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Office of Thrift Supervision Testimony Archive

05/26/2010Statement of Michael E. Finn, Northeast Region Director, Office of Thrift Supervision regarding American International Group before the Congressional Oversight Panel
05/17/2010Statement of Daniel T. McKee, Central Regional Director, OTS concerning CRE: A Chicago Perspective on Current Market Challenges & Possible Responses before the Financial Services Subcommittee on Oversight and Investigations, US House of Representatives
04/16/2010Statement of John E. Bowman, Acting Director, OTS, Wall Street and the Financial Crisis: The Role of Bank Regulators before the Permanent Subcommittee on Investigations Committee on Homeland Security and Governmental Affairs, United States Senate
03/18/2010Statement of Grovetta N. Gardineer, Managing Dir. for Corporate & Int'l Activities, OTS regarding Insurance Savings & Loan Holding Companies before the Subcommittee on Capital Markets, Insurance & Government Sponsored Enterprises, US House of Representatives
02/26/2010Statement of John E. Bowman, Acting Director, OTS regarding Condition of Small Business and Commercial Real Estate Lending in Local Markets before the Cmte on Financial Services and Cmte on Small Business, United States House of Representatives
10/29/2009Statement of John E. Bowman, Acting Director, OTS, regarding Systemic Regulation, Prudential Matters, Resolution Authority and Securitization before the Committee on Financial Services, United States House of Representatives
10/01/2009Statement of Timothy T. Ward, Deputy Director, Examinations, Supervision and Consumer Protection, OTS regarding Examining the State of the Banking Industry, before the Subcommittee on Financial Institutions, United States Senate
09/23/2009Statement of John E. Bowman, Acting Director, Office of Thrift Supervision, regarding Federal Regulator Perspectives on Financial Regulatory Reform Proposals, before the Committee on Financial Services, United States House of Representatives
08/04/2009Statement of John E. Bowman, Acting Director, Office of Thrift Supervision regarding the Strengthening and Streamlining Prudential Bank Supervision before the Committee on Banking, Housing, and Urban Affairs, United States Senate
07/24/2009Statement of John E. Bowman, Acting Director, Office of Thrift Supervision concerning the Administration’s Financial Regulatory Reform Proposal before the Committee on Financial Services, United States House of Representatives
03/25/2009Statement of Scott M. Polakoff, Acting Director, Office of Thrift Supervision concerning Exploring the Balance between Increased Credit Availability and Prudent Lending Standards before the Committee on Financial Services
03/23/2009Statement of Michael Finn, Northeast Regional Director, Office of Thrift Supervision re: Seeking Solutions: Finding Credit for Small and Medium-Sized Businesses in Massachusetts before the Cmte on Financial Services, US House of Representatives
03/20/2009Statement of Scott M. Polakoff, Acting Director, Office of Thrift Supervision regarding Federal and State Enforcement of Financial Consumer and Investor Protection Laws before the Cmte on Financial Services, United States House of Representatives
03/19/2009Statement of Scott M. Polakoff, Acting Director, Office of Thrift Supervision concerning Modernizing Bank Supervision and Regulation before Committee on Banking, Housing and Urban Affairs, United States Senate
03/19/2009Statement of Montrice Godard Yakimov, Managing Dir for Compliance and Consumer Protection, Office of Thrift Supervision concerning The Credit Cardholders' Bill of Rights Act of 2009 and The Consumer Overdraft Protection Fair Practices Act of 2009
03/18/2009Statement of Scott M. Polakoff, Acting Director, Office of Thrift Supervision Concerning Lessons Learned in Risk Management Oversight at Federal Financial Regulators
03/18/2009Statement of Scott M. Polakoff, Acting Director, Office of Thrift Supervision on American International Group's Impact on the Global Economy: Before, During, and After Federal Intervention
03/05/2009Statement of Scott M. Polakoff, Senior Deputy Director and Chief Operating Officer, Office of Thrift Supervision on American International Group: Examining what went wrong, government intervention, and implications for future regulation
02/24/2009Remarks of Grovetta N. Gardineer, Office of Thirft Supervision to the Subcommittee on Housing and Community Opportunity, United States House of Representatives. "Loan Modifications: Are Mortgage Servicers Assisting Borrowers with Unaffordable Mortgages?
