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Woodstock Institute Comment Letters

graphic - new IL CRA Deadline

Illinois CRA Comment Letter

Considering the absence of race in this NPR, it would seem that there is a disconnect between the legislative intent of the IL-CRA and the law’s proposed implementation and enforcement.

January 31, 2023 at 9:24 am read more
words on a green background-TILA

Truth in Lending Small Business Reform

Woodstock Institute Vice President for Policy and Communication Brent Adams wrote recently to U.S. Rep. Sean Casten and the other members of the Illinois Congressional delegation on the House Financial Services Committee to urge them to co-sponsor H.R. 6054...

September 19, 2022 at 8:11 pm read more

Read our comments on Federal CRA reform proposal

The FDIC released proposed rules for an interagency Community Reinvestment Act reform process today. The long-awaited proposal represents the most recent of many stalled efforts to update this anti-redlining law. 

August 8, 2022 at 3:44 pm read more

Comment Letter: The CFPB’s Inquiry into Buy Now Pay Later Industry

The Consumer Financial Protection Bureau (CFPB) issued a call for comments on the agency's inquiry into the Buy Now Pay Later, or BNPL, industry. BNPL is a rapidly expanding industry offering consumers the option to pay for purchases in...

March 30, 2022 at 1:44 pm read more

Comment letter: Request for Information Regarding the HMDA Rule Assessment

The CFPB issued a call in November for information on the HMDA Rule Assessment. Woodstock Institute's comments address “the effectiveness of the HMDA Rule in meeting its stated goals and the purposes and objectives of the Dodd-Frank Act.”

January 24, 2022 at 10:53 pm read more
First Mid bank

Comment Letter: Opposing the Merger of First Mid Bank & Trust and Jefferson Bank & Trust

Update: here’s our October letter opposing the merger of First Mid, their response, followed by our reply. RE: Application by First Mid Bancshares to acquire Delta Bancshares Company and Jefferson Bank and Trust Woodstock Institute submits this comment on...

January 14, 2022 at 11:07 am read more

Comment Letter: CFPB Proposed Rule for Section 1071 Small Business Lending Data Collection

The proposed rules for collecting small business loan data required by Section 1071 of the Dodd Frank Wall Street Reform and Consumer Protection Act of 2010 (Section 1071 rules) have been one of Woodstock Institute’s top policy priorities for...

January 7, 2022 at 11:38 am read more

Comment letter: Illinois CRA Advanced Notice of Proposed Rulemaking

The issues associated with the drafting of implementing rules from which to enforce the IL-CRA are not dissimilar to those facing the Federal bank regulatory agencies as they strive to modernize the Federal CRA.

January 3, 2022 at 6:13 pm read more

Comment Letter: FHFA Requiring GSEs to Submit Equitable Housing Finance Plans

Woodstock Institute recently submitted a comment letter responding to a Request for Input (RFI) from the Federal Housing Finance Agency (FHFA). FHFA will require the Government Sponsored Enterprises (GSEs) – Fannie Mae and Freddie Mac – to submit Equitable...

October 26, 2021 at 4:28 pm read more

Comment Letter: Federal Reserve Board of Governors’ ANPR on the CRA

Woodstock Institute submitted a comment letter to respond to the Federal Reserve Board of Governors’ Advanced Notice of Proposed Rulemaking (ANPR) on the Community Reinvestment Act (CRA).

February 16, 2021 at 11:47 am read more
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