khalhoul at fdic.gov
06-17-1995, 05:29 PM
Since this listserv contains information related to community development and
lending issues, Linda Ortega, San Francisco Community Affairs Officer, and I
(Khalid Halhoul, Fair Lending Specialist) wanted to share two items of
information with you: (1) A description of the newly formed FDIC, Division of
Compliance and Consumer Affairs; and (2) A list (names, telephone numbers and
addresses) of our colleagues in the other seven FDIC regions.
We would like you to keep this information and share it with others. Please
feel free to utilize the services of the FDIC Community Affairs Program
staff, whenever possible.
I. DIVISION OF COMPLIANCE & CONSUMER AFFAIRS
The FDIC (Federal Deposit Insurance Corporation) protects the United States'
financial system as the insurer of all bank and thrift institutions. As a
federal regulatory banking agency, it protects depositors' accounts, promotes
sound banking practices, reduces disruptions caused by bank failures, and
responds to a changing economy and banking system.
On August 30, 1994, the FDIC created a new Division of Compliance and
Consumer Affairs (DCA) which combines the previously divided functions of
Consumer Compliance Examinations and the Community Affairs Program. DCA
affirmatively promotes fair housing and economic development of communities
by ensuring banks' compliance with fair lending and CRA (Community
Reinvestment Act) laws. The new division allows the FDIC to be more
responsive to consumers and bankers and allows the broadening of outreach
activities that foster economic development. At the same time, it provides a
more prominent focus on the increasing number and complexity of consumer laws
and the heightened interest in consumerism.
The FDIC's Community Affairs' outreach and education efforts are directed to:
1. Banking community: bank senior management, directors, lending,
compliance and CRA officers; state bankers' associations; and other
special purpose banking groups;
2. Community/public interest organizations, including those representing
consumers, community+ and neighborhood+based organizations, low+income
housing, small and minority+owned or women+owned businesses, civil rights
groups, and state and local government officials and their associations;
3. Bank supervisory agency staff, especially examiners involved in
compliance or safety and soundness examinations related to community
development.
The FDIC disseminates fair lending information to the industry and to the
public. Various pamphlets have been developed to address practices that
constitute unlawful discrimination. We have developed issue-specific papers
or published articles in industry-wide magazines on topics such as: viable
lending opportunities in economically distressed neighborhoods, complying
with the CRA in rural America, identifying discriminatory practices in a
bank's workplace, and fair lending/self-testing guidelines for bankers
(booklet: Side by Side). The FDIC provides speakers for, and participates
in, fair lending conferences and seminars throughout the country. The FDIC
also sponsors one-day compliance seminars for financial institutions where
fair lending laws are a significant part of the agenda.
In 1995 and 1996, the FDIC's nationwide Community Affairs Program has begun
to conduct focus groups or sponsor expositions in each of the eight regions.
The FDIC's national goal for this program is to ensure proactive regulatory
role in encouraging equal access to deposit and credit services for Native
Americans, lending to minority-and women+owned businesses, and lending in
rural America. A national booklet on each topic summarizing successful and
innovative partnership efforts by community organizations and financial
institutions will be produced for guidance to bankers and interested
community and municipal entities.
II. NATIONWIDE LIST OF COMMUNITY AFFAIRS PROGRAM STAFF:
The Community Affairs Program Staff is comprised of many people. This list,
however, itemizes only the Community Affairs Officers, Fair Lending
Specialists and Community Affairs Assistants. Through those individuals, you
may receive information about consumer protection laws and civil rights. If
needed, those individuals are able to refer you to others within our division.
A. Atlanta Region:
- James Pilkington, Community Affairs Officer
- Christina Quinlan, Fair Lending Specialist
- Penny Berk, Community Affairs Assistant
- One Atlantic Center
1201 West Peachtree Street, N.E.
Suite 1600
Atlanta, Georgia 30309-3449
(404) 817-1300
- States: Alabama, Florida, Georgia, North Carolina, South Carolina,
Virginia, West Virginia.
B. Boston Region:
- Shirley Parish, Community Affairs Officer
- Paul Horwitz, Fair Lending Specialist
- Deborah Doyle, Community Affairs Assistant
- Westwood Executive Center
200 Lowder Brook Drive
Suite 3100
Westwood, Massachusetts 02090
(617) 320-1600
- States: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island,
Vermont.
C. Chicago Region:
- L. Ray Jackson, Acting Community Affairs Officer
- Glenn Brewer, Fair Lending Specialist
- 500 West Monroe Street
Suite 3600
Chicago, Illinois 60661
(312) 382-7500
- States: Illinois, Indiana, Michigan, Ohio, Wisconsin.
