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Comment letter to the Federal Reserve, Federal Deposit Insurance Corporation, and Office of the Comptroller of the Currency Urging Them to Strengthen CRA Q&As on Retail Banking

141010_CRAqa_retail_final.pdf This letter to prudential financial regulators urges them to strengthen their proposed revisions to the Community Reinvestment Act (CRA) Questions and Answers (Q&As) regarding retail banking and community development in order to ensure that financial institutions adequately meet...

Comment to the Department of Education recommending stronger debt-to-earnings standards in the gainful employment rule

140527_woodstock_gainfulemployment.pdf This letter urges the Department of Education to strengthen the debt-to-earnings test that assesses whether for-profit colleges are adequately preparing graduates for gainful employment. It recommends that the Department revise the debt-to-earnings metrics so that they accurately depict...

Comment to the Office of the Comptroller of the Currency on the Application of U.S. Bank National Association to Acquire Chicago Charter One Branches

140227_usbank_woodstock_comment.pdf This letter urges the Office of the Comptroller of the Currency (OCC) to consider how the proposed acquisition of Chicago Charter One branches by U.S. Bank would create a public benefit, especially to traditionally underserved low- and moderate-income...

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