MSNBC | May 21
Oklahoma Tornados
ABA President and CEO Frank Keating says, “There is going to be a lot of financial need—car payments, new automobiles, furniture, and clothing. It’s going to be tough."

FOX Business| May 3
Quantitative Easing
Jim Chessen, ABA chief economist says, "So when people feel wealthier as the stock market goes up, and it’s going up today as we know, people are more interested to buy goods and services that they might have not bought in other circumstances. They’re trying to get money out to not only expand, but to get consumers more interested in buying and build that confidence back."

MSNBC | Apr 17
Boston Bombings
ABA President and CEO Frank Keating says, “Oklahoma City was searing in terms of the numbers–168 dead, nearly 900 wounded. It was and remains the largest case ever handled by the FBI,” Keating said. “This one certainly was darkly similar: a bombing, innocents, celebrating America, just really an attack at the heart and soul of America.”

NBC Nightly News | Apr 4
Cyberattacks
Doug Johnson, ABA VP of risk management policy says, “The attackers are very determined. We’re determined too. We’re determined to stop these attacks and work in unison to stop these attacks.”

FOX Business | Apr 2
Consumer Delinquencies
Jim Chessen, ABA chief economist says, "I think the fourth quarter of last year was a strange quarter in the sense everybody was worried about the fiscal cliff and what that meant.  I think that led to people even being more cautious, making sure they have a financial buffer." 

FOX Business | Mar 20
Safety of U.S. Banks
Jim Chessen, ABA chief economist says, "The FDIC is strong. It is backed fully by the entire banking industry that pays for losses – not taxpayers – and the full faith and credit of the United States stands behind it."

FOX Business | Feb 14
Regulation
ABA President and CEO Frank Keating says, “Banks of all sizes are important for the success of the United States.  We need to make sure we have regulation that makes sense and is not excessive for the sake of being excessive.”

FOX Business | Feb 6
Cybersecurity
Doug Johnson, ABA VP of risk management policy says,"The threat has shifted and our industry has recognized that that's the case, so we take a lot of different measures to make sure the cyber environment is secure."

FOX Business | Jan 30
Cybersecurity
ABA President and CEO Frank Keating says, "We have an opportunity for the private sector, without too many top secret clearances, to coordinate, share information and protect America."

C-SPAN | Jan 17
ABA's Economic Advisory Committee
Scott Anderson, chairman of ABA's economic advisory committee and Bank of West chief economist, says, "The fight over the debt ceiling and the possibility of spending cuts or additional tax increases threatens to stop the economic recovery in its tracks.”

CNBC "Squawk Box" | Jan 2
Debt Ceiling Debate
ABA President and CEO Frank Keating says "It can be done and it can be done in a bipartisan way, it just takes leadership. Somebody needs to sit at the head of the table, close the doors and lock them and say we’re not leaving till we resolve this."

FOX and Friends | Dec 28
Health Savings Accounts
Kevin McKechnie, executive director of ABA's HSA Council says, “The biggest pros are that when the Affordable Care Act comes into effect in 2014 and every American is going to be required to have health insurance, this is going to be the most affordable product you can buy, by a lot. So we think, that you’re going to be needing  to save money over time. We know this is going to be the most affordable thing. This is where the millions of Americans who don’t have health insurance are going to land.”

FOX Business | Dec 27
Health Savings Accounts
Kevin McKechnie, executive director of ABA's HSA Council says, “A health savings account is something like that (a 401k). It is a savings account in a bank that is paired with a qualifying medical plan, the major medical insurance, and what happens is you pay for things like doctors visits and so on, out of your account. It grows over time tax free, but the insurance is always there. In fact, you can’t have a health savings account without the qualifying insurance.”

CNN | Dec 18
Tragedy in Newtown, Conn.
ABA President and CEO Frank Keating says, “Today, seventeen years after the Oklahoma City bombing, with private funds, we are still putting children through college, providing counseling, particulary for first responders, firefighters and police officers, and even providing medical care for a number of the badly injured.”

CNN | Dec 14
Fraud
Doug Johnson, ABA VP of risk management policy says, "Because you've alerted the bank, as we've suggested, that the transaction was unauthorized, essentially, the bank will reimburse you after they've investigated that and confirmed that."

FOX Business | Nov 12
Treasury Secretary
ABA President and CEO Frank Keating says, “This is a huge selection. What we really need as a country is someone who will be the economic spokesman for all Americans, red states and blue states alike.”

