Freedom of Information Office

Credit Risk Retention [R-1411]

Inter-agency proposed rule that requires sponsors of asset-backed securities (ABS) to retain at least 5 percent of the credit risk of the assets underlying the securities.

• Pulsifer & Associates, Nathaniel Pulsifer (3 KB PDF)
• Bernie A Sikorski (3 KB PDF)
• B. Sikorski (3 KB PDF)
• CBC Federal Credit Union, Wesley Walton (7 KB PDF)
• Kevin Sharpe (4 KB PDF)
• Stephen N Emory (4 KB PDF)
• National Civil Rights, Labor and Consumer Organizations (136 KB PDF)
• Chris Barnard (164 KB PDF)
• Patrick Bates (8 KB PDF)
• Nebraska Mortgage Association, Sherri O'Callaghan, President (4 KB PDF)
• Julia Michael (3 KB PDF)
• David Shamansky (6 KB PDF)
• Securities Industry and Financial Markets Association, Richard A. Dorfman (369 KB PDF)
• Sidley Austin LLP, Eric D. Tashman (691 KB PDF)
• Anonymous (92 KB PDF)
• Center for Responsible Lending, Consumer Federation of America, National Association of REALTORS and National Association of Home Builders (111 KB PDF)
• Jef Kelly (3 KB PDF)
• VIP Mortgage Inc., Brian G Shatto (4 KB PDF)
• Federal Advisory Council meeting with the Board of Governors, May 13, 2011 (50 KB PDF)
• Lyman King (4 KB PDF)
• The Wakefield Company, LLC, K. Terrence Wakefield (310 KB PDF)
• Scott Stucky (4 KB PDF)
• GreenPath, Inc., Rick Bialobrzeski, Director of Government/External Relations (487 KB PDF)
• Sumner Bank and Trust, Ken Irvin (4 KB PDF)
• Grabill Bank, Doug Fyock (4 KB PDF)
• Arvest Bank, Tuesday Blair (4 KB PDF)
• Corporate Investors Mortgage Group, Eleanor Thorne (4 KB PDF)
• Jonathan Watkins (3 KB PDF)
• Guarantee Mortgage, Kathy Cochran (4 KB PDF)
• Cornerstone Mortgage, Inc., David DeNoyer (3 KB PDF)
• MidWest America Federal Credit Unon, Wanda Cisna (3 KB PDF)
• Thomas Hedderich (3 KB PDF)
• Mortgage Bankers, Sonya Pitt (5 KB PDF)
• CommonPoint, George Pitt (4 KB PDF)
• Bloomfield State Bank, Elizabeth Cox-Ash (3 KB PDF)
• Flagstar Bank, John P McCully (3 KB PDF)
• Realtors Association of York and Adams Counties, Martin Sowa (3 KB PDF)
• Sarah B. Stedfast (3 KB PDF)
• Cheryl E (3 KB PDF)
• David M Neylan (3 KB PDF)
• 1st Bank Data Corporation, David A. Kelly (1819 KB PDF)
• Donald K Robinson (3 KB PDF)
• Parkside Lending LLC, Matthew J Ostrander (6 KB PDF)
• Janet Duffy (4 KB PDF)
• Amerihome Mortgage, Rod J. Hill (3 KB PDF)
• John W. Pilcher (4 KB PDF)
• Dawn Mutum-Plies (6 KB PDF)
• Brookhaven Mortgage, Charles E Kontz (3 KB PDF)
• James S. Maloney (4 KB PDF)
• Charles Pearson (3 KB PDF)
• CNN Mortgage, Julie Messina (4 KB PDF)
• American Automotive Leasing Association, Dan Frank (1423 KB PDF)
• National Association Of Affordable Housing Lenders, Judith A. Kennedy (419 KB PDF)
• Townebank Mortgage, Cheryl E. Davidson (3 KB PDF)
• Howard Hanna, Howard W. Hanna III (784 KB PDF)
• Minnesota Mortgage Association, Patrick Martyn (741 KB PDF)
• Minnesota Mortage Association, Patrick Martyn (1485 KB PDF)
• Parkside Lending, Nathalie Lemaire (5 KB PDF)
• John S Wiseman (5 KB PDF)
• Summit Home Mortgage, Inc., William Dukes (4 KB PDF)
• Henrietta Roos Staser (84 KB PDF)
• Japanese Bankers Association, Chiyoda-ku, JAPAN (209 KB PDF)
• Samantha McCoy (3 KB PDF)
• Julie Thurlow (5 KB PDF)
• Mildred I Lewis (3 KB PDF)
• Mortgage Banker Peoples Mortgage, Jacqueline K Calkins (4 KB PDF)
• Linda I Sullivan (3 KB PDF)
• Primary Capital Mortgage, Mike Hart (8 KB PDF)
