Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "Overdraft fees are intended to encourage people to manage their checking accounts. It's not that different from a parking ticket. If the fee for parking in a fire lane were five dollars, fire trucks would have a lot harder time getting through."

ABA COO Diane Casey-Landry says, "We want to draw some attention to the community bank sector which is still performing extremely well."

ABA COO Diane Casey-Landry says, "From our perspective, we don't think we should have 8,000 community banks having to compete against Ally Bank -- having [Ally] drive up their cost of funding while they still get their [government] subsidy. And we do think it's time for them to … quit criticizing the rest of the industry."

Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "In an environment where everybody is a little bit at a greater risk of not being able to repay their loan, interest rates are going to go up because interest rates are based on risk."

Wayne Abernathy, ABA EVP of financial institutions policy and regulatory affairs says, "My first mortgage was a five year ARM. I liked that, because interest rates were falling. Had I locked in a fixed rate, I'd have been paying more than what the market was for a long time. That's the problem when you decide that one size fits all, usually only the average person fits that size."

Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says the Credit CARD Act Congress passed in May "restricts the ability to raise interest rates on existing balances. And that means that credit card companies have to use some other model to be able to manage the risks that people aren't going to be able to repay their loans. There's a small group that's really super credit-worthy, and they'll probably have the most choices, but you've got a vast swath of people who may be surprised."

James Chessen, ABA chief economist says, "Fifty-six percent of cardholders don't ever revolve any balance, so there's absolutely no reason why they would stop using it. They're using it for convenience."

Wayne Abernathy, ABA EVP of financial institutions policy and regulatory affairs says, "To pull consumer protection away from bank regulators, away from safety and soundness and other concerns, we think weakens consumer protection. We want to have consumer protection permeate all aspects of the bank regulatory program."

ABA President and CEO Ed Yingling says the Administration is proposing to "have a whole new massive regulator that would separate the regulation of an institution from the regulation of its products."

ABA COO Diane Casey-Landry says many of the administration's regulatory reform proposals -- including eliminating the thrift charter and creating a Consumer Financial Protection Agency -- would "undermine traditional banks that have continued to lend throughout the crisis."

Wayne Abernathy, ABA EVP of financial institutions policy and regulatory affairs says, "We already have a very deep set of regulatory programs in place, very deep set of consumer protections. And yet the problems year after year are happening outside of the banking world and we end up getting tarnished with that brush."

Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "History has shown that when the government imposes price controls, consumers have fewer choices and they pay more."

Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "At 18 you are able to enter a contract, you're able to join the army. And we're saying 'but you're not competent to have a credit card?'"

Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "The bills and rules restrict the ability of card companies to adjust to changing environments, to changing risks. Over time, the market changes. Over time, people change. And if they can't adjust to that risk -- and risk equals cost -- other people have to absorb it."

Wayne Abernathy, ABA EVP of financial institutions policy and regulatory affairs says,"The regulators together with Treasury said every one of these 19 banks, today, is well-capitalized based upon all realistic scenarios."

Helping to restore investor confidence in banks, ABA President and CEO Ed Yingling gives insight on what banks have learned from the stress tests.

Mark Tenhundfeld, ABA SVP office of regulatory policy explains that the stress tests will bring certainty to markets and show that banks are healthy. 

PBS "The NewsHour with Jim Lehrer" | Mar. 27
Economic Recovery
ABA President and CEO Ed Yingling describes his meeting with President Obama and Treasury's plan to unfreeze credit.

CNBC "Kudlow & Company" | Mar. 27
Economic Recovery
ABA President and CEO Ed Yingling describes his meeting with President Obama and CEOs of Fannie Mae, Freddie Mac and the country's largest banks.

CNBC "Closing Bell" | Mar. 17
Systemic Risk
ABA President and CEO Ed Yingling says it is important to create a systemic risk regulator because "we have gaps in our regulatory structure."

PBS "Nightly Business Report" | Mar. 12
Mark-to-Market
ABA President and CEO Ed Yingling explains the problem of using mark-to-market accounting in a dysfunctional market.

C-SPAN "Newsmakers" | Mar. 3
Traditional Banks
ABA President and CEO Ed Yingling discusses the association's efforts to fend off mortgage bankruptcy "cram-down" legislation and defend traditional banks, the vast majority of which are well-capitalized and lending.

FOX Business "Closing Bell" | Feb. 25
'Stress Test'
Mark Tenhundfeld, ABA SVP office of regulatory policy says the point of these stress tests is to "address what is the biggest problem in the market today, and that is uncertainty."