06/19/2008Statement of Scott M. Polakoff, Senior Deputy Director and Chief Operating Officer, Office of Thrift Supervision on Risk Management and Its Implications for Systemic Risk Before the Subcommittee on Securities, Insurance and Investment Committee on Banking, Housing and Urban Affairs
06/06/2008Statement of John M. Reich, Director, Office of Thrift Supervision concerning, The Condition of the Thrift Industry, Part II, before the Committee on Banking, Housing and Urban Affairs, United States Senate
04/17/2008Statement of John E. Bowman, Deputy Director, Chief Counsel Office of Thrift Supervision concerning The Credit Cardholders' Bill of Rights Act of 2008, before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services United States House of Representatives
04/16/2008Statement of Scott Polakoff, Senior Deputy Director and Chief Operating Officer, Office of Thrift Supervision regarding, Turmoil in U.S. Credit Markets: Examining Proposals to Mitigate Foreclosures and Restore Liquidity to the Mortgage Markets, before the Committee on Banking, Housing, and Urban Affairs, United States Senate
04/15/2008Statement of Cassandra E. McConnell, Director
04/09/2008Statement of John M. Reich, Director, Office of Thrift Supervision regarding, Using FHA for Housing Stabilization and Homeownership Retention, before the Committee on Financial Services , United States House of Representatives
03/04/2008Statement of John M. Reich, Director, Office of Thrift Supervision concerning, The Condition of the Thrift Industry, before the Committee on Banking, Housing and Urban Affairs, United States Senate
02/13/2008Montrice Godard Yakimov, Managing Director for Compliance and Consumer Protection, Office of Thrift Supervision concerning, The Community Reinvestment Act: Thirty Years of Accomplishments, But Challenges Remain, before the Committee on Financial Services, United States House of Representatives
12/12/2007Statement of Montrice Godard Yakimov, Managing Director, Compliance and Consumer Protection, Office of Thrift Supervision concerning the Financial Consumer Hotline Act of 2007, before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services
12/06/2007Statement of Scott M. Polakoff, Senior Deputy Director and Chief Operating Officer, Office of Thrift Supervision concerning, Accelerating Loan Modifications, Improving Foreclosure Prevention and Enhancing Enforcement, before the The Committee on Financial Services, United States House of Representatives
10/30/2007Statement of Montrice Goddard Yakimov, Managing Director for Compliance and Consumer Protection, Office of Thrift Supervision concerning, Preserving and Expanding Minority Banks, before the Subcommittee on General Oversight and Investigations, of Committee on Financial Services, United States House of Representatives
10/26/2007Statement of Montrice Godard Yakimov, Managing Director for Compliance and Consumer Protection, Office of Thrift Supervision concerning, Upholding the Spirit of the CRA: Do CRA Ratings Accurately Reflect Bank Practices?, before the Subcommittee on Domestic Policy of the Committee on Oversight and Government Reform, United States House of Representatives
10/04/2007Statement of Scott M. Polakoff, Senior Deputy Director, Office of Thrift Supervision, concerning Industrial Loan Companies before the Committee on Banking, Housing, and Urban Affairs, United States Senate
09/20/2007 Statement of Montrice Godard Yakimov, Managing Director for Compliance and Consumer Protection, Office of Thrift Supervision, concerning "A Review of Bank Treatment of Social Security Benefits", before the Committee on Finance, United States Senate
07/25/2007Statement of Montrice Godard Yakimov, Managing Director for Compliance and Consumer Protection, Office of Thrift Supervision, concerning "Rooting Out Discrimination in Mortgage Lending: Using HMDA as a Tool for Fair Lending Enforcement", before the Subcommittee on Oversight and Investigations of the committee on Financial Services, United States House of Representatives
06/13/2007Statement of Scott M. Polakoff, Senior Deputy Director Office of Thrift Supervision, concerning Improving Federal Consumer Protection in Financial Services before the Committee on Financial Services, United States House of Representatives
06/07/2007Statement of John M. Reich, Director, Office of Thrift Supervision, concerning Credit Card Lending, before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, United States House of Representatives
04/26/2007Statement of John M. Reich, Director, Office of Thrift Supervision concerning Industrial Loan Companies before the Committee on Financial Services United States House of Representatives
03/27/2007Statement of John M. Reich, Director, Office of Thrift Supervision, concerning Subprime and Predatory Lending, before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, United States House of Representatives
