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Expert Testimonies

City council members hearing testimony on LEO

Testimony of Horacio Mendez at 2022 City Council Finance Committee Lending Equity Ordinance hearing on municipal depositories

CEO Horacio Mendez joined Neighborhood Housing Services of Chicago President Anthony Simpkins in presenting analysis of lending in communities by banks seeking to hold city deposits.

December 10, 2022 at 6:26 pm read more
Bank of the West logo

Testimony of Horacio Mendez at BMO / Bank of the West merger public hearing

Hello – My name in Horacio Mendez, and I’m the President and CEO of the Woodstock Institute, a consumer financial protection research and advocacy organization based in Chicago. We took this opportunity to examine areas where a combined entity...

July 22, 2022 at 9:04 pm read more
Chicago City Council Chambers (wikimedia pic)

Testimony of Horacio Mendez at City Council Finance Committee Lending Equity Ordinance hearing on municipal depositories-2021

We think it would be worth exploring the creation of a program where a city agency that’s not involved in the procurement process itself, or one or more non-profits under contract with the City, could provide technical assistance to...

December 9, 2021 at 9:39 am read more
Interior of the Thompson Center in Chicago

Testimony of Horacio Mendez at Illinois Community Reinvestment Act rulemaking hearing

Illinois has a historic opportunity to ensure state banks, state credit unions, and mortgage companies invest mortgage capital equitably. The ability for the State of IL to hold all lenders accountable for the impact they have on the residents...

October 18, 2021 at 10:08 am read more
Image of Fannie Mae from Flickr

Public comment at FHFA Enterprise Equitable Housing Finance Plan Listening Session

GSEs must change appraisal rules to help end the racial wealth gap.

September 29, 2021 at 7:32 am read more
Chicago City Council Chambers (wikimedia pic)

Testimony of Horacio Mendez to Chicago City Council Finance Committee supporting Lending Equity Ordinance

September 13th, 2021, to the Chicago City Council Finance Committee meeting. My name is Horacio Mendez and I’m the President and CEO of the Woodstock Institute. The purpose of my comments are to emphasize the need for Chicago to...

September 13, 2021 at 11:20 am read more
payday loan application torn with a car key

Testimony of Brent Adams to Senate Executive Committee supporting Anti-Predatory Lending Act/Predatory Loan Prevention Act

In support of HB 2685 – SFA 3 and specifically the portion of the bill that establishes a 36% cap on consumer loans in Illinois. I took an Uber to the train station yesterday. When I told the driver...

January 10, 2021 at 9:52 am read more

Testimony of Spencer Cowan to Senate Financial Institutions Joint Hearing

Testimony of Spencer Cowan to Senate Financial Institutions Joint Hearing with Senate Commerce and Economic Development Committee and Senate Executive Committee Subject Matter Hearing on Racial Equity in Lending and Homeownership October 15, 2020 – The federal Community Reinvestment...

October 22, 2020 at 10:42 am read more

Testimony of Lauren Nolan to City of Chicago Committee on License and Consumer Protection on Cashless Proposal

Testimony of Lauren Nolan to Committee on License and Consumer Protection on Cashless 12.6.17.pdf

December 15, 2017 at 9:45 pm read more

Testimony of Sen. Jacqueline Y. Collins to Illinois Department of Financial and Professional Regulation on Currency Exchange Rates

Testimony of Sen. Jacqueline Y. Collins to IDFPR.pdf

September 15, 2017 at 6:30 pm read more
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