D. Dallas Region:
- Eloy Villafranca, Community Affairs Officer
- Teresa Perez, Fair Lending Specialist
- Michael Powers, Community Affairs Assistant
- 1910 Pacific Avenue
Suite 1900
Dallas, Texas 75201
(214) 220-3342
- States: Colorado, New Mexico, Oklahoma, Texas
E. Kansas City Region:
- Deanna Caldwell, Community Affairs Officer
- Bradley Streeter, Fair Lending Specialist
- Bob Hoshaw, Community Affairs Assistant
- 2345 Grand Avenue
Suite 1500
Kansas City, Missouri 64108
(816) 234-8000
- States: Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South
Dakota.
F. Memphis Region:
- David Moulton, Community Affairs Officer
- Paul Carruthers, Fair Lending Specialist
- Liz Vickery, Community Affairs Assistant
- 5100 Poplar Avenue
Suite 1900
Memphis, Tennessee 38137
(901) 685-1603
- States: Arkansas, Kentucky, Louisiana, Missippippi, Tennessee
G. New York Region:
- Donna Gambrell, Community Affairs Officer
- Valerie Williams, Fair Lending Specialist
- Paul Diorio, Community Affairs Assistant
- 452 Fifth Avenue
21st Floor
New York, New York 10018
(212) 704-1200
- States: Delaware, District of Columbia, Maryland, New Jersey, New York,
Pennsylvania, and the territories of Puerto Rico and the Virgin
Islands.
H. San Francisco Region:
- Linda Ortega, Community Affairs Officer
- Khalid Halhoul, Fair Lending Specialist
- Adela Coronado, Community Affairs Assistant
- 25 Ecker Street
16th Floor
San Francisco, California
(415) 546-0160
- States: Alaska, Arizona, California, Guam (territory), Hawaii, Idaho,
Montana, Nevada, Oregon, Utah, Washington, Wyoming.
The individuals listed above come from a variety of backgrounds (e.g., non-
profit community organizations, national trade groups, bankers, federal bank
examiners, housing providers and municipal employees). We hope that you will
consider the community affairs staff in your region as a resource. In this
way, we can begin to mutually learn from each other and continue a meaningful
dialogue about community investment and equal access to banking services and
credit.
This post transferred from the cdb-l mailing list
lending issues, Linda Ortega, San Francisco Community Affairs Officer, and I
(Khalid Halhoul, Fair Lending Specialist) wanted to share two items of
information with you: (1) A description of the newly formed FDIC, Division of
Compliance and Consumer Affairs; and (2) A list (names, telephone numbers and
addresses) of our colleagues in the other seven FDIC regions.
We would like you to keep this information and share it with others. Please
feel free to utilize the services of the FDIC Community Affairs Program
staff, whenever possible.
I. DIVISION OF COMPLIANCE & CONSUMER AFFAIRS
The FDIC (Federal Deposit Insurance Corporation) protects the United States'
financial system as the insurer of all bank and thrift institutions. As a
federal regulatory banking agency, it protects depositors' accounts, promotes
sound banking practices, reduces disruptions caused by bank failures, and
responds to a changing economy and banking system.
On August 30, 1994, the FDIC created a new Division of Compliance and
Consumer Affairs (DCA) which combines the previously divided functions of
Consumer Compliance Examinations and the Community Affairs Program. DCA
affirmatively promotes fair housing and economic development of communities
by ensuring banks' compliance with fair lending and CRA (Community
Reinvestment Act) laws. The new division allows the FDIC to be more
responsive to consumers and bankers and allows the broadening of outreach
activities that foster economic development. At the same time, it provides a
more prominent focus on the increasing number and complexity of consumer laws
and the heightened interest in consumerism.
The FDIC's Community Affairs' outreach and education efforts are directed to:
1. Banking community: bank senior management, directors, lending,
compliance and CRA officers; state bankers' associations; and other
special purpose banking groups;
2. Community/public interest organizations, including those representing
consumers, community+ and neighborhood+based organizations, low+income
housing, small and minority+owned or women+owned businesses, civil rights
groups, and state and local government officials and their associations;
3. Bank supervisory agency staff, especially examiners involved in
compliance or safety and soundness examinations related to community
development.