• Jeff Tobias (4 KB PDF)
• Peter K. Moore (4 KB PDF)
• The Heritage Foundation, David Addington (1029 KB PDF)
• Eva J. Sleeper (9 KB PDF)
• Equipment Leasing and Finance Association, William G. Sutton (787 KB PDF)
• National Urban League, Marc H. Morial (552 KB PDF)
• Connie Hess (3 KB PDF)
• Bernell K Grier (4 KB PDF)
• Robert Bolton (3 KB PDF)
• Robert Armstrong (3 KB PDF)
• Jason Repac (3 KB PDF)
• Joyce Dillard (5 KB PDF)
• Anonymous (3 KB PDF)
• Nisan Youshei (3 KB PDF)
• Hao Feng (4 KB PDF)
• John Vogt (3 KB PDF)
• Howard Bailey (3 KB PDF)
• Dave Mahoney (3 KB PDF)
• William Rey (3 KB PDF)
• Deborah Crater (4 KB PDF)
• Ashley Dean (3 KB PDF)
• Algamir Farouk (4 KB PDF)
• Kirk Haws (3 KB PDF)
• Denise Pottinger (3 KB PDF)
• Christopher Goodman (3 KB PDF)
• Kittie Dott (4 KB PDF)
• Timothy Jones (3 KB PDF)
• James Martin (3 KB PDF)
• Jason Payne (3 KB PDF)
• Robert Allen (3 KB PDF)
• David Levine (258 KB PDF)
• White & Case, LLP (1477 KB PDF)
• Pennsylvania Housing Finance Agency, Kate Newton and Rebecca L. Peace (476 KB PDF)
• Marshall & Swift, Scott Andrew (576 KB PDF)
• Trevor Theilen (3 KB PDF)
• Greg Kuppler (3 KB PDF)
• Greg Scheller (3 KB PDF)
• Ross L Miller (3 KB PDF)
• Mortgage Bankers Association of Kentucky, Adam Hall (56 KB PDF)
• Amherst Securities Group, LP, Laurie Goodman (12721 KB PDF)
• Andrew Davidson & Co., Inc., Andrew Davidson (889 KB PDF)
• Prudential Investment Management, Inc., James J. Sullivan (830 KB PDF)
• American Express Company, Harold E Schwartz (520 KB PDF)
• The Magi Companies, Mary Glass-Schannault and Gretchen Verdugo (591 KB PDF)
• Citigroup Global Markets Inc., Jeffrey A. Perlowitz and Myongsu Kong (1077 KB PDF)
• Virginia Housing Development Authority, Susan F. Dewey (206 KB PDF)
• Shannon Miller (6 KB PDF)
• Colorado Mortgage Lenders Association, T. K. Jones (459 KB PDF)
• Securities Industry and Financial Markets Association, Richard A. Dorfman, Christopher B. Killian and Timothy W. Cameron (765 KB PDF)
• American Securitization Forum, Sam Niles (1711 KB PDF)
• Tom Fultz (313 KB PDF)
• American Society of Appraisers and National Association of Independent Fee Appraisers (729 KB PDF)
• Pittsburgh Community Reinvestment Group, Ernest E. Hogan (623 KB PDF)
• Sandra Rosenblith (6 KB PDF)
• Home Repair Resource Center, Kathryn Lad (7 KB PDF)
• U.S. Bank Home Mortgage, David McClure (2151 KB PDF)
• National Rural Utilities Cooperative Finance Corporation (1698 KB PDF)
• Fox & Roach/Trident, Gerard F. Griesser (679 KB PDF)
• Georgia Bankers Association, Joe Brannen, President & CEO (57 KB PDF)
• Howard Hanna (3 KB PDF)
• St. Louis Equal Housing and Community Reinvestment Alliance, Will Jordan, Jackie Hutchinson, Rose Eichelberger, Adolphus Pruitt, Rance Thomas, and Janice McKinney (322 KB PDF)
• Metropolitan Life Insurance Company, Jonathan L. Rosenthal (939 KB PDF)
• New York State Association of REALTORS, Inc., Nicholas Gigante (234 KB PDF)
• U.S. Senator, Carl Levin (992 KB PDF)
• Baker Botts L.L.P., Timothy S. Taylor (259 KB PDF)
• Access Group, Inc.& Non-Profit Student Loan Lenders (126 KB PDF)
• Virginia Housing Development Authority, Susan F. Dewey, Executive Director (68 KB PDF)
• National Association of Independent Land Title Agents, Charles W. Proctor, III, President (199 KB PDF)
• Leonard Becker (90 KB PDF)
• Kelly Seiler (3 KB PDF)
