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ABA Letters to Congress / Regulators

2013

Community Lending: Letter to Rep. Luetkemeyer HR 1750 May 17, 2013
Joint Letter to the Agencies re Call Report May 17, 2013
Joint Letter to El Monte City Council re Use of Eminent Domain to Acquire Underwater Mortgages May 9, 2013
Joint Letter to LaPuente City Council re Use of Eminent Domain to Acquire Underwater Mortgages May 9, 2013
Joint Letter to Orange Grove City Council re Use of Eminent Domain to Acquire Underwater Mortgages May 9, 2013
Joint Letter to Pomona City Council re Use of Eminent Domain to Acquire Underwater Mortgages May 9, 2013
Joint Letter to San Joaquin City Council re Use of Eminent Domain to Acquire Underwater Mortgages May 9, 2013
Joint Letter Opposing Farm Credit Expansion in the Farm Bill May 8, 2013
Derivatives: Memo to HFSC re Markup May 6, 2013
ABA CFTC Recommendation Letter May 1, 2013
Joint Letter to Senate Agriculture Committee on NDFs May 1, 2013
Joint Letter on Means Testing for Crop Insurance Protection May 1, 2013
Basel III: Letter to Senate re S.731 April 22, 2013
Joint Letter to North Las Vegas City Council re Eminent Domain April 18, 2013
Joint Letter to Richmond City Council re Eminent Domain April 18, 2013
Joint Statement to Working Group on Retirement - Tax Reform, April 16, 2013
Tax Reform: Letter to Ways and Means Working Group re Small Businesses April 15, 2013
Bank Exams: Letter to Senate Supporting S. 727 April 16, 2013
Bank Exams: Letter to House Supporting H.R. 1553 April 16, 2013
Municipal Advisors: Letter to Senate Supporting S. 710 April 12, 2013
Capital Requirements: Memo to Senate and House April 11, 2013
Joint Trade Letter on CFPB Mortgage Rule Clarifications April 10, 2014
Bank Diversity: Memo to Congressional Staff April 4, 2013
ABA Letter to IRS re Application for Industry Issue Resolution Program - Bad debts and other issues March 29, 2013
ABA Comments to FFIEC Guidance on the Use of Social Media, March 25, 2013
Swaps: Letter to House Ag Committee re Title VII Markup March 20, 2013
Joint Trade Associations Letter to the FRB re Basel III Liquidity Framework, March 15, 2013
Letter to CFTC Regarding Petition for Exemptive Relief, February 26, 2013
Credit Unions: Letter to Congress re CU Tax Exemption February 25, 2013
ABA comments to IRS on Notice 2012-65 February 11, 2013
Credit Unions: Letter to Congress January 31, 2013
Insurance: Joint Letter to FHFA on Lender Placed Insurance, January 2, 2013

