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 and on other matters in the area of consumer financial services. 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 at Capital One Financial Corporation in Northern Virginia. Previously, she held positions at Cal Fed Bank/First Nationwide Bank, Citibank, and Wells Fargo.

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 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

Robert M. Cheadle, legislative counsel, The Chickasaw Tribal Legislature, Ada, Oklahoma

Lester Firstenberger, attorney, Hopkinton, Massachusetts

Jeremy Nowak, chief executive officer, The Reinvestment Fund, Philadelphia, Pennsylvania

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

Russell Schrader, senior vice president and assistant general counsel, Visa U.S.A., San Francisco, California

Frank Torres III, legislative counsel, Consumers Union, Washington, District of Columbia