FOX Business | Oct 11
BASEL III
ABA President and CEO Frank Keating says, “We’ve asked the regulators -- the Federal Reserve Board in particular -- not just to pause, but to stop, and back up and start anew.  There’s simply no reason for us to genuflect to whatever Europe wants.  We ought to start it and do it ourselves -- for ourselves. We’re a very unique banking system.”

Nightly Business Report | Aug 13
Mortgages (appearance at 10m 14s)
Bob Davis, ABA EVP of mortgage markets, financial management & public policy says, “We are behind the concept of the rule. We think some of the implementation is heavy handed and restrictive because it focuses too much on what happened to the few institutions who were large players during the crisis, as opposed to the servicing regime we want across the board for the whole industry in the future.”

Bloomberg | Aug 8
Regulation
ABA President and CEO Frank Keating says, "I think what’s important is to take a hard look at Dodd Frank, 7,500 pages of proposed and final rules, and take a look at BASEL III, 700 pages of capital rules. The average ABA member is a billion dollars and less in assets… Who can conform with 37 employees to this mountain of regulation, this mountain of uncertainty and this mountain of potential tax and regulatory liability. It’s virtually impossible."

FOX Business | Aug 6
Large Banks
ABA President and CEO Frank Keating says, "We want to encourage America to continue to have this balance of payments surplus in financial services."

Nightly Business Report | July 31
Legislation (appearance at 2m 10s)
Jim Chessen, ABA chief economist says "The pendulum has swung, and there is so much pressure now on community banks to raise more capital and comply with these rules that  it makes it very difficult to go about the daily business."

 Brownfield | July 23
 Crop Insurance                   
 ABA Vice-Chariman Jeff Plagge says, "There isn't a farmer in the country that wouldn't prefer to 
 harvest a good crop opposed to crop insurance or other protections, but it really does put
 some level of protection out there that we haven't seen before during these cycles.”

CNN | July 21
Dodd- Frank
ABA President and CEO Frank Keating says, "You want a regulatory system you can actually chew and digest. And when you’re looking at Dodd-Frank, with 240 rules, 100 yet to be written, 8,000 pages of proposed and final rules -- how many Dostoevsky and Danielle Steele novels is that? It’s pretty hard for these small banks to digest.”

                           WSJ Market Watch | June 21
                           Mortgage Lending                 
                           ABA President and CEO Frank Keating says, "There is no better time to buy a house… 
                           Obviously, [banks] want to check you out pretty thoroughly… but they do want to make loans."

ABC 7 | May 3
Mobile Banking Safety
Doug Johnson, ABA VP of risk management policy gave tips for safe mobile banking saying, ”We are all very anxious to put a lot of interesting and entertaining applications on our phone, but we need to really vet that application before we put it on the phone.“

PBS NEWSHOUR | May 1
Bank Lending
James Chessen, ABA chief economist says, "The risky lenders are out of business now. The banks that have survived today are the healthy ones that are going to be here for the next 50 or 100 years. And they want to get credit in the hands of their customers that can handle it."

Fox Business | Mar 21
Too Big To Fail
ABA President and CEO Frank Keating says, "Dodd Frank has a provision for bankruptcy, for winding down too big to fail. Let that work if it has to, but don't bust up American banks and make us less competitive and send all those jobs to the big, international banks that right now are a lot bigger than most of ours anyway,"

Fox Business | Mar 13
Consumer Lending
ABA President and CEO Frank Keating says, "Banks make money by lending money … and over the course of the last number of months, consumer lending … is up modestly, if not dramatically,"

NPR | Feb 27
Mortgage Lending
Bob Davis, ABA Executive Vice President discusses the prevalence of investors buying homes with cash, along with loss mitigation decisions banks use when managing real estate portfolios.

FOX Business | Feb 24
Overdraft Fees
Rich Riese, ABA SVP for the Center for Regulatory Compliance explains, "If you don't like the service… you can get out anytime. It's a lot easier to get out of this than get out of a cell phone contract."

CNBC | Feb 16
Community Bank Challenges
ABA President and CEO Frank Keating says, "The banks are largely healthy, but small communities in America need community banks. If the community bank closes, the town closes, and that should be worrisome to all of us."

BNN | Jan 25
Today's Banking Industry
ABA President and CEO Frank Keating explains, "The United States has over 7,000 banks. There are some very large banks but most of them, quite truthfully in numbers, are community banks that keep the cities and towns from sea to shining sea alive. So to demonize banks hurts everybody."

KJZZ | Jan 19
Small BusinessLending (appearance at 25s)
ABA President and CEO Frank Keating says, "What concerns small business is obviously the uncertainty of the economy, poor sales, taxes and government red tape. Bankers are ready to lend, obviously they need to have willing barrowers and we are beginning to see, which is good news for America and for job growth."