2012

Flood Insurance: ABIA Letter to House re S. 3677 December 27, 2012
Flood Insurance: Memo to House re S. 3677 December 20, 2012
ABA Letter to Treasury on NRA, December 12, 2012
TAG: Joint Letter to Senate re Two-Year Extension December 4, 2012
Privacy Notices: Memo to House re H.R. 5817 December 4, 2012
Credit Unions: Joint Letter Opposing S. 2231 November 26, 2012
Letter to Representative King on Basel III Proposed Rule October 12, 2012
Card Settlement: Letter to Congress September 20, 2012
Letter to Treasury and CFTC: FX Forwards and FX Swaps, September 18, 2012
Joint Trade Letter: Support of Safe Harbor QM September 14, 2012
TAG Extension: Joint Letters to Congress September 12, 2012
Municipal Advisors: Memo to HFSC re HR2827 September 11, 2012
Letter to Rep. Bachus on Volcker Rule Alternatives September 7, 2012
Mortgage: Joint Letter to FHFA Opposing Eminent Domain Efforts September 7, 2012
Joint State Assocation Letter on Need for TAG Extension Aug. 29, 2012
Joint Letter on Debit Card Issuer Survey Aug. 27, 2012
Letter to President Obama on Drought Response Aug. 24, 2012
Letter to U.S. Reps to G20 on Convergence Pressures Aug. 23, 2012
Letter on Commercial Loans with Limited Guarantees as Synthetic Securitizations Aug. 22, 2012
Letter to Neal Wolin on CUs Aug. 14, 2012
Letter to White House on NCUA's Use of LICU Designation Aug. 9, 2012
Letter to NCUA on LICU Initiative Aug. 8, 2012
Letter to Geithner on TAG Extension Aug. 2, 2012
Joint Letter on Cybersecurity Act of 2012 Aug. 1, 2012
Municipal Advisors: Memo to House Capital Markets Subcommittee July 31, 2012
TAG: Joint Letters to Congress July 27, 2012
Taxes: Memo to House re Non-Resident Aliens July 25, 2012
ATMs & CFPB: Memo to Senate re S. 3394 July 24, 2012
Joint Letter to CFPB on MLO Compensation July 23, 2012
Credit Unions: Joint Letter to Senate re S. 2231 July 17, 2012
ATMs: Joint Letter to Senate re S. 3204 July 13, 2012
ABA Comments on CFPB Reopening of Proposed Amendments to Reg Z July 9, 2012
ABA Objects to Using Eminent Domain to Seize Mortgages June 28, 2012
Flood Insurance: Joint Letter to Senate June 27, 2012
Letter to FDIC on Direct Deposit Advances June 26, 2012
ATMs: Memo to House Financial Services June 25, 2012
Letter to joint agencies regarding Overseas Branching by U.S. Banks June19, 2012
Coaltion Letter on ATM Disclosure Bill June 19, 2012
Letter to Senate on USDA Loan Amendment to Farm Bill June 19, 2012
Letter to Senate on Farm Bill June14, 2012
Comment Letter to FHFA on Draft Strategic Plan June 13, 2012
Joint Letter to CFPB on SBAR June 13, 2012
CFPB Outline of Proposals Under Consideration and Alternatives Considered, June 8, 2012
Credit Unions: House Letter re: CU Tax Exemption May 16, 2012
ABA Trade Groups Seek Flood Insurance Reauthorization, May 7, 2012
ABA Letter to IRS: Create New Active List for NRA Interest Reporting, April 30, 2012
Joint ABA-Industry letter to CFPB urging that the "qualified mortgage" (QM) designation under pending ability-to-repay rule be structured as a legal safe harbor, April 27, 2012
Joint ABA/Industry Comment Letter on Draft Rules for RESPA-TILA Reform (Know Before You Owe mortgage loan initiative), April 16, 2012
Joint Letter to CFPB Urging a Broad QM, April 12, 2012
ABA Suggests Improvements to Mutual Community Bank Bill H.R. 4217 (April 9, 2012)
Non-Resident Aliens: Letter to House re IRS Rule (March 28, 2012)
Credit Unions: Letters to Congress (March 21, 2012)
SEC Registration: Memo to Senate re JOBS Act (March 19, 2012)
Credit Unions: Joint Letter to Senate re JOBS Act (March 15, 2012)
Credit Unions: Joint Letter to Senate (March 8, 2012)
Credit Unions: Joint Letter to House (March 8, 2012)
SEC Registration: Memo to House re JOBS Act (March 7, 2012)
Credit Unions: Joint Letter to Senate (March 6, 2012)
Bank Tax: Letter to Treasury (February 13, 2012)
CFPB: Memo to HFSC re Privilege et al Markup (February 15, 2012)
CFPB: Letter to Senate re Privilege (February 10, 2012)
ABASA Statement for Hearing Record (February 8, 2012)
GSEs: Letter to Congress Opposing G-Fee Increase as Offset (February 7, 2012)
Non-Resident Aliens: Joint Letter to Senate re NRA Amendment (February 7, 2012)
Credit Unions: Joint Letter to House (February 6, 2012)
Volcker Rule: Letter to Financial Services Committee (January 17, 2012)

