|
|
View All News
- CBA Letter Supporting the Data Security Act of 2010 (August 24, 2010)
- CBA President Richard Hunt Named Top Association Leader (August 17, 2010)
- CBA Testifies on the Community Reinvestment Act (August 16, 2010)
- CBA Supports Amendment to Strike Interchange Language from Appropriations Bill (July 29, 2010)
- CBA Letter Supporting Provision for Small Business Lending Fund (July 28, 2010)
- CBA Responds to the President’s Signing of the Dodd-Frank Bill (July 21, 2010)
- CBA Responds to Passage of Dodd-Frank Bill (July 15, 2010)
- DAILY REGULATORY REFORM UPDATE (July 15, 2010)
- Regulatory reform passes...President expected to sign next week. (July 15, 2010)
- DAILY REGULATORY REFORM UPDATE (July 14, 2010)
- DAILY REGULATORY REFORM UPDATE (July 13, 2010)
- CBA Letter Opposing Amendment to Increase Lending Caps for Credit Unions (July 12, 2010)
- DAILY REGULATORY REFORM UPDATE (July 12, 2010)
- Comptroller Dugan to Leave Office on August 14 (July 8, 2010)
- CBA Responds to Edward Yingling’s Announcement of Retirement (July 7, 2010)
- DAILY REGULATORY REFORM UPDATE (July 7, 2010)
- CBA URGENT ACTION ALERT: Call your U.S. Senators Today: Urge them to vote against the Dodd-Frank bill! (July 1, 2010)
- DAILY REGULATORY REFORM UPDATE (Part 1 of 2) (July 1, 2010)
- DAILY REGULATORY REFORM UPDATE (Part 2 of 2) (July 1, 2010)
- CBA letter opposing reg reform conference report (June 30, 2010)
- DAILY REGULATORY REFORM UPDATE (June 30, 2010)
- DAILY REGULATORY REFORM UPDATE (June 29, 2010)
- Dodd-Frank Bill (Summary and Conference Report (June 29, 2010)
- CBA Comments on OTS Proposed Supplemental Guidance on Overdraft Protection Programs (June 28, 2010)
- CBA Responds to Conference Passage of Financial Regulatory Reform Bill (June 25, 2010)
- DAILY REGULATORY REFORM UPDATE (June 24, 2010)
- DAILY REGULATORY REFORM UPDATE (Part 1 of 2) (June 23, 2010)
- DAILY REGULATORY REFORM UPDATE (June 22, 2010)
- DAILY REGULATORY REFORM UPDATE (Part 1 of 2) (June 21, 2010)
- DAILY REGULATORY REFORM UPDATE (Part 2 of 2) (June 21, 2010)
- CBA President Named Top Lobbyist for 2010 (June 17, 2010)
- DAILY REGULATORY REFORM UPDATE (June 17, 2010)
- CBA Letter on Preemption Language (June 16, 2010)
- DAILY REGULATORY REFORM UPDATE (June 16, 2010)
- DAILY REGULATORY REFORM UPDATE (June 15, 2010)
- Final Credit Card Rules Issued by FRB (June 15, 2010)
- CBA ACTION ALERT: Speak Out Against Harmful Interchange Legislation! (June 14, 2010)
- DAILY REGULATORY REFORM UPDATE (June 11, 2010)
- DAILY REGULATORY REFORM UPDATE (June 10, 2010)
- DAILY REGULATORY REFORM UPDATE (June 9, 2010)
- Fed issues final Regulation E and DD clarifications for overdraft policy (May 28, 2010)
- DAILY REGULATORY REFORM UPDATE (May 26, 2010)
- DAILY REGULATORY REFORM UPDATE (May 25, 2010)
- CBA Announces the GSRBM Class of 2010 Award Recipients (May 23, 2010)
- Financial regulatory reform bill passes on vote of 59 to 39 (May 21, 2010)
- Joint Letter on FCC’s Autodialer Proposal (May 21, 2010)
In a letter dated Friday, May 21, 2010, the Consumer Bankers Association, the American Bankers Association and the Financial Services Roundtable submitted comments on the FCC’s autodialer proposal pursuant to the Telephone Consumer Protection Act.
- Senate Passes Financial Overhaul – Next Step: Conference with House (May 21, 2010)
- DAILY REGULATORY REFORM UPDATE (May 20, 2010)
- Sen. Whitehouse Usury Amendment (#3746) - FAILS (May 20, 2010)
- Senate votes to end debate on regulatory reform bill (May 20, 2010)
- CBA CALL TO ACTION (May 19, 2010)
- CBA Regulatory Reform Update (May 19, 2010)
- DAILY REGULATORY REFORM UPDATE (May 19, 2010)
- CBA Regulatory Reform Update – Preemption (May 18, 2010)
- CBA's President Comments on Passage of Senator Carper Amendment on Preemption (May 18, 2010)
- DAILY REGULATORY REFORM UPDATE (May 18, 2010)
- DAILY REGULATORY REFORM UPDATE (May 14, 2010)
- DAILY REGULATORY REFORM UPDATE (May 13, 2010)
- CBA ACTION ALERT: (May 12, 2010)
- CBA ACTION ALERT: Speak Out Against Harmful Interchange Legislation! (May 12, 2010)
- CBA sends letter to Senate urging sponsorship and support for Carper amendment (#3949) (May 12, 2010)
- DAILY REGULATORY REFORM UPDATE (May 12, 2010)
- CBA Responds to President Obama’s Remarks on Financial Reform (April 22, 2010)
- TAKE ACTION: CONTACT YOUR U.S. SENATORS IMMEDIATELY (April 19, 2010)
- FDIC Votes to Extend TAG Program (April 14, 2010)
- CBA Urges the Senate to Reject Student Loan Provisions in the Reconciliation Bill (March 24, 2010)
- FCC Proposal on Autodialers -- Restricts Collections and Other Customer Communication (March 23, 2010)
- The Latest on Pending Student Legislation (March 16, 2010)
- CBA Statement on Chairman Dodd’s Financial Reform Bill (March 15, 2010)
- Federal Reserve Proposes Rule Amending Regulation Z (March 3, 2010)
- CBA Testifies on the Condition of Small Business & Commercial Real Estate Lending In Local Markets (February 26, 2010)
- CBA Mourns the Loss of Jerry Baugh (February 22, 2010)
- CBA Announces Webinar on Student Lending (February 17, 2010)
Webinar scheduled in response to need for clarity on new regulations.