FOX Business | Jan 5
CFPB: Cordray recess appointment
ABA President and CEO Frank Keating says, "If you believe you should have a CFPB, consumer financial protection bureau, then focus on the non bank, the payday lenders, the mortgage brokers, that are not regulated. The banks are heavily regulated as it is."

FOX Business | Dec 12
CFPB Structure
ABA President and CEO Frank Keating says, "Even Barney Frank as the architect of Dodd-Frank admitted there's need for improvement, massaging, amendment if you will. I think for us recognizing the enormous power of this agency to have no oversight by Congress for its budget, to have no real oversight in terms of appeal…all those are room for improvement."

                    Reports from ABA's Agriculture Banking Conference | Nov 4-6
                    Agricultural Banking Policy, Performance, and Outlook 
                    John Blanchfield, ABA SVP for Agricultural and Rural Banking, along with Albert Kelly, ABA         
                    Chairman, and other bankers recorded twenty four interviews at the ABA 2011 Agricultural Banking 
                    Conference. The radio stories cover a variety of issues including agricultural banking policy; crop 
                    performance and outlook; and banking regulation.

WBAL 11 | Oct 27
Debit Card Fees and the Cost of Checking
Nessa Feddis, ABA VP and senior counsel for regulatory compliance says, "We understand people are frustrated. Let's face it, we'd all like everything to be free…The government has come in and cut off part of one of the sources of income that help pay for the cost of providing a checking account, that is, what the merchants pay to use the system and so, the cost has shifted to consumers."

FOX Business | Oct 20
Housing, Dodd-Frank and the Financial Crisis
ABA President and CEO Frank Keating says, "What I would hope would occur is that men and women in the Congress of both parties will look at Dodd-Frank and determine what should be amended or repealed in the statute. That hasn't begun yet but it should be started."

The Credit Line | Oct 15
Bank Fees, Checking Account Costs and Consumer Value (appearance at 2m 15s)
Nessa Feddis, ABA vice president and senior counsel for regulatory compliance says, "Checking accounts are taken for granted… One thing that has changed is the enormous value people get that they didn't 20 years ago. You would access your account with checks or go down to the bank. Now you can access your account 24/7, instantly, quickly, reliably, privately, and use your money to make payments and purchases from the comfort of your home to around the world. What tends to get overlooked is that there is great value and convenience in checking accounts, and that there are costs involved in providing it."

Reuters Insider | Oct 5
Consumer Delinquencies
James Chessen, ABA chief economist says,"The delinquencies we've seen on consumer loans are really a reflection of a very slow job picture, weak economy, and rising gas and food prices that have squeezed wallets."

National Public Radio | Oct 4
Debit Card Fees (appearance at 7m 58s)
Nessa Feddis, ABA vice president and senior counsel for regulatory compliance says, "When the government intrudes and imposes price controls, the natural response is for any business to find a way to replace that lost income."

PBS Nightly Business Report | Sep 30
Direct deposit advance services
Nessa Feddis, ABA VP and senior counsel for regulatory compliance explains, "This is an innovative, creative way to try to address the needs of people who need short-term loans yet provide the safe guards so they don't get into a cycle of debt."

Marketplace | Sep 30
Changing landscapes for debit cards
Ken Clayton, ABA SVP and chief counsel says, "And so when the government came in and basically capped the amount of revenue they could get, banks had to figure out if they want to keep offering consumers products, how do they do that?"

CBN News | Sep 27
Regulatory Red Tape
ABA President and CEO Frank Keating asks, "When you have 37 employees and 4,000 pages to read and you also have to run a bank -- how are you going to do that?"

C-SPAN | Sep 27
The Economy
Jim Chessen, ABA chief economist, shares an economic update at the ABIA annual conference. He discusses current macro conditions and why it's not 2008 again (although it feels that way), why what happens in Europe matters a lot to the U.S.and the debt problems in the U.S. must be addressed.

ABC World News Tonight | Sep 26
Regulations Spurring Increase in Bank Fees
ABA President and CEO Frank Keating represented the banking industry in an interview Monday with ABC World News Tonight on bank fees. Keating explained to the reporter preparing the story that regulatory changes, including government-imposed interchange fee restrictions, have forced some banks to re-price their services and eliminate free checking.

Bank Information Security Media Group | Sep 13
Online banking now popular with older adults
Nessa Feddis, ABA VP and senior counsel for regulatory complance says, "What stood out was the enormous increase in the percentage of people over 55 who say they prefer online banking compared to any other banking methods… they have discovered how convenient and time saving online banking is."

