist. . Ronald Reiter was designated vice chair; his term on the council ends in December 2003. Mr. Reiter is supervising deputy attorney general for the California California (kăl'ĭfôr`nyə), most populous state in the United States, located in the Far West; bordered by Oregon (N), Nevada and, across the Colorado River, Arizona (E), Mexico (S), and the Pacific Ocean (W). Department of Justice. The eleven new members are the following: Janie Barrera San Antonio, Texas Ms. Barrera is president and chief executive officer of ACCION Texas. ACCION, the largest nonprofit microlending organization in Texas, provides small loans and management training to micro-enterprises throughout Texas. Ms. Barrera positioned the organization for three Community Development Financial Institution awards totaling more than $3 million. She received the 1997 Presidential Award for Excellence in Microenterprise Development. Ms. Barrera has received recognition for her accomplishments, including the Small Business Administration Financial Services Advocate of the Year and the Minority Enterprise Development Consortium's Corporate Advocate of the Year. She also serves on JP Morgan Chase Bank's Advisory Board of Directors in San Antonio, JP Morgan Chase National Community Advisory Board, and Washington Mutual Bank's Texas Advisory Board. Kenneth P. Bordelon Baton Rouge, Louisiana Mr. Bordelon has been chief executive officer of the E Federal Credit Union since 1998. Previously, he was the credit union's chief financial officer. He led the implementation of on-line ATM service, debit cards, on-line banking, electronic bill payment, and two branch offices serving as shared outlets in the Credit Union Cooperative Branching network (CUCB). In addition to his duties at E Federal, Mr. Bordelon serves on the boards of CUCB and Southern Financial Exchange, the electronic payment systems solutions network association for the south central United States. Robin Coffey Chicago, Illinois Ms. Coffey is vice president and community development manager for Harris Trust and Savings Bank, where her responsibilities include setting benchmarks and monitoring Community Reinvestment Act (CRA) compliance for twenty-six banking charters. Previously, she managed the bank's community development lending, including both affordable housing loans and small business loans in low-income neighborhoods. Ms. Coffey works with the Neighborhood Housing Services of Chicago. Thomas P. FitzGibbon, Jr. Chicago, Illinois Mr. FitzGibbon is president of MB Community Development Corporation and senior vice president of MB Financial Bank, N.A. He manages the delivery of community development equity and debt investments, economic development, and housing finance programs. He is also in charge of residential, consumer and small business lending programs, Internet banking, and insured deposit product delivery systems. Previously, he was vice president of community reinvestment and regulatory compliance for Comerica Bank-Illinois. Mr. FitzGibbon serves on the board of the Woodstock Institute and on the faculty of the Federal Reserve Bank of San Francisco's National Community Development Lending School. Larry Hawkins, Jr. Houston, Texas Since 1990, Mr. Hawkins has been president and chief executive officer of Unity National Bank in Houston, a minority-owned bank primarily serving a low-income population. He is knowledgeable about opportunities and challenges facing small community banks and often speaks at schools and community organization functions. Mr. Hawkins's banking career began in 1970, and he has worked in many banking areas, including loan processing, collections, small business, and personal lending. He has been active in many community and banking organizations and now serves as a board member for the Greater Houston Partnership and the Independent Bankers Association of Texas. He also serves as chairman of the Disaster Services Committee of the American Red Cross. Ruhi Maker Rochester, New York Ms. Maker is a senior attorney with the Public Interest Law Office of Rochester. She provides advocacy on Community Reinvestment Act issues at the local, state, and national level. She has assisted Monroe County and the City of Rochester on implementation of a Fair Housing Action Plan and has chaired the City's Real Estate and Lending Team. She has expertise in private and subsidized housing law and has been involved in trial work, appeals, and litigation on these issues. Ms. Maker has also been involved in litigation on the Fair Debt Collection Practices Act and the Truth in Lending Act. She is a founding member of the Predatory Lending Advisory Task Force in Rochester convened by area banks with members representing banks, community groups, and city officials. Patricia McCoy Cleveland, Ohio Ms. McCoy is a professor of law at Cleveland-Marshall College of Law, Cleveland State University. She teaches courses on banking and securities regulation, and she is the author of a major treatise on federal banking regulation that includes an extensive analysis of the Community Reinvestment Act and fair lending laws. Ms. McCoy is chairman of the Section on Financial Institutions and Consumer Financial Services of the Association of American Law Schools and is a member of the Federal Reserve Bank of Cleveland's Strategic Alliance on Predatory Lending. She has written and spoken regularly on financial modernization and the Gramm-Leach-Bliley Act, predatory lending, the unbanked, consumer privacy, CRA reform, and fair lending. Debra S. Reyes Tampa, Florida Ms. Reyes is the president of Neighborhood Lending Partners, Inc. (NLP), a mortgage-lending consortium with membership representing forty-three banks and thrifts. Her responsibilities include managing the lending program, conducting marketing and outreach, establishing a secondary market for the organization's products, and overseeing loan collection. Ms. Reyes helped to provide more than $90 million in loan funds to construct or revitalize 4,000 units of affordable housing. Before initiating NLP, she served as Director of Compliance for several banks, including Barnett Bank, N.A. Ms. Reyes serves on Tampa's Partners in Homeownership organization and Fannie Mae's Southeastern Regional Advisory Council. Benson Roberts Washington, District of Columbia Mr. Roberts is vice president of policy for the Local Initiatives Support Corporation, the nation's largest nonprofit community development support organization. The organization makes $600 million in investments, loans, and grants annually. Mr. Roberts manages housing, urban and rural