- CBA Launches "CBA SmartBrief," daily news updates for the retail banking industry (February 8, 2010)
- CBA President Richard Hunt's Statement on Inclusion of Bank Tax in FY 2011 Budget Proposal (February 1, 2010)
- CBA Washington Update: Free Members-Only Conference Call Friday (January 29, 2010)
- CBA President Richard Hunt's Statement on the State of the Union Address (January 27, 2010)
- Consumer Bankers Association Expands Staff (January 27, 2010)
CBA adds three positions in response to continued growth.
- CBA President Richard Hunt's Statement on Administration’s Proposed Bank Tax (January 14, 2010)
- CBA President Richard Hunt's Statement on Chairman Christopher Dodd's Decision Not to Seek Re-election (January 6, 2010)
- CBA Comment Letter (January 4, 2010)
CBA's comment to Federal Reserve Board on proposed Regulation Z (TILA) amendments to HELOC rules.
- CBA Chairman Gene Kirby Meets with President Obama (December 22, 2009)
- Obama, Small Banks to Discuss Lending (December 21, 2009)
- CBA President Richard Hunt's Statement on House Passage of Regulatory Reform (December 11, 2009)
- CBA Sends Letter to House Urging Opposition to the Passage of HR 4173 (December 9, 2009)
The Consumer Bankers Association supports efforts to improve consumer protection, but the CFPA is not the right approach.
- House Regulatory Reform Package, H.R. 4173 (December 3, 2009)
- GAO Report (November 19, 2009)
Credit Card Competition Benefits Consumers & Merchants
- CBA Members Participate in Treasury/SBA Small Business Financing Forum (November 18, 2009)
- Letter from CBA President Richard Hunt: (November 18, 2009)
Urges Senators to not consider further credit card legislation this year.
- CBA Bank Alert: Fed Proposes Regulation of Gift Cards (November 17, 2009)
The proposed amendment to Regulation E will implement the Credit CARD Act provisions scheduled to take effect August 22, 2010.
- CBA President Richard Hunt Urges Senators to Avoid Further Overdraft Legislation (November 17, 2009)
CBA President Richard Hunt submitted testimony for the record at the Senate Banking Committee's hearing on overdraft protection legislation, urging lawmakers not to go beyond the new Fed final rule on overdraft fees.
- CBA President Richard Hunt's Statement on Fed Final Overdraft Protection Rule (November 12, 2009)
- CBA President Richard Hunt’s Statement on Sen. Dodd’s Discussion Draft (November 10, 2009)
- Regulatory Reform: (November 10, 2009)
Chairman Chris Dodd’s Discussion Draft of Senate Regulatory Reform Bill
- Regulatory Reform: (November 10, 2009)
Summary of Chairman Dodd’s Regulatory Reform Discussion Draft
- CBA Letter to U.S. House of Representatives (November 4, 2009)
CBA urges members to vote against final passage of H.R. 3639, the Expedited CARD Reform for Consumers Act.
- CBA President Testifies on Overdraft Protection Legislation (October 30, 2009)
Bank customers value overdraft protection service
- CBA President Testifies on Overdraft Protection Legislation (October 30, 2009)
(Photo)
- Overdraft Protection: (October 30, 2009)
CBA President Richard Hunt testified during the House Financial Services Committee hearing on pending overdraft protection legislation, The Overdraft Protection Act of 2009.
- Regulatory Reform: (October 22, 2009)
Consumer Financial Protection Agency Act and Expedited CARD Act Adopted by House Committee
- Small Business Lending: (October 22, 2009)
President Obama Announces New Small Business Lending Initiatives
- Fair Lending: (October 19, 2009)
The Fed’s director of the division of consumer and community affairs said fair lending was “one component of consumer protection,” during CBA’s Fair Lending Conference, BNA Banking Daily reports.
- Sen. Chris Dodd (D-CT) Introduces Overdraft Legislation (October 19, 2009)
- Special Conference Call (CBA Members Only): (October 16, 2009)
Don’t miss CBA’s up-to-the-minute report on what is happening on Capitol Hill with the Consumer Financial Protection Agency Act.
- Regulatory Reform: (October 14, 2009)
CBA sends letter urging the House Financial Services Committee to oppose passage of the Consumer Financial Protection Agency Act of 2009
- Regulatory Reform: (October 9, 2009)
House vote on Consumer Financial Protection Agency CFPA Act and Expedited CARD Act set for Oct. 14
- Credit Cards: (September 30, 2009)
CBA President Richard Hunt explained to CBS Evening News how the industry needs sufficient time to comply with the Credit CARD Act of 2009.
- MEMBERS' ONLY CONFERENCE CALL: (September 30, 2009)
Hundreds dialed in. Listen to CBA’s member-only call on Overdraft Protection, Credit Cards, and the Consumer Financial Protection Agency Act
- Credit Cards: (September 29, 2009)
The Fed issued an 841-page proposal amending Reg. Z to implement the Credit CARD Act of 2009
- MEMBERS' ONLY CONFERENCE CALL: Overdraft, Credit Cards, and CFPA Update (September 28, 2009)
- Regulatory Reform: (September 25, 2009)
Chairman Frank issues new version of consumer agency bill.
- CBA President Richard Hunt's Statement on Early Implementation of CARD Act (September 24, 2009)
- Overdraft Protection: (September 23, 2009)
CBA President Richard Hunt explains in USA Today how banks continually review their policies on overdrafts to keep customers satisfied.
- CBA Statement on House Passage of Student Loan Legislation (September 18, 2009)
- Regulatory Reform: (September 18, 2009)
CBA joins diverse group of trade associations in signing a letter to the House about the broad scope of authority HR 3126 would give the Consumer Financial Protection Agency over businesses.
- Student Lending: (September 16, 2009)
CBA’s letter to the Hill opposing The Student Aid and Fiscal Responsibility Act (H.R. 3221), which would eliminate the Federal Family Education Loan Program.
- CBA President Richard Hunt Comments on President Obama’s Speech on Regulatory Reform (September 14, 2009)
- SPECIAL CONFERENCE CALL: (September 10, 2009)
Don't miss CBA's free members-only conference call on regulatory reform. Find out what Congress will do next.
- Credit Card Reform: (August 20, 2009)
CBA President Richard Hunt explains in USA Today the impact of the new CARDS Act.