2011

SOPA: Letter to House Judiciary Committee (December 14, 2011)
SEC Registration: Joint Letter to Senate (November 30, 2011)
Derivatives: Memo to Financial Services Committee (November 29, 2011)
Accounting: Memo to Financial Services Subcommittee re H.R.1723 (November 14, 2011
TCPA: Memo to Energy & Commerce Subcommittee (November 3, 2011)
Derivatives: Memo to Senate (October 31, 2011)
SEC Registration: Memo to Financial Services Committee (October 25, 2011)
Financial Education: Memo to Congress re Get Smart About Credit Day (October 20, 2011)
FSOC: Letter to Financial Services Committee (October 5, 2011)
Debit Fees: Memo to Congress (October 4, 2011)
ABA urges Treasury to increase SBLF clarity - optimize bank participation (September 13, 2011)
ABA Statement for the Record: EEOC Meeting to Examine Arrest and Conviction Records as a Hiring Barrier (August 10, 2011)
Bankruptcy: Hearing Statement re Trustee Compensation (July 27, 2011)
CFPB: Memo to House Members (July 20, 2011)

ABA Comment Letter on Merkley-Snowe Amendment re: Destabilizing Mortgage and Housing Markets (June 14, 2011)
Interchange: Letter To Senate In Support of Amendment (June 7, 2011)

Joint Letter Requesting Extension of Risk Retention Comment Period, (May 13, 2011)
ABA letter to Fed Chairman Ben Bernanke on a "graduated approach" to banking regulation (May 12, 2011)
Letter to Members of the Financial Services Committee (May 11, 2011)
Interchange: Joint Memo re Carve-Out (May 10, 2011)
Mutuals: ABA to Congress on Importance of Mutuals (May 3, 2011)
Consumer Protection: ABA Letter of Support for Three House Bills (May 3, 2011)
Derivatives: Memo to House Agriculture Committee re Swaps Bill (May 3, 2011)
CFPB: Memo to Financial Institutions Subcommittee re Bill Markup (May 3, 2011)

Interchange: ABA Outlines Facts to Sen. Durbin (April 21, 2011)

Letter to Schapiro Regarding Regulatory Burden (April 11, 2011)
Federal Reserve: ABA Request to Delay Mortgage Originator Compensation Rule (March 29, 2011)
Letter to Treasury Urging SBLF Application Materials for Mutuals, Sub S Banks (March 25, 2011)
Dodd-Frank Act: Letter to FDIC - Impact on Community Banks (March 21, 2011)
OCC: ABA Voices Support for Mutual Institutions (March 23, 2011)
Treasury: Coordination of Dodd-Frank Implementation is Needed (March 10. 2011)
Bankruptcy: Joint Letter to Senate Judiciary re Loss-Mitigation Bill (March 9, 2011)

Taxes: Letter to Ways and Means re 1099 Reporting Repeal (February 14, 2011)
Treasury & HUD: ABA's GSE Reform Principles (February 9, 2011)
Interchange: Joint ABA-State Associations Memo to Congress (February 8, 2011)

Regulatory Environment: Letter to FDIC Supporting Relief Initiative (January 24, 2011
Regulatory Environment: Letter to Federal Reserve Supporting Relief Initiative (January 24, 2011)
Regulatory Environment: Letter to OCC Supporting Relief Initiative (January 24, 2011)
Regulatory Environment: Letter to OTS Supporting Relief Initiative (January 24, 2011
Regulatory Environment: Letter to HUD Supporting Relief Initiative (January 24, 2011
Regulatory Environment: Letter to SEC Supporting Relief Initiative (January 24, 2011
Regulatory Environment: Letter to CFTC Supporting Relief Initiative (January 24, 2011)
Regulatory Environment: Letter to Labor Department Supporting Relief Initiative (January 24, 2011)
Regulatory Environment: Joint Letter to Senate Banking Requesting Hearings (January 24, 2011)
Regulatory Environment: Joint Letter to House Financial Services Comm. Requesting Hearings (January 24, 2011)
White House: Support for the Administration's Regulatory Relief Initiative (January 19, 2011)

