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Testimony of Dory Rand, President of Woodstock Institute, before the Board of Governors of the Federal Reserve System in opposition to the application of Capital One to acquire ING Direct

woodstock_sept2011_capitalone_ing_rand_0.pdf Woodstock Institute opposes this merger on the grounds that Capital One has an inadequate past record of meeting community financial needs. We also believe that the combined financial institution, as the fifth largest bank by deposits with a...

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Testimony of Dory Rand before the Federal Reserve Board, the OCC, the OTS, and the FDIC on the need to modernize the Community Reinvestment Act

fed_cramodcomments_august2010_doryrand_0.pdf Discusses the types of financial institutions that should have reinvestment responsibilities and the geographies where those responsibilities are assessed. Also includes recommendations to improve the services test portion of the CRA and improve the ratings and incentive structure...