CBS Evening News | Feb. 25
'Stress Test'
ABA President and CEO Ed Yingling says the tests are intended to identify banks that need "extra capital as an insurance policy" and to reassure investors.

FOX News "Cavuto Report" | Feb. 20
Nationalization: Bad Idea
ABA President and CEO Ed Yingling says that he doesn't think the government has an intention of nationalizing the banks.

CNBC "Squawk on the Street" | Feb. 20
Nationalization: Bad Idea
ABA President and CEO Ed Yingling says that he doesn't think the nationalization option is on the table for the Obama administration.

FOX Business | Feb. 16
Community Banks
Julie Cripe, president of the $400 million-asset Omnibank in Houston, tells Fox correspondent Adam Shapiro that community banks are in a position to pick up the slack left by the exit of the so-called "shadow banking system."

NPR "Diane Rehm Show" | Feb. 10
Health of Banking Industry
ABA COO Diane Casey-Landry says most commercial banks are healthy and that some institutions participating in Treasury's Capital Purchase Program will soon make their first dividend payments to the American people.

FOX Business "Money for Breakfast" | Feb. 10
Treasury Financial Stability Plan and Health of the Industry
Wayne Abernathy, ABA EVP of financial institutions policy and regulatory affairs says, "Banks are ready to perform their role," commenting on Treasury's financial stability plan and the health of the industry.

NPR "Talk of the Nation" | Feb. 9
Capital Purchase Program
ABA COO Diane Casey-Landry says that CPP is an investment program intended for healthy banks.

CNBC "Street Signs" | Jan. 14
Bank Lending
ABA President and CEO Ed Yingling says that Federal Reserve statistics show that traditional bank lending increased slightly in 2008, despite the recession."

PBS "News Hour" | Dec. 24
Troubled Asset Relief Program
ABA COO Diane Casey-Landry says that the banking industry is healthy and never asked for the Treasury Department's Troubled Asset Relief Program (TARP), but the program has gone "reasonably well."

CNBC "The New Wall Street" | Dec. 8
Mark-to-Market Accounting
ABA President and CEO Ed Yingling says it is important that the Financial Accounting Standards Board (FASB) take action in the next couple of weeks on the issues related to current accounting rules for "other than temporary impairment."

CBS Evening News | Nov. 19
Lending
ABA COO Diane Casey-Landry says that banks are making loans to creditworthy customers.

FOX Business | Oct. 31
Capital Purchase Program
ABA President and CEO Ed Yingling stresses the need to differentiate between the Capital Purchase Program -- which is designed to recapitalize healthy banks so that they can increase lending -- from programs that placed Fannie Mae and Freddie Mac into a conservatorship and saved AIG from bankruptcy.

ABC "Good Morning America" | Oct. 28
ATM and Overdraft Fees
ABA COO Diane Casey-Landry says that ATM and overdraft fees are avoidable.

FOX Business | Oct. 27
Troubled Asset Relief Program
ABA President and CEO Ed Yingling says the word "bank" is being used during the financial crisis to describe failed financial institutions that are not, in fact, banks.

C-SPAN "Washington Journal" | Oct. 16
Capital Purchase Plan
Wayne Abernathy, ABA EVP of financial institutions policy and regulatory affairs, responds to viewers' questions about the Caplital Purchase Plan and expresses concerns that aspects of the financial crisis have not been sufficiently addressed.

FOX Business "Cavuto" | Oct. 7
Community Banks
ABA Chairman Brad Rock tells Neil Cavuto that one of the reasons his bank is so successful is that it always has made "good old-fashioned loans."

CNBC "Street Signs" | Sept. 30
Safety and Soundness
ABA COO Diane Casey-Landry says "your deposits are protected" if your bank is FDIC insured.

FOX Business | Sept. 26
Financial Crisis
ABA COO Diane Casey-Landry tells Fox Business News "this is an investment banking-generated situation that was also exacerbated by mortgage brokers who are not regulated."

CNBC "Street Signs" | Sept. 17
Health of the Banking Industry
ABA President and CEO Ed Yingling tells anchor Erin Burnett that the great majority of banks are in solid shape and anxious to lend.

FOX Business "Happy Hour" | July 25
Short Selling
ABA President and CEO Ed Yingling says that ABA's request that the Securities and Exchange Commission expand its emergency order prohibiting naked short selling to include smaller, publicly-traded banks is a matter of fairness.