• U.S. House of Representatives Committee Financial Services, Honorable Spencer Bachus, Chairman (67 KB PDF)
• Jack Barkley (61 KB PDF)
• U.S. Senate, Senators Landrieu, Isakson and Hagan (87 KB PDF)
• U.S. House of Representatives, Honorable Emanuel Cleaver, II (71 KB PDF)
• U.S. Senate, Senator Roger F. Wicker (88 KB PDF)
• U.S. Senate, Senator Sherrod Brown (91 KB PDF)
• U.S. Senate, Senator Herb Kohl (81 KB PDF)
• U.S. House of Representatives, Honorable Tom Price (128 KB PDF)
• Various Members of the U. S. House of Representatives Committee on Financial Services (128 KB PDF)
• U.S. Senate, Senator John Kerry (152 KB PDF)
• U.S. Senate, Senator Kelly A. Ayotte (93 KB PDF)
• U.S. Senate, Senator John Cornyn (69 KB PDF)
• U.S. Senate, Senator James M. Inhofe (65 KB PDF)
• Brazos Higher Education Authority, Inc., Murray Watson, Jr. (555 KB PDF)
• South Tahoe Association of REALTORS, Sharon Kerrigan, Executive Vice President (7 KB PDF)
• Pennsylvania Credit Union Association, James J. MCormack (384 KB PDF)
• Various Members of the U.S. House of Representatives (1807 KB PDF)
• Woodstock Institute, Tom Feltner (487 KB PDF)
• M. Harmer (3 KB PDF)
• Nebraska Bankers Association meeting with Federal Reserve Board Governor Sarah Bloom Raskin, June 15, 2011 (11 KB PDF)
• Cunningham & Company , David Cunningham (5 KB PDF)
• Commercial Real Estate Finance Council, Stephen M. Renna (17064 KB PDF)
• Straight-A Funding, LLC., Jason H. P. Kravitt (3824 KB PDF)
• Nick Nicholas (6 KB PDF)
• North Carolina Bankers Association, Meghan Best (121 KB PDF)
• Elizabeth Larson (4 KB PDF)
• Education Finance Council, Vince Sampson (1997 KB PDF)
• Independent Bankers Associaton of Texas, Christopher L. Williston (396 KB PDF)
• Christopher Roe (4 KB PDF)
• Shachi Bhardwaj (4 KB PDF)
• Total Community Credit Union, Phillip Matous (14 KB PDF)
• Carol Clark Law, Michael A. O'Neill (4 KB PDF)
• John R Matthews (3 KB PDF)
• Neighborhood Finance Corporation, Holly A. Olson (1264 KB PDF)
• U.S. Senate, Senators Jerry Moran, Mike Johnson & Pat Roberts (77 KB PDF)
• Real estate investor, Dan Hogan (3 KB PDF)
• Realtors Association of Maui, Inc., Sarah J. Sorenson (39 KB PDF)
• National Association of Home Builders, David L. Ledford (8451 KB PDF)
• Radian Group, Inc. (2336 KB PDF)
• Minnesota Housing Partnership, Chip Halbach (7 KB PDF)
• Michael Monasky (5 KB PDF)
• PrimeLending, Todd Salmans (1169 KB PDF)
• SunTrust, Janet Farmer (3 KB PDF)
• Eastman Credit Union, Olan O. Jones, Jr. (6 KB PDF)
• Lee Beaulac (8 KB PDF)
• Kutak Rock LLP, Robert J.Ahrenholz and John J. Wagner (264 KB PDF)
• SunTrust Banks, Inc., Hugh S. Cummins (174 KB PDF)
• American Credit Union Mortgage Association, John C. Reed (503 KB PDF)
• Minnesota Bankers Association, Tess Rice (87 KB PDF)
• Advocates for Basic Legal Equality, Inc., Stanley A. Hirtle (373 KB PDF)
• National Multi Housing Council and National Apartment Association, Douglas M. Bibby and Douglas S. Culkin (771 KB PDF)
• Deutsche Bank AG, Salvatore P. Palazzolo (13258 KB PDF)
• DallasRelo, Inc., Realtors, Larry Regen (65 KB PDF)
• National Association of Federal Credit Unions, Dillion Shea (590 KB PDF)
• FTN Financial, Michael K. Waddell (207 KB PDF)
• Primary Capital, Ken Witte (21 KB PDF)
• National Automobile Dealers Association, Paul D. Metrey (843 KB PDF)
• California Reinvestment Coalition (304 KB PDF)
• The First Marblehead Corporation, Gary F. Santo, Jr. (804 KB PDF)