The FDIC disseminates fair lending information to the industry and to the
public. Various pamphlets have been developed to address practices that
constitute unlawful discrimination. We have developed issue-specific papers
or published articles in industry-wide magazines on topics such as: viable
lending opportunities in economically distressed neighborhoods, complying
with the CRA in rural America, identifying discriminatory practices in a
bank's workplace, and fair lending/self-testing guidelines for bankers
(booklet: Side by Side). The FDIC provides speakers for, and participates
in, fair lending conferences and seminars throughout the country. The FDIC
also sponsors one-day compliance seminars for financial institutions where
fair lending laws are a significant part of the agenda.
In 1995 and 1996, the FDIC's nationwide Community Affairs Program has begun
to conduct focus groups or sponsor expositions in each of the eight regions.
The FDIC's national goal for this program is to ensure proactive regulatory
role in encouraging equal access to deposit and credit services for Native
Americans, lending to minority-and women+owned businesses, and lending in
rural America. A national booklet on each topic summarizing successful and
innovative partnership efforts by community organizations and financial
institutions will be produced for guidance to bankers and interested
community and municipal entities.
II. NATIONWIDE LIST OF COMMUNITY AFFAIRS PROGRAM STAFF:
The Community Affairs Program Staff is comprised of many people. This list,
however, itemizes only the Community Affairs Officers, Fair Lending
Specialists and Community Affairs Assistants. Through those individuals, you
may receive information about consumer protection laws and civil rights. If
needed, those individuals are able to refer you to others within our division.
A. Atlanta Region:
- James Pilkington, Community Affairs Officer
- Christina Quinlan, Fair Lending Specialist
- Penny Berk, Community Affairs Assistant
- One Atlantic Center
1201 West Peachtree Street, N.E.
Suite 1600
Atlanta, Georgia 30309-3449
(404) 817-1300
- States: Alabama, Florida, Georgia, North Carolina, South Carolina,
Virginia, West Virginia.
B. Boston Region:
- Shirley Parish, Community Affairs Officer
- Paul Horwitz, Fair Lending Specialist
- Deborah Doyle, Community Affairs Assistant
- Westwood Executive Center
200 Lowder Brook Drive
Suite 3100
Westwood, Massachusetts 02090
(617) 320-1600
- States: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island,
Vermont.
C. Chicago Region:
- L. Ray Jackson, Acting Community Affairs Officer
- Glenn Brewer, Fair Lending Specialist
- 500 West Monroe Street
Suite 3600
Chicago, Illinois 60661
(312) 382-7500
- States: Illinois, Indiana, Michigan, Ohio, Wisconsin.
D. Dallas Region:
- Eloy Villafranca, Community Affairs Officer
- Teresa Perez, Fair Lending Specialist
- Michael Powers, Community Affairs Assistant
- 1910 Pacific Avenue
Suite 1900
Dallas, Texas 75201
(214) 220-3342
- States: Colorado, New Mexico, Oklahoma, Texas
E. Kansas City Region:
- Deanna Caldwell, Community Affairs Officer
- Bradley Streeter, Fair Lending Specialist
- Bob Hoshaw, Community Affairs Assistant
- 2345 Grand Avenue
Suite 1500
Kansas City, Missouri 64108
(816) 234-8000
- States: Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South
Dakota.
F. Memphis Region:
- David Moulton, Community Affairs Officer
- Paul Carruthers, Fair Lending Specialist
- Liz Vickery, Community Affairs Assistant
- 5100 Poplar Avenue
Suite 1900
Memphis, Tennessee 38137
(901) 685-1603
- States: Arkansas, Kentucky, Louisiana, Missippippi, Tennessee
G. New York Region:
- Donna Gambrell, Community Affairs Officer
- Valerie Williams, Fair Lending Specialist
- Paul Diorio, Community Affairs Assistant
- 452 Fifth Avenue
21st Floor
New York, New York 10018
(212) 704-1200
- States: Delaware, District of Columbia, Maryland, New Jersey, New York,
Pennsylvania, and the territories of Puerto Rico and the Virgin
Islands.
H. San Francisco Region:
- Linda Ortega, Community Affairs Officer
- Khalid Halhoul, Fair Lending Specialist
- Adela Coronado, Community Affairs Assistant
- 25 Ecker Street
16th Floor
San Francisco, California
(415) 546-0160
- States: Alaska, Arizona, California, Guam (territory), Hawaii, Idaho,
Montana, Nevada, Oregon, Utah, Washington, Wyoming.
The individuals listed above come from a variety of backgrounds (e.g., non-
profit community organizations, national trade groups, bankers, federal bank
examiners, housing providers and municipal employees). We hope that you will
consider the community affairs staff in your region as a resource. In this
way, we can begin to mutually learn from each other and continue a meaningful
dialogue about community investment and equal access to banking services and
credit.
This post transferred from the cdb-l mailing list