- Mortgages (July 30, 2009)
CBA comments on interim rule providing capital risk-weighting guidelines for loans modified under the Making Home Affordable Program
- Student Lending (July 30, 2009)
CBA comments on the proposed amendments to Community Reinvestment Act regulations on low-cost education loans to low-income borrowers.
- CBO Director Casts New Doubt on Student Loan Plan (July 28, 2009)
- Mortgage Reform (July 23, 2009)
Fed Proposes Major Changes to Disclosures for Mortgages and Home Equity Lines
- CBA President Applauds Decision to Delay Vote on Consumer Protection Agency Bill (July 21, 2009)
- Student Loan Bill a "Setback for Students," But Just the First Step (July 21, 2009)
- Regulatory Reform (July 20, 2009)
Joint trade letter to the House expresses concerns about consumer protection bill’s impact on businesses.
- Regulatory Reform (July 15, 2009)
CBA's Steve Zeisel will testify during the House Financial Services Committee hearing, “Banking Industry Perspectives on the Obama Administration’s Financial Regulatory Reform Proposals”.
- Regulatory Reform (July 15, 2009)
CBA supports the goals of transparency, simplicity, fairness, accountability, and access for consumers- but the proposed Consumer Financial Protection Agency would not achieve these goals.
- CBA President Says Proposed Consumer Protection Act is a ‘Bridge Too Far’ (July 2, 2009)
- Mortgage Reform (July 1, 2009)
- Cuomo vs. Clearing House Amicus Brief (June 29, 2009)
- Preemption (June 29, 2009)
US Supreme Court’s 5-4 decision in the case Cuomo v. The Clearing House expands the authority of states to enforce their own laws over national banks
- CBA WELCOMES SIMPLIFIED STUDENT AID APPLICATION FORM (June 26, 2009)
- CBA President Comments on President Obama’s Plan for Financial Regulatory Reform (June 17, 2009)
- SPECIAL CONFERENCE CALL: (June 15, 2009)
CBA hosts member-only conference call on Obama’s proposal for regulatory reform.
- Mortgages (June 4, 2009)
CBA spearheads effort to request expedited interpretation of the Fed’s new mortgage transfer notice requirements. CBA’s letter, with attachments, outlines issues and requested relief.
- Consumer Credit (June 3, 2009)
CBA signs joint trade letter to the House expressing concerns with The Consumer Credit and Debt Protection Act’s impact on consumers
- Data Security (June 3, 2009)
CBA signs joint trade letter to House Committee on Energy and Commerce about Data Accountability and Trust Act (H.R. 2221)
- Deposit Accounts (June 1, 2009)
Banks Win Victory in California Supreme Court
- OVER 400 COLLEGE STUDENTS COMPETE IN CBA GRASS ROOTS COLLEGE ACCESS CAMPAIGN (May 27, 2009)
- Student Loans (May 26, 2009)
CBA comments on the Federal Reserve’s proposal to implement the new Regulation Z requirements for private student loans.
- Coverage of TILA Student Lending Proposal Calls for Comment (May 22, 2009)
Federal Reserve Board’s proposed student lending amendments to Regulation Z contains an overly broad definition of private education loan, which may trip up the unwary creditor. CBA encourages members to comment.
- FDIC Sets Special Assessment at 5bp Based on Assets and Cap Set at 10bp of Deposits (May 22, 2009)
- CBA FDIC Special Assessment Letter (May 21, 2009)
CBA asks FDIC to base special assessment on domestic deposits rather than assets.
- CBA Testimony (May 21, 2009)
CBA asks Congress to Preserve FFELP at the House Committee on Education & Labor Hearing on "Increasing Student Aid through Loan Reform
- Credit Cards (May 21, 2009)
CBA Webinar on June 16 explains how to comply with Credit Card Accountability Responsibility and Disclosure Act
- Mortgage Reform (May 21, 2009)
Helping Families Save Their Homes Act amendment requires creditors to notify consumers of mortgage assignment
- CBA/BAI Graduate School of Retail Bank Management Launches New Curriculum for First-Year Students (May 20, 2009)
- FDIC Special Assessment (May 19, 2009)
Congress passes FDIC/Housing bill, which increases the borrowing authority of the FDIC and reduces the special assessment on financial institutions.
- Senate Passes Credit Card Practices Legislation (May 19, 2009)
- Surge Puts Petition Signatures Over 13,000 (May 18, 2009)
Budget Vote Sparks Concern about Choice & Competition in Student Loans
- Mortgage Reform (May 14, 2009)
CBA letter to the Senate supports Sen. Vitter’s amendment to mortgage reform legislation requiring HUD to withdraw RESPA rule and coordinate with the Fed to improve the mortgage disc
- CBA Opposes Interchange Amendment (May 13, 2009)
CBA’s letter to the Senate opposes the Interchange Amendment in Credit Cardholders’ Bill of Rights Act.
- Student Lending (May 13, 2009)
CBA signs joint letters to House and Senate requesting swift legislative action to correct problems in the credit markets affecting federal student loans
- CBA's Concerns re H.R. 627, the Credit Cardholders' Bill of Rights Act of 2009 (May 12, 2009)
- Mortgage Reform (May 12, 2009)
HUD pledges to implement RESPA reforms, and withdraws the pending change to “required use” definition
- Mortgage Disclosure Improvement Act: (May 8, 2009)
Fed approves final rule requiring that consumers receive mortgage loan cost information earlier in the lending process.
- Richard Hunt Named President of CBA (May 5, 2009)
- Credit Cards (April 30, 2009)
CBA letter opposing the Credit Cardholders’ Bill of Rights Act says final regulations issued by federal banking agencies should be implemented before Congress considers more reforms. (April 30, 2009)
- Full House Passes Credit Card Bill while the Senate votes against “Cram-Down” Language (April 30, 2009)
- Bankruptcy (April 29, 2009)
Joint trade letter urges Senate to vote against the “cram-down” amendment to S. 896 that would change the way mortgages are treated in bankruptcy and add more risk to the mortgage market
- CBA Statement on Congressional Approval of Budget (April 29, 2009)
Sufficient concerns have been raised about the student loan changes contemplated in the budget to justify hearings and consideration of alternatives
- CBA Statement on Congressional Budget Agreement (April 29, 2009)
Adoption of the fast-track reconciliation process must not prevent exploration of better alternatives to the President’s student loan proposal.
