Testimony of Marva Williams, Woodstock Institute Senior Vice President requesting conditional approval of the H& R Block application to become a de novo thrift regulated by the OTS.  Approval should only be granted if H&R Block makes a commitment to affirmatively address the lending patterns of H&R Block’s subprime affiliate, Option One, commit to reducing the impact of refund anticipation loans on recipients of the Earned Income Tax Credit, and several other issues.