WABC-NY "The John Batchelor Show" | Sep 6
Regulation and Our Nation's Community Banks
ABA President and CEO Frank Keating explains, "Dodd-Frank alone is nearly 4,000 pages… you have to read every single word or you could be in civil or criminal jeopardy. This is just over kill beyond over kill, and this is at the point now where a lot of small banks are utterly exhausted."

FOX Business | Sep 2
Industry Over-Regulation
ABA President and CEO Frank Keating says, "Bad facts make bad law… The average bank has 37 employees. These regulatory filings are now up well over 4,000 pages. The number of regulators… will amount to three regulators per bank. How do you do anything if you have a policeman standing on the street corner every several feet… questioning what you're doing? That's what worries me from a commonsense standpoint."

CNBC "The Call" | Aug 15
Market Turmoil (appearance at 3m 40s)
ABA President and CEO Frank Keating explains, "There's a regulatory bear hug around a lot of people who do want to lend. Obviously, it's a very soft economy because we're still struggling with leaving one recession, hopefully not going into another. But it's a tough lending environment out there."

FOX Business | Jul 28
Regulatory Burden
ABA President and CEO Frank Keating says, "Right now we're facing the prospect, the reality really, of rules and anticipated rules of some nearly 4,000 federally registered pages in length … The average community bank has about 37 employees. Who's going to read all that stuff?"

FOX Business | May 4
CFPB Leadership

ABA President and CEO Frank Keating weighs in on CFPB leadership. "We are a nation of limited government," he said. "The FDIC has a board, the Fed has a board. There's no reason why there can't be an oversight board for this Consumer Financial Protection Bureau as well."

MARCH 2011

CNBC "Street Signs" | Mar 30
ATM Fees and Interchange
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "Everybody can avoid ATM fees, including low and moderate income people, they don't pay ATM fees, they simply use the ATM owned by their bank. Choose a bank that is close to an ATM convenient to them."

The Street | Mar 8
Small Banks
Gov. Frank Keating, ABA President and CEO believes small banks are paying the price for misdeeds of others.

PBS "The NewsHour with Jim Lehrer" | Mar 8
Interchange
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "The fee covers the cost of providing this 24/7-available system. And it's reliable. It's quick. It's secure. It not only helps maintain it, but it helps improve it. That means innovation. And one of the great concerns here is that, if they don't have the money, you won't see any more innovation."

Marketplace | Feb 11
Check Processing
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "Many banks will provide quicker availability for good customers. So people should ask for sooner availability if they need it."

The Atlantic's town hall meeting on jobs | Feb 9
The Economy (appearance at 36m 30s)
Judy Woodruff, anchor of PBS NewsHour, interviews ABA Chief Economist James Chessen, who says,"We believe that [community banks] are extremely important to the life blood of their communities."

CSPAN | Jan 19
ABA Economic Advisory Committee
Stuart Hoffman, acting committee chairman and chief economist of PNC Financial Services Group Inc. says, "That kind of economic growth, we anticipated, would add about just over 2 million jobs over the course of 2011."

CNBC | Jan 11
Consumer Credit Delinquency Bulletin
James Chessen, ABA chief economist says, "It's really a story about jobs. What happened in the third quarter is the job market stumbled and practically fell. Public sector layoffs were greater than the jobs that the private sector was creating."

North American Agricultural Lenders Conference | Nov 8
Community Bankers
Steve Wilson, ABA chairman says, "There are two and half million bankers that go to work every day in this country in towns all across this great nation that are doing their job like they've always done it. They live in the community, work in the community, play in the community, volunteer in the community and give back to the community every day."

North American Agricultural Lenders Conference | Nov 8
Economy
Keith Leggett, ABA senior economist, says, "We're going to see the Fed is intervening with regard to long term treasury rates and if these interest rates are used as an index for pricing farm loans then you'll see lower interest rates on farm loans."

North American Agricultural Lenders Conference | Nov 8
House & Senate Agricultural Committees
John Blanchfield, ABA SVP of Agricultural and Rural Banking says, "First, the Republicans will bring in their farm policy. And second, it's not clear what the democrat minority will think about in terms of agricultural policy. And increasingly, the agricultural committee of the house is becoming more of a suburban committee versus a deeply rural one. That all means a lot as we come up to the next farm bill."

National Public Radio | Oct 28
Mortgage Lending
Bob Davis, ABA EVP of mortgage markets, financial management & public policy says buyer's regret is simply not a good reason to abandon a home, or leave a community with a vacant home.