- Mortgage Reform (April 29, 2009)
House Committee Approves the Mortgage Reform and Anti-Predatory Lending Act of 2009 (April 29, 2009)
- Mortgage Reform (April 27, 2009)
Joint trade letter supporting Biggert amendment to HR 1728, requiring HUD to withdraw RESPA rule and coordinate with the Fed to reform the mortgage disclosure process
- CBA Statement on President's Student Loan Plan (April 24, 2009)
- Credit Cards (April 22, 2009)
Update on clarifications to new credit card rules, the House bill, and the White House meeting with industry representatives (April 22, 2009)
- Joint Letter sent to Congress on Arbitration (April 21, 2009)
- Community Reinvestment Act: Expanded CRA and Data Reporting Under Consideration in Congress (April 20, 2009)
- CBA Government Relations First Quarter Report (April 3, 2009)
- Credit Cards (April 2, 2009)
House Financial Services Subcommittee Passes Credit Card Practices Bill
- FDIC Insurance (April 2, 2009)
CBA Comments on the FDIC’s Interim Rule on Special Assessments
- Senate Banking Committee Passes Credit C ard Practices Bill (March 31, 2009)
- CBA Comments to FCC Regarding the "Porting" of Land Line Phone Numbers to Cell Phone Numbers and Consent to Be Contacted by Autodialer and/or Prerecorded Message (March 30, 2009)
- CBA Urges Senate Committee on Banking, Housing and Urban Affairs NOT Report S. 414, the "Credit Card Accountability, Responsibility and Disclosure Act of 2009" Out of Committee (March 30, 2009)
- Credit Cards (March 30, 2009)
Joint letter to Senate Banking Committee about the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (S. 414)
- FEDERAL TAKEOVER OF STUDENT LOANS A GRAVE MISTAKE (March 30, 2009)
- Overdraft Protection (March 30, 2009)
CBA's Comment Letter to the Federal Reserve Board on Regulation E for Overdraft Protection Services
- Federal Student Loans Secure for Next Fall (March 24, 2009)
- Appropriations Bill Gives FTC and States New Powers (March 11, 2009)
- Fed Proposes Regulation Z Disclosures for Private Student Loans - CBA to Comment (March 11, 2009)
- Serving Communities: CBA comments on the CRA Q&A Proposal. (March 9, 2009)
- CBA seeks clarification from HUD Secretary Donovan that Licensing requirement under SAFE Act excludes servicers. (March 6, 2009)
- Reg E/Overdraft Protection (March 5, 2009)
CBA Member Call on March 12, 2009 at 2:00 p.m.
- Appropriations Bill Would Give FTC and States New Powers (March 4, 2009)
- CBA Opposes Inclusion of Bankruptcy Cram-down Provisions in HR 1106 (March 3, 2009)
- Omnibus Bill (February 27, 2009)
CBA opposes provision in omnibus bill that gives state attorneys general authority to enforce TILA.
- STUDENTS WILL BE HURT BY PHASE-OUT OF STUDENT LOAN PROGRAM (February 26, 2009)
- Bankruptcy (February 24, 2009)
Joint letter to Congress opposes HR 1106, which would undermine efforts to stabilize the housing market.
- Bankruptcy (February 24, 2009)
CBA’s letter to Congress says “cram down” provisions in H.R. 1106 could make it harder for consumers to buy and sell their homes, as well as obtain credit.
- FDIC Study on Unbanked – CBA Plans Working Group (February 24, 2009)
- CBA Encourages Consumers to Make Saving a Habit During "America Saves" Week 2009 (February 23, 2009)
- Private Loan Workshop to Offer First Walkthrough of new Federal Non-federal Student Loan Disclosure Regulations (February 13, 2009)
- Letter to HUD Seeking Moratorium on RESPA Rule (February 11, 2009)
CBA and industry petition HUD to withdraw final RESPA rule prior to effective date and work with FRB on coordinated mortgage reform.
- Bankruptcy (January 27, 2009)
CBA opposes broad cram-down bankruptcy legislation.
- Bankruptcy (January 22, 2009)
CBA signs joint letter that says “cram-down legislation” would introduce new risk and uncertainty into first mortgage and home equity lending, and undermine the stability of mortgage-backed securities.
- Congress (January 9, 2009)
Republicans serving on the House Financial Services Committee for the 111th Congress announced.
- Republican Financial Services Committee Members Announced (January 9, 2009)
Ranking Member Spencer Bachus (R-AL) announces Republican Committee Membership and Subcommittee Ranking Members for the House Financial Services Committee for the 111th Congress.
- The 111th Congress (January 6, 2009)
The House Democrat Steering Committee recommends newly elected members to the House Financial Services Committee.
- Overdraft Protection (December 19, 2008)
The Fed proposes new disclosures for overdraft protection services and debit holds.
- CBA President Comments on Landmark Changes to Rules Governing Credit Card Practices (December 18, 2008)
- Credit Cards (December 18, 2008)
Federal banking agencies adopted landmark changes to credit card rules.
- CBA Praises the Nomination of Arne Duncan as Secretary of Education (December 17, 2008)
- Real Estate Appraisals (November 13, 2008)
Responding to concerns over appraisals and credit quality, regulators issued for comment revised guidelines and supervisory expectations for real estate appraisals.
- LENDERS AND GOVERNMENT PARTNER TO MAKE FFELP LOANS AVAILABLE FOR MILLIONS OF STUDENTS; NO SERIOUS DISRUPTIONS (November 6, 2008)
- THE ELECTIONS AND BANKING: WHAT NEXT? (November 5, 2008)
Tuesday's elections, to borrow a phrase, will indeed bring change.
As President-Elect, Barack Obama inherits an economic crisis, shattered public confidence, international tension, and the daunting task of reshaping the nation's oversight of financial markets.
- College Students Tapped for CBA Grass Roots Financial Literacy Campaign (October 16, 2008)
Public Relations Student Society of America Bateman case study competition helps pre-professionals get career credentials.
- Officers and New Members Elected to CBA Board of Directors (October 16, 2008)
Five senior retail banking executives newly appointed to the organization’s board.
- CBA Congratulates U.S. House Members for Passing Emergency Economic Stability Act (October 3, 2008)
- Emergency Economic Stabilization Act (October 2, 2008)
CBA signs joint trade association letter to the House supporting the bill.