2010

Foreclosure: Letter to Congress re Moratorium Proposals (October 13, 2010)
Tax: Letter to Congress re Bank Tax Proposal (September 27, 2010)
Bankruptcy: Memo to Senate Judiciary re Small Business (September 22, 2010)
Bankruptcy: Joint Memo to House Judiciary re Pensions (September 14, 2010)
Small Business: Senate Memo re Lending Fund (September 13, 2010)
Interchange: Memo to Senate Appropriations (July 28, 2010)
FHA: Memo to House re Multifamily Guarantee (July 28, 2010)
SEC: Memo to Senate re Shareholder Threshold (July 27, 2010)
Memo to Financial Services Comm. re Multi-Bill Markup (July 26, 2010)
Data Security: Letter to Sen. Carper & Sen. Bennett (July 20, 2010)
Credit Unions: Joint Letter to Senate (July 12, 2010)
Small Business: Memo to Senate re Lending Fund (June 29, 2010)
Regulatory Restructuring: Joint Memo to Congress (June 28, 2010)
Regulatory Restructuring: Memo to Conferees re Fannie & Freddie (June 24, 2010)
Regulatory Restructuring: Memo to Conferees (June 14, 2010)
Regulatory Restructuring: Memo to Conferees re Collins Amendment (June 14, 2010)
Small Business: Memo to House re Lending Fund (June 9, 2010)
Sox 404(b) Exemption: Letter to Support Hutchison/Landrieu Amendment 3785 (May 13, 2010)
Joint-Trades Letter in Support of Johnson FHLBank Amendment 3978 (May 13, 2010)
New Thrift Charters: Letter to Sens. Kerry, Brownback, Brown (May 10, 2010)
Accounting Oversight: Joint Trade Letter to Senate Banking (May 10, 2010)
Interchange: Joint Memo to House Judiciary (April 27, 2010)
Derivatives: Letter to Senate Agriculture Committee (April 21, 2010)
Regulatory Restructuring: Joint Memo to Senate (April 20, 2010)
Regulatory Restructuring: Senate Memo re Impact on Community Banks (April 19, 2010)
Joint Trade Letter on FHLBanks and the Restoring American Financial Stability Act (April 13, 2010)
Coalition Letter on Credit Availability (March 25, 2010)
Regulatory Restructuring: Letter to Senate Banking Committee (March 22, 2010)
USDA Loan Program: Letter to Senate Appropiations (March 22, 2010)
USDA Loan Program: Letter to House Appropriations (March 22, 2010)
Credit Union Business Lending: Letter to House (March 2, 2010)
Regulatory Restructuring: Joint Letter to Senate Banking on Fed's Role (March 2, 2010)
Regulatory Restructuring: Joint Letter to Senate Banking on Accounting (January 25, 2010)
Credit Union Business Lending: Joint Letter to Senate (January 19, 2010)
Regulatory Restructuring: Letter to Senate Banking Committee (January 5, 2010)

2009

Small Business Lending: Memo to Senate Committee (December 15, 2009)
Data Breach: Joint Letter to House (December 8, 2009)
Regulatory Restructuring: Joint Letter to House on Bankruptcy (December 8, 2009)
Regulatory Restructuring: Memo to House (December 7, 2009)
Regulatory Restructuring: Memo to HFSC on Accounting Amendment (November 18, 2009)
Perlmutter-Lucas Amendment to the FSIA of 2009: Joint Trade Letter (November 16, 2009)
Credit Cards: Memo to House on Expedited Card Act Dates (November 3, 2009)
CFPA: Letter to HFSC (October 13, 2009)
Tax Extenders: Joint Letter to Congress (October 8, 2009)
Data Breach: Joint Letter to House Energy & Commerce Committee (September 29, 2009)

FDIC: Thank You Memo to Congress on S.896 (June 9, 2009)
Bankruptcy: Joint Memo to Senate Judiciary on Consumer Credit Bill (June 3, 2009)
Data Breach: Joint Letter to House Energy & Commerce Subcommittee (June 3, 2009)
Letter to the FDIC on GMAC Bank/Ally Bank (May 27, 2009)
FDIC: Letter to House on S.896 (May 19, 2009)
Credit Cards: Letter to Senate on H.R. 627 (May 12, 2009)
Interchange: Joint Memo to Senate (May 11, 2009)
Mortgage Reform: Memo to House on H.R.1728 (May 6, 2009)
Credit Cards: Memo to House on H.R. 627 (April 30, 2009)
Bankruptcy: Memo to Senate on Durbin Amendment (April 29, 2009)
RESPA: Group Trade Letter Requesting Rule Suspension (April 27, 2009)
Credit Cards: Letter to HFSC on H.R. 627 (April 21, 2009)
Credit Cards: Letter to Financial Institutions Subcommittee (March 31, 2009)
Credit Cards: Letter to Senate Banking Committee (March 30, 2009)
Executive Compensation: Letter to House (March 30, 2009)
TILA: Joint Letter to Senate re Crapo Amendment (March 4, 2009)
Interchange: State Bankers Associations Joint Letter (February 26, 2009)
Bankruptcy: Joint Trades Letter to House Leadership (February 24, 2009)
Bankruptcy: Letter to House Leadership (February 23, 2009)
Bank Lending: Memo to Congress re Background (February 10, 2009)
Bankruptcy: Joint State Assn Letter re Cram Down (February 5, 2009)
Tax: Letter to Finance Committee re Stimulus Provisions (January 27, 2009)
TARP/Capital Purchase Program: Memo Providing ABA Testimony (January 7, 2009)