03/22/2007Statement of Scott Polakoff, Deputy Director, Office of Thrift Supervision, concerning Nontraditional Mortgages and Subprime Hybrid Adjustable Rate Mortgages, before the Committee on Banking, Housing, and Urban Affairs, United States Senate
09/26/2006Statement of John Reich, Director, Office of Thrift Supervision, concerning the New Basel Capital Accord, before the Committee on Banking, Housing and Urban Affairs United States Senate
09/20/2006Statement of Scott M. Albinson, Managing Director Examinations, Supervision & Consumer Protection, concerning Alternative Mortgage Products before the Senate Subcommittee on Housing and Transportation
05/25/2006Statement of John M. Reich, Director, Office of Thrift Supervision - Oversight Hearing on the Office of Thrift Supervision, before the Subcommittee on Oversight and Investigations of the Committee on Financial Services U.S. House of Representatives
05/11/2006Statement of Scott M. Polakoff, Deputy Director, Office of Thrift Supervision, concerning The Credit Union Charter Choice Act, H.R. 3206, before the Subcommittee on Financial Institutions and Consumer Credit of the House Financial Services Committee
03/01/2006Statement on Regulatory Burden Relief by John M. Reich, Director Office of Thrift Supervision before the Senate Committee on Banking, Housing and Urban Affairs
03/01/2006Statement of John M. Reich, Director, Office of Thrift Supervision concerning Regulatory Burden Relief before the Senate Committee on Banking, Housing and Urban Affairs
11/10/2005Statement of John M. Reich, Director, Office of Thrift Supervision concerning Development of a New Basel Capital Framework before the Committee on Banking, Housing and Urban Affairs United States Senate
09/22/2005Statement of John E. Bowman, Chief Counsel, Office of Thrift Supervision concerning Regulatory Burden Relief before the Subcommittee on Financial Institutions and Consumer Credit of the House Financial Services Committee
06/21/2005Statement of Richard M. Riccobono, Acting Director, Office of Thrift Supervision concerning Regulatory Burden Relief before the Senate Committee on Banking, Housing and Urban Affairs
06/09/2005Statement of Richard M. Riccobono, Acting Director, Office of Thrift Supervision concerning Regulatory Burden Relief before the Subcommittee on Financial Institutions and Consumer Credit of the House Financial Services Committee
05/11/2005Statement of Richard M. Riccobono, Acting Director, Office of Thrift Supervision concerning Basel II: Capital Changes in the U.S. Banking System and the Results of the Impact Study, before the Subcommittee on Financial Institutions and Consumer Credit and the Subcommittee on Domestic and International Monetary Policy, Trade and Technology
07/09/2004Comment Letter from James E. Gilleran, Director, Office of Thrift Supervision to Securities and Exchange Commission on the Commission's Proposed Rule on Certain Thrift Institutions Deemed Not to be Investment Advisers
06/22/2004Statement of John E. Bowman, Chief Counsel Office of Thrift Supervision Concerning Regulatory Burden Relief before the Committee on Banking, Housing and Urban Affairs United States Senate
06/04/2004Statement of James E. Gilleran, Director, Office of Thrift Supervision, hearing on the Bank Secrecy Act before the Committee on Banking, Housing, and Urban Affairs United States Senate
04/28/2004Statement of James E. Gilleran, Director, Office of Thrift Supervision, on the Condition of the Thrift Industry before the Committee on Banking, Housing and Urban Affairs, United States Senate
06/19/2003Gilleran Testimony before House Banking on Basel II Accord
06/18/2003Testimony on Basel II Capital Accord by James E. Gilleran, Director, Office of Thrift Supervision, before the Senate Banking, Housing, and Urban Affairs Committee
03/27/2003Statement of Carolyn J. Buck, Chief Counsel, Office of Thrift Supervision, concerning Reducing Regulatory Burden, before the Subcommittee on Financial Institutions and Consumer Credit
02/26/2003Testimony on Federal Deposit Insurance Reform by James E. Gilleran, Director, Office of Thrift Supervision before the Senate Banking, Housing, and Urban Affairs Committee
04/23/2002Testimony on Federal Deposit Insurance Reform by James E. Gilleran, Director, OTS, before the Senate Banking Committee
03/14/2002Statement of Carolyn Buck, Chief Counsel, Office of Thrift Supervision concerning Reducing Regulatory Burden before the Subcommittee on Financial Institutions and Consumer Credit, U. S. House of Representatives
09/19/2001Testimony on Predatory Lending before the Committee on Banking and Financial Services United States House of Representatives by Ellen Seidman, Director, Office of Thrift Supervision
07/26/2001Testimony on Federal Deposit Insurance Reform by Ellen Seidman, Director, Office of Thrift Supervision before the Subcommittee of Financial Institutions and Consumer Credit Committee on Financial Services United States House of Representatives