- CBA Statement on the Emergency Economic Stability Act (September 30, 2008)
- Emergency Economic Recovery (September 30, 2008)
CBA letter to full House and Senate today to encourage the Members to move quickly in passing a rescue plan that will restore stability in and liquidity to the marketplace.
- Emergency Economic Stabilization Act (September 30, 2008)
CBA signs on to joint letter urging Congress to quickly pass legislation to stabilize the credit markets.
- Troubled Assets Recovery Plan (September 25, 2008)
CBA and other trade associations urge Congress to support a bill implementing the Treasury Department’s rescue plan.
- Treasury Rescue Plan (September 23, 2008)
CBA joins with other trades in opposing bankruptcy “cram downs” being added to the rescue plan, and the potential costs to taxpayers.
- CBA SAYS NO BANKRUPTCY CRAM DOWN LANGUAGE IN TREASURY RESCUE PLAN (September 22, 2008)
- Credit Card Legislation (September 22, 2008)
Enactment of H.R.5244 will increase the cost of credit for consumers and small businesses, as well as potentially harm the economy, warns a joint letter to the full House.
- FFEL LENDERS HELP HOLD THE LINE ON STUDENT LOAN COHORT DEFAULT RATES (September 18, 2008)
- HMDA Data (September 17, 2008)
New Home Mortgage Disclosure Act data reflects significant changes in the housing market.
- Housing and Economic Recovery Act (September 10, 2008)
CBA supports changes to OCC rule implementing HERA because it allows banks greater flexibility to invest in communities devastated by disaster.
- Hope Now July 2008 Data Release (Final) (August 29, 2008)
- Mortgage Foreclosure: CBA Responds (August 29, 2008)
to the US House of Representatives’ request for information on lender practices regarding foreclosure, pending the October 1 start date of “Hope for Homeowners."
- CBA Comment Letter to FTC and Fed re: Risk-Based Pricing Notice Proposed Rule (August 18, 2008)
Risk-based pricing notices would keep consumers informed of when their financial behavior impacts their ability to qualify for credit, and the cost. But there’s a simpler way to keep consumers in the loop than the Fed and FTC proposed rules. Read CBA's comment letter.
- Deposit Account Fees (August 4, 2008)
CBA is concerned about the deposit account/overdraft fee aspects of the Federal Reserve’s proposal on Unfair or Deceptive Acts or Practices.
- Overdraft and Credit Cards (August 4, 2008)
CBA’s comment letter to federal agencies says the proposed rules for overdraft protection and credit cards would harm banks and consumers. CBA also questions the labeling of industry overdraft practices as unfair and deceptive.
- CBA Letter to the House Judiciary Committee asking Members to Oppose Legislation that Bans Pre-Dispute Clauses from Consumer Contracts (July 29, 2008)
- Congressional Bills on Arbitration Fairness Are Not Needed and Would Wreak Havoc.... (July 29, 2008)
- Joint Coalition Letter to the House Judiciary Committee Opposing Legislation that Bans Pre-dispute Arbitration Provisions in Consumer Contracts (July 29, 2008)
- CBA FOCUSES ON MIDDLE SCHOOL STUDENTS FOR NEW COLLEGE AWARENESS AND AFFORDABILITY PROGRAM (July 25, 2008)
- CBA’s Comments on the Regulation DD (July 18, 2008)
CBA’s comments on the Regulation DD (Truth in Savings Act) disclosures proposed by the Federal Reserve Board to accompany the pending proposal on Regulation AA (unfair or deceptive acts or practices). (CBA’s comments on the Regulation AA comment letter will be sent in a separate letter.)
- CBA’s Comments on the Regulation Z (Truth in Lending Act) (July 18, 2008)
CBA’s comments on the Regulation Z (Truth in Lending Act) disclosures proposed by the Federal Reserve Board to accompany the pending proposal on Regulation AA (unfair or deceptive acts or practices). (CBA’s comments on the Regulation AA comment letter will be sent in a separate letter.)
- Arbitration (July 15, 2008)
- Arbitration Coalition Letter to the House Commercial and Administrative Law Subcommittee opposing Arbitration Bills under Consideration (July 14, 2008)
- CBA Letter to the Commercial and Administration Law Subcommittee of the House Judiciary Committee Opposing Arbitration Bills under Consideration (July 14, 2008)
- CBA Statement on the Fed’s Final HOEPA Rules (July 14, 2008)
- Fed Issues Tough Final HOEPA Rules (July 14, 2008)
- CBA COMPLIMENTS DEPARTMENT OF EDUCATION FOR ACTING ON “FIRST STEP” STUDENT LOAN LIQUIDITY MEASURES (July 1, 2008)
- Joint Trade Association Letter to the Full Senate in Support of the Dole Amendment on the GSE Appraisal Code of Conduct (June 20, 2008)
- CBA STATEMENT ON THE MURRAY-DODD STUDENT LOAN BILL (June 17, 2008)
- Joint Trade Letter to Senate on Licensing and Registration (June 17, 2008)
Letter seeking the removal of the originator licensing provisions from the housing bill, until certain problems have been rectified.
- CBA & HPC Comment on RESPA (June 12, 2008)
- CBA Says HUD Proposal Confusing and Costly (June 12, 2008)
- CBA Says Cuomo’s Appraisal Deal with GSEs Should Be Abandoned (June 4, 2008)
- CBA Letter to Department of Education on Loan Servicing (May 29, 2008)
- CBA Statement on the Key Role of School Financial Aid Offices in Helping Students (May 28, 2008)
- CBA GSE Reform Letter to Senate Banking Committee (May 15, 2008)
- RESPA Reform Proposal – Comment Period Extended (May 8, 2008)
- The Federal Reserve Board and the Federal Trade Commission Issue Proposed Rules on Risk-Based Pricing Notices (May 8, 2008)
- Joint Trade Letter to the House Opposing the Miller/LaTourette Amendment to be offered during House consideration of the American Housing Rescue and Foreclosure Prevention Act of 2008 (May 6, 2008)
- CBA Statement on Proposed Rules for Credit Cards and Deposit Accounts (May 2, 2008)
- Fed Issues Proposal on Unfair or Deceptive Credit Card and Overdraft Practices (May 2, 2008)
- Final Joint Trade Appraisal Letter to OFHEO Director Lockhart (May 1, 2008)
- Joint Trade Letter to Congress Voicing Opposition to Anti-Arbitration Bills (May 1, 2008)
- OTS Approves a Proposal for Comment on Unfair and Deceptive Practices (May 1, 2008)
- STUDENT LOAN BILL PASSES; CBA URGES NEXT STEPS (May 1, 2008)
Government Urged To Act Quickly, Consider Additional Steps to Bolster Loan System
- CBA's Comment Letter to Fannie Mae & Freddie Mac Regarding the GSE's New Appraisal Code (April 30, 2008)
Criticizing the manner inwhich the new code was developed, for both legal and public policy reasons, and urging that it be withdrawn.
