OTS_dec2008_R2-2008-0202_republicwrittentestimony _2_.pdf

Testimony presented to the Office of
Thrift Supervision opposing Republic Bancorp’s application for a charter
conversion from a bank holding company to a savings and loan holding company. 
Discusses the impact of the RAL product on lower-income Chicago communities and
need to eliminate the refund anticipation loan product or require additional
consumer protections.