• SLM Corporation, Laurent Lutz (229 KB PDF)
• Texas Mortgage Bankers Association, Tim Fisher (1770 KB PDF)
• Honolulu Board of REALTORS, Joyce Nakamura (340 KB PDF)
• Council of Institutional Investors, Laurel Leitner (829 KB PDF)
• Regions Financial Corporation, Barbara Brown (284 KB PDF)
• Neighborhood Housing Services of Chicago, Inc., Ed Jacob (1531 KB PDF)
• National Lumber and Building Material Dealers Association, Scott Lynch (474 KB PDF)
• TransUnion LLC, John W. Blenke (1956 KB PDF)
• Impact Mortgage Management Advocacy & Advisory Group, William F. Kidwell, Jr. (38 KB PDF)
• Northwest Credit Union Association, Jaycee Winn (80 KB PDF)
• Denali Alaskan Federal Credit Union, William Baynard (103 KB PDF)
• American Financial Services Association, Bill Himpler (1151 KB PDF)
• HVP Inc.'s, John E. Marthinsen and James M. Connolly (867 KB PDF)
• NASA Federal Credit Union, Douglas M. Alman (150 KB PDF)
• Metropolitan Consortium of Community Developers, Jim Roth (353 KB PDF)
• Barclays Capital Inc., Tom Hamilton (948 KB PDF)
• Allegany County Community Opportunities and Rural Development Corporation, Charles T. Kalthoff (725 KB PDF)
• Weiner Brodsky Sidman Kider, PC, Joel A. Schiffman (2685 KB PDF)
• National Housing Conference, Maureen Friar (2486 KB PDF)
• Institute of Real Estate Management, Ronald L. Goss (402 KB PDF)
• Ranieri Partners Management LLC, Lewis S. Ranieri & Kenneth T. Rosen (1170 KB PDF)
• Enterprise Community Partners, Robert Grossinger (1852 KB PDF)
• KPMG LLP (161 KB PDF)
• Greater Boston Association of REALTORS, Deborah A. Heffernan (68 KB PDF)
• Wells Fargo & Company, Timothy J. Sloan (2739 KB PDF)
• Undersigned Organizations (103 KB PDF)
• Palos Verdes Peninsula Association of REALTORS, Sandra Sanders (421 KB PDF)
• The Wharton School, Jack M. Guttentag (121 KB PDF)
• Mortgage Bankers Association of Georgia, Inc., Georgette Mooneyham (465 KB PDF)
• State of Wisconsin/Office of the Commissioner of Insurance, Theodore K. Nickel (107 KB PDF)
• Empire Justice Center, Ruhi Maker and Barbara van Kerkhove (499 KB PDF)
• Wisconsin Bankers Association, Rose M. Oswald Poels (215 KB PDF)
• Consumer Action, Ruth Susswein (315 KB PDF)
• Housing Finance Authority of Pinellas County, Rodney S. Fischer (98 KB PDF)
• CCIM Institute, Frank N. Simpson (376 KB PDF)
• Nebraska Bankers Association, George Beattie (355 KB PDF)
• National Housing Conference (830 KB PDF)
• Massachusetts Bankers Association's, Jon K. Skarin (740 KB PDF)
• Ithaca Board of Realtors, Inc., Rosemary Rukavena (87 KB PDF)
• USAA Federal Savings Bank & United Services Automobile Association, Steven Alan Bennett (774 KB PDF)
• National Foreclosure Prevention & Neighborhood Stabilization Task Force (800 KB PDF)
• Center For Financial Stability, Kim Leslie Shafer (7168 KB PDF)
• Helena Association of REALTORS, Ryan Swinney (270 KB PDF)
• Royal Credit Union, Randy L. Beck (675 KB PDF)
• PulteGroup, Inc., Richard J. Dugas and Debra W. Still (301 KB PDF)
• Impact Community Capital LLC, Daniel F. Sheehy (749 KB PDF)
• FTN Financial, Michael K. Waddell (214 KB PDF)
• Committee on Capital Markets Regulation, R. Glenn Hubbard, John L.Thornton & Hal S.Scott (597 KB PDF)
• O'Melveny & Myers LLP (189 KB PDF)
• Buildings Owners and Managers Association, Henry H. Chamberlain (455 KB PDF)
• University of New Hampshire, The Carsey Institute, Professor Michael Swack (200 KB PDF)