- Tracey Mills Joins CBA as Director of Communications and Media Relations (April 30, 2008)
- CBA SAYS HOUSE PASSAGE OF STUDENT LOAN BILL IS PARTIAL SOLUTION TO STUDENT LOAN PROBLEM (April 17, 2008)
- House Passes Student Lending Liquidity Bill (April 17, 2008)
- CBA Letter to Senate Banking Commitee Clarifying our Position with regard to Liquidity and Student Loans after the Senate Dodd Hearing (April 15, 2008)
- CBA SAYS FEDERAL ACTION IS NEEDED NOW TO AVERT LOAN ACCESS PROBLEM (April 15, 2008)
- CBA Submits Testimony on Financial Literacy Initiatives (April 15, 2008)
For today’s House Financial Services Committee hearing on financial literacy, the Consumer Bankers Association submitted written testimony highlighting its recent initiatives to help consumers understand the complexities of consumer financial services.
- CBA says Federal Action is Needed Now to Avert Loan Access Problem (April 15, 2008)
- CBA Comments to Chairman Miller on Student Lending Market Liquidity (April 9, 2008)
- CBA comments on FTC Behavorial Advertising Guideline (April 9, 2008)
- CBA Comments on Fed HOEPA Proposal (April 8, 2008)
- Joint Trade Association Letter to Senate in Opposition to the Sanders Amendment (April 7, 2008)
- CBA - FSR Letter in Opposition to Proposed Changes to TILA in Senate Housing Proposal (April 2, 2008)
- CBA PRIVATE EDUCATIONAL LOAN PRINCIPLES SEND IMPORTANT MESSAGE TO CONSUMERS (April 1, 2008)
- Consumer Bankers Association Private Educational Lending Principles (April 1, 2008)
- Joint Trade Association Letter Opposing Legislation to Change Treatment of Mortgages during Bankruptcy (March 31, 2008)
- CBA Launches National Media Campaign on How to Improve Your Credit Score (March 24, 2008)
- CBA SAYS "HIT THE BOOKS RUNNING...The More You Know, the Less You'll Owe!" (March 24, 2008)
- CBA Opposes HR 5244 But Supports Fed Initiatives With Regard to Credit Cards (March 13, 2008)
- Joint Trade Association Letter Requesting Extension of Comment Period re RESPA Ruling (March 13, 2008)
- CBA SENDS MESSAGE TO FINANCIAL AID ADMINISTRATORS: Lenders are Committed to Student Financial Aid (March 10, 2008)
- Joint Trade Association Letter Opposing Bankruptcy Bills in the Senate (S. 2136 and S. 2133) (March 5, 2008)
- CBA Comments on Private Student Loan Issues for Conferees on the Higher Education Act Reauthorization (March 3, 2008)
- FFEL Community Comments on Student Loan Issues for Conferees on the Higher Education Act Reauthorization (March 3, 2008)
- Letter from Dept of Ed Sec. Margaret Spellings to College/University Presidents on State of Student Loan Markets (February 27, 2008)
- CBA Letter Opposing the Title IV Bankruptcy Language Provision to S. 2636 (February 26, 2008)
- Joint Trade Letter to the Social Security Administration Asking for Extension of Open Enrollment for the CBSV Program (February 26, 2008)
- Questions Attachment to Joint Trade Letter to the Social Security Administration Asking for Extension of Open Enrollment for the CBSV Program (February 26, 2008)
- CBA Board Resolution Praises Consumer Savings Campaign (February 21, 2008)
- Coalition Letter Opposing S. 2636 (February 15, 2008)
- Rep. McKeon Warns DOE Re: Access to Student Loans (February 15, 2008)
- Twenty-one House Members Ask for Student Lending Relief (February 15, 2008)
- Proposed Credit Card Legislation (February 12, 2008)
- CBA Comment Letter re: "Accuracy and Integrity and Direct Disputes" Provisions of the FACT Act (February 11, 2008)
CBA files comments on financial regulatory agencies' proposal for implementing the "Accuracy and Integrity and Direct Disputes" provisions of the FACT Act. These regulatory proposals relate to creditors' furnishing of credit information to credit reporting agencies and the circumstances in which consumers can dispute credit report information directly with furnishers of that information, instead of going through credit reporting agencies.
- Contact House Members Today to Vote "No" On the David Bankruptcy Amendment (February 6, 2008)
- Letter from CBA to House Committees re: H.R. 4137 (February 6, 2008)
- Letter from CBA to House of Representatives - Vote No on These Amendments; Re: H.R. 4137 & Re: College Opportunity and Affordability Act (February 6, 2008)
- Amendments submitted to the Rules Committee for HR 4137 - College Opportunity and Affordability Act (February 5, 2008)
- Higher Education Reauthorization Goes to House Floor: Problematic Amendments to be Offered (February 5, 2008)
- HOPE NOW Mortgage Foreclosure Prevention Project (January 27, 2008)
- Joint Industry Letter to House in Opposition of H.R. 3609 (January 23, 2008)
- CBA Comment Letter Re: Affiliate Information Sharing Survey (January 9, 2008)
- Draft FACT Act Survey On Information Sharing Among Affiliates (January 9, 2008)
Relating to CBA Comment Letter Re: Affiliate Information Sharing Survey
- Joint Industry Letter to Congress in Support of HOPE NOW (December 19, 2007)
- Fed's Mortgage Proposal Includes Broker Disclosures (December 18, 2007)
CBA Bank Alert regarding a proposal to amend Regulation Z, applying its authority under the Home Ownership and Equity Protection Act (HOEPA) to regulate unfair and abusive mortgage lending practices.
- CBA Letter to NGA on Proposed Definition of "Private Education Loan" (December 17, 2007)
- Comment Letter on Prohibition on Funding of Unlawful Internet Gambling (December 12, 2007)
This Comment Letter was submitted to the Federal Reserve and the Department of the Treasury on behalf of CBA regarding financial institution regulatory agencies proposing regulations to require banks to block illegal gambling transactions.