WHDH Boston | Oct 25
Loan Modification Scams (appearance at 2m 4s)
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "The banks and other lenders are very willing to negotiate directly with their customers and that's probably how they're going to get the best deals."

Houston Public Radio | Oct 21
Get Smart About Credit Day
Laura Fisher, executive director of the ABA Education Foundation says Houston-area bankers are volunteering to give classroom lessons. "It's not everyday you have an expert in the classroom and bankers really do have a unique knowledge base because they can bring a lot of information to those students."

CNBC "Squawk on the Street" | Sep 10
Basel III
Mary Frances Monroe, ABA VP for regulatory policy says, "If the smaller banks cannot raise enough capital in the market, they may resort to shrinking their balance sheet."

PBS "Nightly Business Report" | Sep 9
Small Business Lending
Bob Seiwert, ABA SVP for commercial and business banking says, "There's a certain amount of debt that each of us either as an individual or a business owner can handle. They may have been successful in the past in handling that debt, but they need to understand that, through this economic crisis, the landscape has changed."

C-Span "Washington Journal" | Aug 17
Financial Regulatory Reform
James Chessen, ABA chief economist says, "We need to make sure there's a balanced approach so that banks can continue to make good quality loans in their communities, and customers feel they have products and services that they can count on."

PBS "Nightly Business Report" | Jul 9
Credit Card Changes (appearance at 14m 1s)
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says a new box on your credit card statement "will sum up the amount of fees and the amount of interest paid that month and for that year, so people at the end of the year can look and say, boy, I spent that much on interest. Maybe I should pay down my loan."

CNBC "Street Signs" | Jun 25
Financial Regulatory Reform Bill
ABA President and CEO Ed Yingling says the bill "is going to impose thousands of pages … of new regulations on community banks who didn't make any subprime loans, and the end result is going to be less credit."

WNYC "The Brian Lehrer Show" | Jun 18
New Overdraft Rules (11m 28s)
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "The basic rule is that banks may not impose an overdraft fee for an ATM or a onetime point-of-sale debit card overdraft unless the customer expressly consents. This means that consumers are in driver's seat."

NBC "Today Show" | Jun 18
ATM Skimming
Doug Johnson, ABA VP of risk management policy says, "You're always going to have some very smart people who are at the top of the chain that are very hard to get to."

Reuters TV | Apr 26
Financial Regulatory Reform Bill
ABA President and CEO Ed Yingling explains the politics of the Senate's procedural votes on the reform legislation during a video interview with Reuters financial reporter Karey Wutkowski.

C-SPAN | Apr 23
Digital Money (appearance at 1h 21m)
Wayne Abernathy, ABA EVP of financial institutions policy and regulatory affairs joins a panel at the American Enterprise Institute discussing digital money and the future of electronic payments.

CBS Evening News | Apr 22
Financial Regulatory Reform Bill
ABA President and CEO Ed Yingling explains the community-bank stance on the bill saying it "would limit the ability of your local bank to make loans to consumers and to small businesses to create jobs."

CNBC "Kudlow Report" | Apr 19
Financial Regulatory Reform Bill
ABA President and CEO Ed Yingling describes an ABA letter to the Senate in which we identified 27 new or expanded regulations that apply to traditional banks, "Here you have members of Congress all saying, 'Traditional banks had nothing to do with the crisis, we want to support them,' yet you have a bill that has 27 new [or expanded] types of regulations."

FOX News Channel "FOX & Friends" | Apr 7
Health Savings Accounts
Kevin McKechnie, executive director of the American Bankers Insurance Association says, "We visited with all these congressmen to point out that if you're going to order every American to buy insurance, you've got to have something affordable for them to purchase. The irony here is that we may end up being the life boat for this entire plan."

Reuters TV | Apr 7
Consumer Loan Delinquencies
James Chessen, ABA chief economist says, "I'm encouraged by what consumers have done. The debt-to-income level today is what it was back in 2001. So, it has shown a very consistent pattern. Consumers are really working to get those debt levels down."

FOX Business | Mar 23
Bank Lending
ABA President and CEO Ed Yingling comments on criticism regarding bank lending, "As the President and the Secretary of the Treasury have recently said, we do have a problem with a regulatory overreaction… and so, we have to get the balance right with the regulators. We have regulators come in and say, 'Well, I know this looks like a perfect loan but I don't want you making any more of those kinds of loans.'"

C-Span | Mar 18
ABA Government Relations Summit
Senate Banking Committee ranking Republican Richard Shelby (R-Ala.) and House Majority Leader Steny Hoyer (D-Md.) give bankers their views on financial regulatory reform at the ABA GR Summit.