• Association of Financial Guaranty Insurers, Bruce E. Stern (614 KB PDF)
• Advantage Plus Credit Reporting, Inc, Delia Zuniga (1231 KB PDF)
• Ohio Credit Union League, John F. Kozlowski and Carole D. McCallister (613 KB PDF)
• Missouri Bankers Association (551 KB PDF)
• Colorado Mortgage Lenders Association, T. K. Jones (159 KB PDF)
• Commercial Real Estate Finance Council, Stephen M. Renna (839 KB PDF)
• Massachusetts Mortgage Bankers Association, Kristin Langone (387 KB PDF)
• American Land Title Association, Anne Anastasi (2396 KB PDF)
• Citizens' Housing and Planning Association, Karen Wiener (401 KB PDF)
• Missouri Credit Union Association, Michael V. Beall (376 KB PDF)
• Michigan Credit Union League, Michael J. DeFors (381 KB PDF)
• Invesco, Lyman Missimer (235 KB PDF)
• Conference of State Bank Supervisors, Neil Milner (882 KB PDF)
• Better Markets, Inc., Dennis M. Kelleher and Stephen W. Hall (639 KB PDF)
• Housing Partnership Network, Paul Weech (4383 KB PDF)
• Credit Union National Association, Kristina A. Sadlak (565 KB PDF)
• Shellpoint Partners LLC, Saul Sanders (979 KB PDF)
• AARP, David Certner (2480 KB PDF)
• Housing Assistance Council, Moises Loza (102 KB PDF)
• Price Waterhouse Coopers, LLP (525 KB PDF)
• Real Estate Roundtable, Jeffrey D. DeBoer (794 KB PDF)
• Association of Mortgage Professionals, Michael J. D'Alonzo (437 KB PDF)
• House of Representatives, Honorable Kathleen C. Hochul (40 KB PDF)
• National Fair Housing Alliance, Shanna L. Smith (2065 KB PDF)
• House of Representatives, Honorable Candice S. Miller (67 KB PDF)
• Vanguard, Gus Sauter (757 KB PDF)
• House of Representatives, Honorable Leonard L. Boswell (57 KB PDF)
• House of Representatives, Honorable Scott Rigell (86 KB PDF)
• National Council of La Raza, Janet Murguia and Hilary Shelton (476 KB PDF)
• The Greenlining Institute (372 KB PDF)
• Mutual of Omaha Bank, Marjorie Heller (1036 KB PDF)
• House of Representatives, Honorable Rick Crawford (44 KB PDF)
• Community Bankers Association of Illinois, David G. Schroeder (696 KB PDF)
• Center For Capital Markets Competitiveness, David T. Hirschmann (362 KB PDF)
• Housing Policy Council & The Financial Services Roundtable, John H. Dalton (724 KB PDF)
• U.S. House of Representatives, Honorable Jeb Hensarling and Honorable Peter Roskam (556 KB PDF)
• United States Congress, Honorable J. Randy Forbes (100 KB PDF)
• Loan Syndications and Trading Association, Bram Smith (8432 KB PDF)
• Federal Regulation of Securities, Securitization & Structured Finance Committee, Jeffrey W. Rubin and Vicki O. Tucker (1043 KB PDF)
• PNC Financial Services Group, Inc., Saiyid Naqvi (1310 KB PDF)
• Center For Financial Stability, Kim Leslie Shafer (6828 KB PDF)
• Loan Market Association, Nicholas Voisey (117 KB PDF)
• HVP Inc., John E. Marthinsen and James M. Connolly (1765 KB PDF)
• United Guaranty Corporation, Eric Martinez (2738 KB PDF)
• Redwood Trust, Inc., Martin S. Hughes (962 KB PDF)
• Mortgage Guaranty Insurance Corporation, Curt S. Culver (10841 KB PDF)
• Financial Services Roundtable, Richard M. Whiting (2977 KB PDF)
• Housing Policy Council, John H. Dalton (725 KB PDF)
• Realogy Corporation, Richard A. Smith (732 KB PDF)
• Alaska USA Federal Credit Union, Jerry Reed (88 KB PDF)
• Affordable Housing Professionals of New Jersey, Randall M. Gotteman and Frank Piazza (87 KB PDF)