- Joint Industry Trade Letter to House Judiciary Committee re: Opposition to HR 3609 (December 11, 2007)
- House Passes Expansion of UDAP Authority (December 6, 2007)
- Joint Industry SSN Letter to House Leadership re: HR 948 and HR 3046 (December 6, 2007)
- Chae, et al. v. Sallie Mae - Amicus Brief (December 3, 2007)
- CBA Comment Letter on Proposed Guidance on Garnishment Orders Affecting Exempt Benefit Payments (November 27, 2007)
- House Passes Mortgage Reform Bill (November 16, 2007)
- CBA Views Revisions to Data Access in HR 4137 as Positive for Borrowers' Privacy Rights (November 15, 2007)
- Higher Education Markup is Now Posted to Education & Labor Website (November 15, 2007)
- CBA - NCHELP Letter Expressing Concern with Petri SLAM Act Amendment to HR 4137 (November 14, 2007)
- CBA Letter to House Education Committee Raising Concern with Student Loan Information Amendment to HR 4137, the "College Opportunity and Affordability Act of 2007" (November 12, 2007)
- House Higher Education Bill Lacks Safeguards for Borrowers; Higher Identity Thefts Possible (November 12, 2007)
- CBA Letter to Chairman Barney Frank concerning HR 3915, the "Mortgage Reform and Anti-Predatory Lending Act" (November 7, 2007)
- House Committee Adopts Mortgage Reform Bill (November 7, 2007)
- Joint Industry Trade Association Letter to Chairman Miller with Suggestions for Consideration re: HEA Reauthorization Legislation (November 7, 2007)
- Joint Industry Trade Association Letter to the House Judiciary Committee Opposing HR 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007 (November 7, 2007)
- Joint Trade Association Letter to Chairman George Miller re: Opposition to a "Student Loan Information Amendment" to HEA Reauthorization Legislation (November 6, 2007)
- CBA Comment to the OTS re Advance Notice of Proposed Rulemaking; Unfair or Deceptive Acts or Practices; 12 CFR, Part 535 (November 5, 2007)
- Federal Reserve Board Governor Randall S. Kroszner speaks at CBA Fair Lending Conference on The Challenges Facing Subprime Mortgage Borrowers (November 5, 2007)
- Joint Trade Association Letter to Department of Education Secretary Spellings on Negotiated Rulemaking Representatives (November 1, 2007)
- CBA Letter to Secretary Spellings Promoting Competition between the Federal Family Education Loan and Direct Loan Programs (October 25, 2007)
- CBA Letter to the Illinois Student Assistance Commission (ISAC) (October 24, 2007)
- Chairman Frank Co-Sponsors Mortgage Reform Bill (October 23, 2007)
- Joint Industry Letter to the House Judiciary Committee Opposing HR 3609 (October 23, 2007)
- HSBC Finance CEO Brendan McDonagh Elected Chair of CBA (October 22, 2007)
- Miller, Watt, Frank Mortgage Lending Bill (HR 3915 - introduced October 22, 2007) (October 22, 2007)
- FACT ACT FINAL RULES: Affiliate Marketing/Identity Theft/Red Flags/Address Discrepancy (October 16, 2007)
- CBA Comment Letter to the Federal Reserve Board on Regulation Z Open-End Review (October 12, 2007)
- Joint Industry Letter Opposing HR 3609 (October 3, 2007)
- Financial Services to Benefit from Combined Organizations' Strength in Executive Education (October 2, 2007)
- Federal Reserve Releases HMDA Analysis and Credit Scores Report (September 27, 2007)
- Joint Industry Trade Letter to the Department of Education with regard to Supporting a Uniform National Set of Marketing Regulations (September 24, 2007)
- Joint Trade Association Letter to the House Judiciary Committee with regard to a Hearing on Mortgage Bankruptcy Issues in the Consumer and Administrative Law Subcommittee on HR 3609 (September 24, 2007)
- SEC Votes for Final Rules Defining How Banks Can Be Securities Brokers (September 20, 2007)
- Joint Industry letters to the Senate Judiciary Committee Opposing Bankrutpcy Reform with Regard to Mortgages (September 19, 2007)
- Federal Reserve Board Report to the Congress on Credit Scoring and its Effects on the Availability and Affordability of Credit (September 12, 2007)
- CBA Welcomes Good News on Student Loan Cohort Default Rates (September 11, 2007)
- CBA Comment Letter to the FTC on use of Social Security Numbers (September 5, 2007)
- CBA Warns of Problems Ahead for Students and Parents Under Conference Agreement (September 5, 2007)
- "Does Access to Higher Education Belong in the Hands of the Lowest Bidder?" (August 30, 2007)
- CBA Urges Families to Shop Wisely When Looking at Student Loan Options (August 30, 2007)
- Summary of Private Student Loan Transparency Act (August 2, 2007)
- Private Student Loan Transparency and Improvement Act of 2007 (July 31, 2007)
- Senate Passes Massive Student Loan Budget Cuts (July 19, 2007)
- Senate Budget Bill Will Hurt Middle-Income Students (July 18, 2007)
- House Approves $18 Billion in Student Loan Budget Cuts; Loan Costs to Rise for Middle-Income Borrowers (July 11, 2007)
- CBA Comment Letter Against College Cost Reduction Act of 2007 (July 2, 2007)
- CBA Releases Public Opinion Poll of Financial Aid Administrator (June 20, 2007)
- Senate Student Loan Budget Cuts Greatly Concern CBA (June 20, 2007)
- CBA Urges House Education and Labor Committee to Reconsider Unsound Legislation Package (June 13, 2007)
- House Student Loan Budget Cuts Are Risky, Says CBA (June 12, 2007)
- CBA Education Loan Customer Commitment (May 30, 2007)
The Consumer Bankers Association commits to its customers, the student and parent borrowers who receive loans, to operate with the highest ethical standards.
- Consumer Bankers Association Releases Education Loan Commitment to Customers (May 30, 2007)
- Joint Trade Association Statement on Responsible Subprime Lending Principles (May 29, 2007)
Our trade associations believe that all mortgage lenders should embrace responsible subprime lending principles. We support the efforts by industry and the federal banking regulatory agencies to strengthen underwriting standards and to protect borrowers against unfair and deceptive mortgage lending practices.