06/20/2001Statement of Ellen Seidman, Director, Office of Thrift Supervision on the Condition of the Thrift Industry before the Committee on Bank, Housing and Urban Affairs, United States Senate
03/06/2001Scott Albinson, Office of Thrift Supervision, Testimony on Interagency Regulatory Information Sharing, before the Committee on Financial Services, Subcommittee on Oversight and Investigations, Subcommittee on Financial institutions and Consumer Credit, United States House of Representatives
05/24/2000Testimony on Predatory Lending before the Committee on Banking and Financial Services United States House of Representatives by Ellen Seidman, Director, Office of Thrift Supervision
02/17/2000Statement of Ellen Seidman, Director, OTS, on Merger of the Federal deposit Insurance Funds, Before the Subcommittee on Financial Institutions and Consumer Credit, Committee on Banking and Financial Services United State House of Representatives
02/08/2000Statement on Recent Bank Failures
02/08/2000Testimony on Recent Bank Failures Before the Committee on Banking and Financial Services by Ellen Seidman
04/13/1999Testimony of Ellen Seidman, Director Office of Thrift Supervision, on the Office of Thrift Supervision’s Year 2000 Examination Efforts before the Committee on Banking and Financial Services, United States House of Representatives
03/04/1999Statement of Timothy R. Burniston, Managing Director Compliance Policy and Specialty Examinations Office of Thrift Supervision On Proposed "Know Your Customer" Rules
02/24/1999Remarks Statement of Ellen Seidman , Director of the Office of Thrift Supervision, on Financial Modernization Legislation Before the Committee on Banking, Housing and Urban Affairs of the United States Senate
02/12/1999Statement of Ellen Seidman, Director Office of Thrift Supervision on Financial Modernization and H.R. 10 Before the Committee on Banking and Financial Services of the United States House of Representatives
06/25/1998Seidman's Statement Concerning Financial Modernization Before the Committee on Banking, Housing and Urban Affairs United States Senate
04/29/1998Seidman's Oral Statement Before the Committee on Banking and Financial Services on Recent Proposed Mergers of Large Financial Institutions
04/29/1998Seidman's Testimony Before the Committee on Banking and Financial Services Concerning the Recent Proposed Mergers of Large Financial Institutions
03/18/1998Seidman's Testimony Concerning the Office of Thrift Supervision's Year 2000 Computer Preparedness Before the Subcommittee on Financial Services and Technology Committee on Banking, Housing and Urban Affairs
03/10/1998Seidman's Statement Concerning the Financial Regulatory Relief and Economic Efficiency Act Before the Committee on Banking, Housing and Urban Affairs, U.S. Senate
02/05/1998Seidman's Testimony on the Examination Parity & Year 2000 Readiness for Financial Institutions Act Before the Committee on Banking and Financial Services United States House of Representatives
11/04/1997Seidman Testimony Before the Committee on Banking and Financial Services
10/21/1997Retsinas Testimony, Before the Subcommittee on Financial Institutions and Regulatory Relief, Concerning the Condition of the Thrift Industry
10/08/1997Retsinas Testimony, Before the Subcommittee on Financial Institutions and Consumer Credit on Examination and Supervision Systems
07/29/1997Retsinas Testimony Before the Committee on Banking and Financial Services concerning the Government Performance and Results Act
07/17/1997Retsinas Testimony, Before the Subcommittee on Finance and Hazardous Materials Committee on Commerce
05/22/1997Retsinas Testimony, Before the Committee on Banking and Financial Services on Financial Modernization
02/13/1997Retsinas Testimony, Before the Subcommittee on Financial Institutions and Consumer Credit, on Financial Modernization
04/30/1996Fiechter Testimony, Before the House Banking Committee on OTS views on the Current Federal Depository Institution Regulatory System
03/19/1996Fiechter Testimony, Before the House Banking Committee Reaffirming Support for Legislation Addressing Financial Problems Facing SAIF and FICO
03/13/1996Fiechter Testimony, Before the House Banking Committee on OTS views on the Current Federal Depository Institution Regulatory System
09/27/1995Fiechter Testimony, Federal Home Loan Bank System, Before the Subcommittee on Capital Markets, Securities, and Government Sponsored Enterprises
09/21/1995Fiechter Testimony, Deposit Insurance and Thrift Charter Convergence, Before the Subcommittee on Financial Institutions and Consumer Credit
08/02/1995Fiechter Testimony, Savings Association Insurance Fund, Before the Subcommittee on Financial Institutions and Consumer Credit
07/28/1995Fiechter Testimony, Savings Association Insurance Fund, Before the Committee on Banking, Housing, and Urban Affairs