C-Span | Mar 18
ABA Government Relations Summit
Federal Reserve Bank Presidents participated in a panel titled The Role of Banking in Local Economic Growth. Among their remarks, they defended their role in supervising small community banks, and warned against proposals circulating Congress that would take away this authority. Following their discussion they responded to audience members' questions.

C-SPAN | Mar 18
ABA Government Relations Summit
Three financial reporters talked about how they cover Capitol Hill in a panel called The Media, Financial Institutions and Your Bank. Topics included the financial regulation overhaul bill making its way through Congress. Following their remarks they responded to audience members' questions.

NPR "Diane Rehm Show" | Mar 9
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "A lot of times when people get into credit card debt the underlying problem isn't the credit card debt. It's a life crisis, a medical problem, a divorce, a lost job. And in many cases, the credit card helped people bridge the gap to get through that crisis."

ABC News | Feb 21
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "I think there was a lot of frustration among a lot of customers and this is Congress and the regulators responding to that frustration."

CBS Evening News | Feb 21
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "The consumer is in control. If they get a notice that there is a new fee or an increase, they can just say no."

NPR "All Things Considered" | Feb 21
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "We're in a period of transition, where there's going to be experimentation and innovation. Banks will see how consumers respond. At the end of the day, consumers are going to drive the credit card product."

CNN "American Morning" | Feb 19
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "Interest rates will be a little bit higher across the board, it'll be harder for people to get cards, limits will be lower, and, beyond that, card companies are looking at annual fees, a reduction in promotional rates, maybe a reduction in rewards programs."

CNN Money | Feb 3
Proposal to Limit Large Banks
ABA President and CEO Ed Yingling says, "Within the industry one of the issues is they're trying to understand what the definition of proprietary trading will be. It's pretty clear that legislation in the United States won't have a hard and fast definition. What they're more likely to do, and what the House bill has already done, is say to the regulators 'This is an issue. You need to look at it. You need to address it and you have the tools, if you think it's risky, to address it.'"

Nationally Syndicated "America's Morning News" | Jan 26
Anti-Bank Rhetoric (appearance at 10m 20s)
ABA COO Diane Casey-Landry says, "One of the big things that this administration can do is distinguish between Wall Street and the investment banks and the commercial banks and the Main Street banks. Community banks were not part of this and the Wall Street bonuses are certainly not something you see on Main Street, ever."

CNBC "Closing Bell" | Jan 21
Too-big-to-fail
ABA President and CEO Ed Yingling says, "We represent banks of all sizes, and community banks are very concerned that the language in Washington is very negative about banks -- that banks are risky, that banks cost the taxpayer. For example, I don't think a lot of the public understands that in every program involving banks the government is making a profit."

C-SPAN | Jan 19
Economic Forecast
Stuart Hoffman, ABA Economic Advisory Committee chairman and chief economist, PNC Financial Services, Inc., Pittsburgh says, "The recession technically ended last year. However, the normal rapid economic rebound seen in the first year or so following past deep recessions will not occur...I would call it a 'half-speed' economic recovery."

CNBC "Squawk on the Street" | Jan 8
Small Business Lending
ABA President and CEO Ed Yingling says, "The demand for credit is down. Now, there are things on margin that can be done to increase the availability of credit. The bankers are looking at second look programs so they can get beyond the routine, normal way you extend credit and say, 'Is there something special we can do to help this small business?'"

PBS "Nightly Business Report" | Jan 5
Treasury's TARP Investments (appearance at 8m 20s)
James Chessen, ABA chief economist says, "There are certainly risks of investments for the Treasury, but the profits that Treasury is expecting on the banking portion of TARP far outweighs any of the losses that they anticipate."

ABC "World News" | Jan 4
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "There's still a lot of competition, there's still a lot of solicitations in the mail and customers can vote with their feet and move to a competitor."

NPR "Marketplace" | Dec 22
Lending Challenges for Community Bankers
ABA COO Diane Casey-Landry says, "When [regulators] go into a smaller institution, they have the opportunity to go through literally every single loan. And then when you begin criticizing the loans, and you're looking at every one, it can have a ripple effect throughout the institution."

NPR "Marketplace" | Dec 8
Small Business Lending (appearance at 5m 03s)
Bob Seiwert, SVP and senior director for ABA's Center for Commercial Lending & Business Banking says, "When you have a recessionary economy, businesses are not expanding. They're not opening new locations. So when your business line is trending down, you don't need additional funds."