2008

Tax: ABA Letter on Merger Loss Deductibility (December 10, 2008)
Tax: Joint Letter on Carryback Provision (December 9, 2008)
EESA: Joint States Memo on House Vote (October 1, 2008)
Emergency Economic Stabilization Act: Memo to Congress (September 29, 2008)
Asset-Purchase Proposal: Letter to Congress (September 26, 2008)
Bankruptcy: Joint Letter Opposing Mortgage Changes (September 23, 2008)
Bankruptcy: ABA Memo Opposing Mortgage Changes (September 22, 2008)
Credit Cards: ABA Memo Opposing Maloney Bill (September 22, 2008)
Credit Cards: Joint Memo Opposing Maloney Bill (September 22, 2008)
Real Estate: Memo to House Appropriations Committee (June 24, 2008)
Regulatory Relief: Memo to House Members (June 23, 2008)
GSE Reform: Memo Opposing Martinez Amendment (May 15, 2008)
GSE Reform: Letter Supporting Senate Legislation (May 14, 2008)
Housing/Preemption: ABA Memo to House re Miller Amendment (May 6, 2008)
Housing/Preemption: Joint Memo to House re Miller Amendment (May 6, 2008)
Credit Unions: House Memo Opposing H.R. 5519 (April 28, 2008)
Financial Literacy: Memo to House on Teach Childen to Save Day (April 15, 2008)
Card Reporting Proposal: Joint Letter to Farm Bill Tax Conferees (April 11, 2008)
Bankruptcy: Joint Letter to Senate Opposing Mortgage Changes (April 3, 2008)
Bankruptcy: Joint Letter to Senate Opposing Mortgage Changes (March 31, 2008)
Bankruptcy: Joint Memo to Senate Judiciary (March 12, 2008)
Credit Unions: Memo re Senate Bill Introduction (March 5, 2008)
Bankruptcy: Joint Memo to Senate Judiciary (March 5, 2008)
Bankruptcy: Letter to Senate Opposing Mortgage Changes (Feb. 25, 2008)
Credit Cards: Joint Letter Opposing House Legislation (Feb. 12, 2008)
ILC Legislation: ABA Letter Supporting Senate Draft (Feb. 12, 2008)
Bankruptcy: Joint Letter to House Opposing Student Loan Changes (Feb. 7, 2008)
Bankruptcy: Joint Letter to House Members Opposing Mortgage Changes (Jan. 23, 2008)