- Budget Cuts in Student Loans a Step Backwards for College Opportunity (May 17, 2007)
- CBA Statement on Passage of Student Loan Sunshine Act (May 9, 2007)
Major lenders saluted the House of Representatives' passage today of a bill requiring more disclosures of marketing practices in student lending.
- CBA Statement on Passage of the Student Loan Sunshine Act by the U.S. House of Representatives (May 9, 2007)
- CBA Statement on Passage of the Student Loan Sunshine Act by the U.S. House of Representatives (May 9, 2007)
- CBA Launches New Financial Literacy Web Site (May 4, 2007)
- CBA Sponsors Deposits Workshop May 15 - 16 (May 4, 2007)
- CBA Applauds Chairman Hinojosa for Hearing on "Paying for College: Problems and Solutions" (May 1, 2007)
- CBA Statement on Senate Democrats’ Student Loan Proposals (April 13, 2007)
- Consumer Bankers Association Responds to NPR Marketplace Commentary (April 11, 2007)
- Bank Advisory: CBA Files Comment Letter on Fed & SEC Proposed Regulation R (March 30, 2007)
- CBA Written Statement On Education Funding to Senate Health, Education, Labor & Pensions Committee (February 16, 2007)
- Low Cost Student Loans and Critical Support Services Jeopardized (February 16, 2007)
- The Student Aid Reward Program: A Path to Fiscal Failure (February 13, 2007)
- Bank Association Letter Re: Concerns About S.359 (February 7, 2007)
- Additional CBA Comments to the Department of Defense regarding Payday Lending Legislation (February 5, 2007)
- CBA Says FY08 Budget Strikes Debilitating Blow fo FFELP (February 5, 2007)
- Pell Grant Increase Lauded by Consumer Bankers Association (February 1, 2007)
- CBA Position Statement on Student Debt Relief Act (January 29, 2007)
- CBA Position Statement on the College Student Relief Act of 2007 (January 19, 2007)
- CBA Cautions Against Additional Student Lending Cuts (January 17, 2007)
- Response of CBA and other associations representing FFEL loan providers to the August 9, 2006 interim final regulations (September 8, 2006)
- 2006 Student Loan Fact Book Released (August 16, 2006)
- McKenna, et al., vs. First Horizon (August 6, 2006)
- CBA Corrects Sen. Durbin on Characteristics of Student Loan Rate Change: CBA Letter (May 1, 2006)
- CBA Joins Groups in Amicus Brief in First Horizon Mortgage Case: Amicus, McKenna, et al., vs. First Horizon (April 26, 2006)
- CBA Joins Groups in Amicus Brief in First Horizon Mortgage Case: Motion to File Amicus (April 26, 2006)
- CBA Joins Amicus in Support of Federal Preemption in Smith vs. Wells Fargo (April 3, 2006)
- CBA Joins Amicus in Support of Federal Preemption in Smith vs. Wells Fargo (April 3, 2006)
- CBA Applauds Passage of College Access & Opportunity Act: Press Release (March 30, 2006)
- Consumer Bankers Association Applauds Passage of the College Access and Opportunity Act: CBA Bank Alert (March 30, 2006)
- Consumer Bankers Association Applauds Passage of the College Access and Opportunity Act: CBA Press Release (March 30, 2006)
- CBA Comments: Interagency Guidelines on Nontraditional Mortgage Products (March 26, 2006)
- Perry vs. First National Bank (March 10, 2006)
- CBA Comments on Junk Fax NPRM (January 18, 2006)
- Fed Issues Final Regulation DD Disclosures on 'Overdraft Protection' (May 20, 2005)
- Fed Updates Reg DD, 'Overdraft Protection' (May 19, 2005)
- CBA’s Financial Literacy Survey Shows Efforts Aimed at Explaining Credit Scores and Underwriting Process (April 28, 2005)
Bank financial literacy programs continue to reach more consumers, with an emphasis on mortgage lending and teaching consumers about credit scores and the underwriting process, according to preliminary findings of CBA’s 2005 Financial Literacy Survey.
- The new Responsible Lending Act, introduced by Congressmen Bob Ney (R-OH) and Paul E. Kanjorski (D-PA) in the 109th Congress (March 16, 2005)
- CBA Urges Close Review of Bush Budget Proposal (February 8, 2005)
- Amicus Brief Filed by Clearinghouse (August 9, 2004)
- Amicus Brief Filed by ICI, et al (August 9, 2004)
- CBA, ABA File Appeal in California's SB1 Ruling: Amicus brief filed by Citizens for Sound Economy (August 9, 2004)
- Amicus Brief Filed by ACB (August 6, 2004)
- CBA’s Financial Literacy Study Shows Increased Bank Support for Public School and College Programs (April 19, 2004)
- Rep. Ney Proposes Responsible Lending Act (February 13, 2003)
- Marcia Sullivan Speaks at December 11 Chamber of Commerce Forum on Fair Credit Reporting Act (December 12, 2002)
- www.safeborrowing.org (October 31, 2002)
has been developed by CBA Senior Counsel, Steve Zeisel, and other members of the Predatory Lending Task Force of the American Bar Association, as a tool to be used by those who wish to improve financial literacy and teach people how to navigate safely in the financial marketplace.
- CBA Letter to Federal Reserve Board of Governors renewing the association's opposition to the Board's Regulation B (ECOA) proposal (October 16, 2002)
- GMAC Wins Class Action Appeal in Fair Lending Case (July 26, 2002)
- CBA's Regulation C HMDA Comment Letter (May 3, 2002)
- Federal Reserve postpones effective date of HMDA changes for one year, following CBA-led industry effort (May 3, 2002)
- FRB Final Letter (March 13, 2002)
- Fed Likely to Consider Proposal to Permit Race and Gender Data Collection (March 6, 2002)
- FRB Release on Amendments to Regulation C (HMDA) (January 23, 2002)
- Fed Expands HMDA Rule - Drops APR Proposal (January 23, 2002)
- Memoranda to the Federal Reserve Board Recommending Changes to Regulation C (January 23, 2002)
- Fed Proposed Regulation Z Commentary Changes (December 21, 2001)
- CBA President Joe Belew's statement on Fed's amendments to HOEPA rule (December 12, 2001)
- CBA Submits Testimony for the Record on Predatory Lending (July 27, 2001)
- CBA Files Amicus Brief in Smith v. Chrysler (April 17, 2001)
|
 |