Northwest Ag Information Network "Washington Ag Today" | Nov 30
Agriculture
Keith Leggett, ABA VP and senior economist says, "If you look at the last two recessions, what you found is that the Fed did not start did not start to raise interest rates until almost a year and a half after the unemployment rate peaked...Overall that means borrowing costs for farmers are going to remain favorable."

PBS "Frontline" | Nov 24
Credit Cards
(Part Four: Consumers Pay the Price 27m30s)
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "Congress understood when they adopted the rule that credit cards would be more difficult to get, limits would be lower and interest rates would be higher for everyone. But they made the decision that that result was an acceptable consequence, an acceptable trade-off, for the sake of the consumers."

CNN | Nov 19
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "There are other ways to address [credit card agreements] rather than having to create an expensive big bureaucracy."

CNBC "Street Signs" | Nov 16
Ally Bank
ABA President and CEO Ed Yingling says, "Our regulators have learned [from the crisis in the 1980s] that if you have an institution that is troubled and if they are trying to grow their way out by paying very high rates, that often is a prescription for a bigger problem."

ABC World News | Nov 10
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says in this tough economy, many people can't pay their bills "so losses are up and those losses, in part, are paid for by other borrowers in the form of higher interest rates."

CNBC | Oct 27
Resolution Authority
ABA President and CEO Ed Yingling says, "We need to see the exact language but generally we think Congress is moving very much in the right direction."

FOX Business | Oct 26
Protests at ABA Annual Convention
ABA President and CEO Ed Yingling says, "These bankers come from all over the country. Probably the median number of employees for these banks is around 50. These are small businesses. Nobody around here made any toxic subprime loans or took big bonuses. They're just trying to serve their communities."

National Public Radio | Oct 14
ATM Skimming
ABA spokeswoman Margot Mohsberg Johnson says, "If you see a machine that looks like there has been something attached to it, you should be suspicious and you should tell your bank, or simply use a different machine."

NPR "Marketplace" | Oct 9
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "Consumers are in control. If they don't like the new interest rate, they can keep the old one, pay off the balance over time and find another issuer."

NPR "Diane Rehm Show" | Oct 8
Overdraft Fees
ABA COO Diane Casey-Landry says, "Our surveys and the Federal Reserve and the FDIC have shown that almost 82 percent of people did not have an overdraft last year and that the vast majority were very happy when their bank, in fact, covered it."

PBS "Nightly Business Report" | Sept 29
FDIC
James Chessen, ABA chief economist says the FDIC's proposal is "going to have less impact on the banks and less impact on their communities."

FOX Business "Closing Bell" | Sept 29
FDIC
James Chessen, ABA chief economist says, "It is a lot of cash out for the industry but it's certainly better than the alternative which was to take a large chunk of money out of income and out of capital from the industry right away. This plan allows the banks to pay for those costs and expense that over the next three years."

CBS Evening News | Sept 23
Overdraft Fees
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "It is really up to the customer to know what their balance is and how much they have to spend."

NPR "Marketplace" | Sept 23
Regulatory Reform
ABA President and CEO Ed Yingling says, "You will lose the debates you now have among regulators, which are valuable. It's great to have one regulator if that regulator is right, but it's terrible if it's wrong."

NPR "All Things Considered" | Sept 15
Regulatory Reform
ABA COO Diane Casey-Landry says, "We have 8,200 banks in this country, 96 percent of which are well capitalized. The reality is you don't regulate and set new regulations and an entire government bureaucracy because of several institutions that have failed."

NPR "Marketplace" | Sept 1
Bank Marketing
ABA spokeswoman Carol Kaplan says, "A small bank has more at stake in the small market and more likely to know what might go over well in their community."

FOX Business | Aug 27
FDIC and Private Equity Firms
ABA President and CEO Ed Yingling says, "It does cost the FDIC fund when you have failures and every penny in the FDIC fund is paid for by banks. I think [community banks] are happy, if it's done the right way, to have that extra capital come in and buy troubled banks. They want it to be done fairly they should have an equal footing in terms of these acquisitions."

CNBC "Power Lunch" | Aug 26
FDIC and Private Equity Firms
Wayne Abernathy, ABA EVP of financial institutions policy and regulatory affairs says, "I think it's a good idea to make sure that the people who are investing in banks are committed to the banking industry, that they're committed to their investment."

PBS "The NewsHour with Jim Lehrer" | Aug 20
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "The predominant effect of this new law is that consumers will no longer be surprised by an interest rate increase. For the most part, they will receive a 45-day advanced notice and, more importantly, the option to pay off the existing balance over time at the original rate."