2007

Bankruptcy: Joint Letter to House Judiciary Opposing Mortgage Changes (Dec. 11, 2007)
Bankruptcy: Joint Memo to Senate Judiciary Opposing Mortgage Changes (Dec. 4, 2007)
Subprime Mortgage Lending: ABA Memo re "Pattern & Practice" Amendment (Nov. 15, 2007)
Subprime Mortgage Lending: Joint ABA-ACB Letter to House (Nov. 14, 2007)
Student Loans: Joint Letter to Education & Labor Committee (Nov. 7, 2007)
Bankruptcy: Joint Memo to House Judiciary Opposing Mortgage Changes (Nov. 7, 2007)
Subprime Mortgage Lending: Joint ABA-ACB Letter to House Financial Services (Nov. 5, 2007)
Trade Agreements: Letter to Congressional Leadership & Tax Committees (Nov. 5, 2007)
Data Breach: Joint Comments to House Science Committee (Oct. 15, 2007)
SILO Taxation: Joint Letter to Senate Finance Committee (Oct. 3, 2007)
Bankruptcy: Joint Letter to House Judiciary Opposing Mortgage Changes (Oct. 3, 2007)
Farm Credit: ABA Memo to Senate Agriculture Committee (Oct. 2, 2007)
Retirement Plans: Joint Letter on Fee Disclosures (Oct. 1, 2007)
Flood Insurance: ABA Memo to House Supporting Reform Bill (Sept. 26, 2007)
Farm Credit: Joint Letter to Senate Agriculture Committee (Sept. 25, 2007)
Overdraft: Joint Letter to Financial Services Comm. Opposing H.R. 946 (Sept. 24, 2007)
Bankruptcy: Joint Letter to House Judiciary Opposing Mortgage Changes (Sept. 24, 2007)
Bankruptcy: Joint Letter Opposing Mortgage Treatment Changes (Sept. 19, 2007)
SILO Taxation: Joint Letter to Senate Finance Committee (Sept. 19, 2007)
Unfair or Deceptive Acts or Practices (UDAP): Letter to Financial Services Comm. (Sept. 18, 2007)
FHA: Letter to Senate Banking Committee (Sept. 18, 2007)
FHA: Memo Supporting House Reform Bill (Sept. 18, 2007)
Patent Reform: ABA Memo to House (Sept. 6, 2007)
Farm Credit: ABA Memo to House on Farm Bill Provisions (July 26, 2007)
Bankruptcy: Joint Letter on EOUST Funding (July 26, 2007)
Farm Credit: State Assn. Letter on Farm Bill Provisions (July 25, 2007)
Farm Credit: Joint Trades Letter on Farm Bill Provisions (July 24, 2007)
Student Loans: ABA Memo on Brown Amendment (July 23, 2007)
GSE Legislation: Joint Letter to Senate Banking Committee (July 23, 2007)
ILC Legislation: Joint Letter to Senate Banking Committee (July 19, 2007)
Real Estate: Memo to Senate Appropriations Committee (July 12, 2007)
Student Loan Bill: Letter to House (July 10, 2007)
Patent Reform: Letters to Senate and House Judiciary Committees (July 9, 2007)
Basis Reporting: Letter to Senate Finance Committee (June 29, 2007)
Section 404 Accounting: Memo to House (June 28, 2007)
ABA-ACB Merger: Memo to Congress (June 25, 2007)
Farm Credit: Joint Trades Letter to Agriculture Committees (June 22, 2007)
Student Loan Bill: Letter to Senate HELP Committee (June 20, 2007)
Real Estate: Memo to House Appropriations Committee (June 8, 2007)
ILC Legislation: Memo to House (May 21, 2007)
GSE Legislation: Memo to House (May 15, 2007)
Farm Credit: ABA-State Assns. Letter to House Agriculture Committee (May 14, 2007)
Social Security Numbers: Letter to House E&C Committee (May 9, 2007)
Small Business Lending: Joint Trades Letter on Lender Fees to Senate Committee (May 3, 2007)
FHA: Letter to Financial Services Committee (May 1, 2007)
ILC Legislation: Memo to Financial Services Committee (April 30, 2007)
Bankruptcy: Joint Trades Letter to House Judiciary Subcommittee (April 30, 2007)
Credit Unions: Letter on CU Business Lending to Small Bus. Comm. (April 27, 2007)
Data Security: Memo to Senate Commerce Committee (April 24, 2007)
Small Business Lending: Letter to House Small Bus. Committee (April 20, 2007)
Executive Compensation: Letter to House (April 18, 2007)
Data Security: Letter to Senate Judiciary Committee (April 17, 2007)
GSEs: Letter to House Financial Services Committee (March 27, 2007)
ILC Legislation: State Associations' Letter to House (March 21, 2007)
Executive Compensation: Letter to House Financial Services Committee (March 20, 2007)
Credit Unions: Memo to House Opposing CURIA (March 15, 2007)
Disaster Preparedness: Letter to Senate Homeland Security Committee (Feb. 28, 2007)
Credit Unions: Memo on CURIA to House Freshmen (Feb. 26, 2007)
Credit Unions: Memo to CURIA Non-Cosponsors (Feb. 26, 2007)
Credit Unions: Memo to CURIA Cosponsors (Feb. 26, 2007)
SILOs: Letter to Ways & Means Committee (Feb. 14, 2007)
ILC Legislation: Letter to House Financial Services Committee (Jan. 30, 2007)

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