community development, finance, and economic development policy issues. He is involved in Community Reinvestment Act policy at both the regulatory and legislative levels. He played a major role in the enactment of the federal HOME housing block grant program and the New Markets Tax Credit legislation and is working on President Bush's "Renewing the Dream" tax credit to benefit low-income homebuyers. Mr. Roberts is a board member of the Center for Community Change, the National Association of Affordable Housing Lenders, and the National Housing Conference. Agnes Bundy Scanlan Boston, Massachusetts Ms. Bundy Scanlan is managing director and chief privacy officer for FleetBoston Financial. She established the Corporate Privacy Office and is responsible for development and implementation of corporate privacy policies. Previously, Ms. Bundy Scanlan established Fleet Financial Group's Corporate Community Development Department and was responsible for all Community Reinvestment Act lending, investment, and services and for fair lending initiatives. She co-chairs the CRA subcommittee for the Consumer Bankers Association. Hubert Van Tol Sparta, Wisconsin Mr. Van Tol is founder and co-director of Fairness in Rural Lending, which engages in research and advocacy on lending issues in the rural Midwest. Previously, Mr. Van Tol founded and operated Bank Watchers, a firm specializing in information services and organizational development for nonprofit organizations working with low- and moderate-income consumers. Mr. Van Tol also served for eleven years as the executive director of the Mid-South Peace and Justice Center, which engages in education, advocacy, community reinvestment, lending discrimination research, and environmental justice. He serves on the executive committee of the National Community Reinvestment Coalition. Council members whose terms continue through 2002 are the following: Teresa Bryce, general counsel, Nexstar Financial Corporation, St. Louis, Missouri Missouri, state, United States Missouri (mĭz  r`ē, –ə), one of the midwestern states of the United States. Robert M. Cheadle, legislative counsel, The Chickasaw Tribal Legislature, Ada, Oklahoma Ada is a city and the county seat of Pontotoc County, Oklahoma, United States. The population was 16,008 at the 2000 census.GR6 History Lester Firstenberger, attorney, Hopkinton, Massachusetts Hopkinton is a town located in southwestern Middlesex County, Massachusetts, about 40 km (26.4 mi) from Boston. It is one of nine towns that are part of the region known as MetroWest. The population was 13,346 at the 2000 census. Jeremy Nowak, chief executive officer, The Reinvestment Reinvestment Using dividends, interest and capital gains earned in an investment or mutual fund to purchase additional shares or units, rather than receiving the distributions in cash. 1. In terms of stocks, it is the reinvestment of dividends to purchase additional shares. Fund, Philadelphia, Pennsylvania Pennsylvania (pĕnsəlvā`nyə), one of the Middle Atlantic states of the United States. It is bordered by New Jersey, across the Delaware River (E), Delaware (SE), Maryland (S), West Virginia (SW), Ohio (W), and Lake Erie and New York Council members whose terms continue through 2003 are the following: Anthony Abbate, president and chief executive officer, Interchange An interchange is a location where two things meet, usually perform some kind of exchange, and possibly go on their ways again. It is most commonly used in four contexts:
Saddle Brook adopted its current name on November 8, 1955, replacing Saddle River Township. Manuel Casanova Manuel F. Casanova, MD, is the Gottfried and Gisela Kolb Endowed Chair in Outpatient Psychiatry and a professor of anatomical sciences and neurobiology at the University of Louisville. , Jr., executive vice president, International Bank of Commerce, Brownsville, Texas Brownsville is the county seat of Cameron County, Texas, United States, the southernmost city in Texas. As of 2005, U.S. Census estimates put Brownsville at a population of 167,493. Constance K. Chamberlin, president and chief executive officer, Housing Opportunities Made Equal, Richmond, Virginia Richmond IPA: [ɹɯʒmɐnɖ] is the capital of the Commonwealth of Virginia, in the United States. Earl Jarolimek, vice president/corporate compliance officer, Community First Bankshares, Fargo, North Dakota “Fargo” redirects here. For other uses, see Fargo (disambiguation). Fargo is a city in Cass County, North Dakota in the United States. It is the county seat of Cass County, located in the Red River Valley region. J. Patrick Liddy, director of compliance, Fifth Third Bancorp, Cincinnati, Ohio “Cincinnati” redirects here. For other uses, see Cincinnati (disambiguation). Cincinnati is a city in the U.S. state of Ohio and the county seat of Hamilton County. Oscar Marquis, attorney, Hunton and Williams, Park Ridge, Illinois Park Ridge, Illinois, is a suburb of 37,775 residents, 15 miles northwest of downtown Chicago, close to O'Hare Airport, major expressways and rail transportation. Park Ridge is said to be located on the highest ridge in Cook County. Elizabeth Renuart, staff attorney, National Consumer Law Center, Boston, Massachusetts “Boston” redirects here. For other uses, see Boston (disambiguation). Boston is the capital and most populous city of Massachusetts.[3] The largest city in New England, Boston is considered the unofficial economic and cultural center of the entire New Russell Schrader, senior vice president and assistant general counsel, Visa U.S.A., San Francisco, California “San Francisco” redirects here. For other uses, see San Francisco (disambiguation). The City and County of San Francisco (EN IPA: [sænfrənˈsɪskoʊ] Frank Torres Frank Joseph Torre (born December 30, 1931 in Brooklyn, New York) is a former first baseman in Major League Baseball. Torre, who batted and threw left-handed, played for the Milwaukee Braves (1956-60) and Philadelphia Phillies (1962-63). III, legislative counsel, Consumers Union, Washington Union is a small unincorporated community located in Mason County, Washington, in the United States. The town lies along the southern shore of Hood Canal. There is no U.S. Census data for the location. The ZIP Code for Union is 98592. , District of Columbia District of Columbia, federal district (2000 pop. 572,059, a 5.7% decrease in population since the 1990 census), 69 sq mi (179 sq km), on the east bank of the Potomac River, coextensive with the city of Washington, D.C. (the capital of the United States). |
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