NPR "All Things Considered" | Aug 20
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "When Congress made these decisions, it understood it would be harder for people and for small businesses to get credit cards and that limits would be lower and that credit card interest rates, in general, would go up across the board. But they made the decision that this was an acceptable compromise for the consumer protection."

NBC News | Aug 18
Identity Theft
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "Bottom line, as a general matter, whether it's a credit card or a debit card, consumers are not liable for unauthorized transactions -- including transactions that are the result of hacking."

NBC Nightly News | Aug 16
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "Everybody presents a higher risk than what they did a year ago. Each individual card company is going to look at thier own portfolio, thier own customers."

FOX Business | July 26
Bank Lending
James Chessen, ABA chief economist says, "There's a lot of availability for loans. That's what banks are in business to do and everyday they're looking for good loans."

Bloomberg Television | July 26
FDIC and Private Equity Firms
Mark Tenhundfeld, ABA SVP office of regulatory policy says, "It's important that private equity have a high hurdle to clear and that anybody who comes in and buys stock of a bank be serious and responsible and be there in good times and bad."

NPR "Marketplace" | July 22
Treasury's TARP Investments
James Chessen, ABA chief economist says, "Taxpayers are getting a great return. It's over 12 percent. This is a big success for the government."

NBC Nightly News | July 21
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "Credit card companies are losing money because people are losing jobs. And the first bill they stop paying is their credit card."

CNBC | July 14
Consumer Protection Agency
ABA President and CEO Ed Yingling says, "It would subject your local community bank to conflicting regulation. So you have one examiner, the safety and soundness examiner, who says one thing, and the consumer examiner comes in the next day and says exactly the opposite."

ABC News "Nightline" | July 8
Overdraft Fees
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."

FOX Business | July 1
First Trust NASDAQ ABA Community Bank Index Fund
ABA COO Diane Casey-Landry says, "We want to draw some attention to the community bank sector which is still performing extremely well."

CNBC "Street Signs" | July 1
Ally Bank
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."

FOX Business | June 30
Credit Cards
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."

NPR "Marketplace" | June 26
Consumer Protection Agency
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."

NPR "Marketplace" | June 26
Credit Cards
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."

NPR "Marketplace" | June 23
Credit Cards
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."

Bloomberg Television | June 19
Consumer Protection Agency
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."

CNBC "Street Signs" | June 18
Consumer Protection Agency
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."

PBS "The NewsHour with Jim Lehrer" | June 17
Regulatory Reform
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."

PBS "Nightly Business Report" | June 15
Regulatory Reform (appearance at 5m 33s)
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."

ABC World News | May 20
Credit Cards
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."

NBC Nightly News | May 14
Credit Cards
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?'"

PBS "The NewsHour with Jim Lehrer" | May 14
Credit Cards
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."

FOX Business | May 8
'Stress Tests'
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."

CNBC "Squawk on the Street" | May 8
'Stress Tests'
Helping to restore investor confidence in banks, ABA President and CEO Ed Yingling gives insight on what banks have learned from the stress tests.

FOX Business | May 7
'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.

NBC "Today Show" | April 30
Credit Card Legislation
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance says, "The interest rates will go up across the board and it will be harder for people and small businesses to get credit cards. They may also find their limits lowered and their accounts closed."

NPR "Marketplace" | April 28
Supreme Court: Preemption
Gregory Taylor, ABA VP and senior counsel of litigation says, "A patchwork of state laws could limit things such as product offerings, increase operating expense, reduce efficiency in which banks do their business."

CNBC "Kudlow & Company" | April 23
Credit Cards
After meeting with President Obama at the White House, ABA President and CEO Ed Yingling discusses consequences of upcoming credit card regulations and proposed legislation with House Financial Services Chairman Barney Frank.

CNBC "Kudlow & Company" | April 17
Capitol to Capital?
ABA President and CEO Ed Yingling says banks are returning to normalcy after period of 'dead wrong' speculation.

NBC Nightly News | April 14
Credit Cards
Nessa Feddis, ABA VP and Senior Counsel for regulatory compliance, says "we want the banks to repay the loans at interest to the government. That's in everybody's interest. And if they're not able to make profits, they can't repay the government."

FOX Business "Money for Breakfast" | April 10
'Stress Tests'
Wayne Abernathy, ABA EVP of financial institutions policy and regulatory affairs says, "This is a test to see what if the unusual happens, what if the economy stays flat much longer than anyone predicts, how would you do in the unusual."

FOX Business | April 2
Mark-to-Market
ABA President and CEO Ed Yingling welcomes FASB's guidance on mark-to-market accounting and impairment rules.

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.