• NeighborWorks America, Eileen Fitzgerald (2169 KB PDF)
• Bank of America Corporation, Peter Bell (1983 KB PDF)
• Loan Syndications And Trading Association, R. Bram Smith (1966 KB PDF)
• Association of Mortgage Investors, Chris J. Katopis (6461 KB PDF)
• The Wisconsin Credit Union League, Joanne R. Whiting (644 KB PDF)
• Australian Securitsation Forum, Chris Dalton (1186 KB PDF)
• Bank of America Corporation, Kenneth L. Miller (786 KB PDF)
• West Plains Bank, John Halbersleben (82 KB PDF)
• Community Mortgage Lenders of America, Kevin M. Cuff (316 KB PDF)
• Invesco Senior Secured Management, Inc., Greg Stoeckle (979 KB PDF)
• Peter Alpert (55 KB PDF)
• National Credit Reporting Association, Inc., Terry Clemans (4696 KB PDF)
• Essent Guaranty, Inc., Adolfo F. Marzol (1091 KB PDF)
• National Association of Realtors, Ron Phipps (3005 KB PDF)
• Neighborhood Finance Corporation, Holly A. Olson (1796 KB PDF)
• Various Federal Loan Home Banks (1492 KB PDF)
• Housing Finance Alliance LLP, W. Michael House (1358 KB PDF)
• IPFS Corporation, Bryan J. Andres (1844 KB PDF)
• House of Representatives, Honorable Jeff Fortenberry (64 KB PDF)
• Umpoqua Holdings Corporation, Steven L. Philpott (1660 KB PDF)
• Community Mortgage Banking Project, Glen Corso (1481 KB PDF)
• Association of Financial Guaranty Insurers, Bruce E. Stern (554 KB PDF)
• MortgageAmerica, Inc. , J. Bradford Johnson (1797 KB PDF)
• California Association of Mortgage Professionals, Ed Craine (1794 KB PDF)
• The Hertz Corporation, Elyse Douglas (333 KB PDF)
• Duemelands Commercial Real Estate, Skip Duemeland (293 KB PDF)
• Rowe Realty Company, Inc., Robert H. Rowe (257 KB PDF)
• Neighborhood Assistance Corporation of America, Bruce Marks (148 KB PDF)
• CANICCOR, John E. Lind (483 KB PDF)
• Home Equity Securities LLC, John O'Brien (367 KB PDF)
• Guaranteed Rate, Charles I. Bachtell (219 KB PDF)
• Universal American Mortgage Company, James T. Timmons (166 KB PDF)
• Select Milwaukee, Raymond Schmidt (1760 KB PDF)
• Real Estate Economics, Jefferson Duarte and Douglas A. McManus (552 KB PDF)
• NeighborWorks® Anchorage, Debe Mahoney (500 KB PDF)
• American Builders Association and ABA Securities Association, Robert R. Davis (515 KB PDF)
• Experian, Steve Wagner (244 KB PDF)
• Durham Branch National Association For The Advancement of Colored People, Fred Foster, Jr. (775 KB PDF)
• Coalition for Sensible Housing Policy (2484 KB PDF)
• Undersigned Fair Housing and Civil Rights Advocates (5883 KB PDF)
• JPMorgan Chase &Co., Barry L. Zubrow (4390 KB PDF)
• Association for Financial Markets in Europe, Richard H. Hopkin (229 KB PDF)
• Investment Company Institute, Karrie McMillan (838 KB PDF)
• Independent Community Bankers of America, Ann M. Grochala (14624 KB PDF)
• Oklahoma Bankers Associaton met with Governor Elizabeth Duke, September 13, 2011 (93 KB PDF)
• Mortgage Bankers Association, Michael D. Berman (2363 KB PDF)
• Community Reinvestment Association of North Carolina, Adam Rust (15362 KB PDF)
• National Association of REALTORS, Ron Phipps (2303 KB PDF)
• Real Estate Services Providers Council, Inc., Susan E. Johnson (1883 KB PDF)
• Vehicle ABS Sponsors (347 KB PDF)
• Massachusetts Mortgage Bankers Association, Kristin Langone (1498 KB PDF)
• Federal Advisory Council (142 KB PDF)
• University of Maryland, Clifford V. Rossi, PhD (7315 KB PDF)
• Alliance Data Systems Corporation, Ronald C. Reed (1744 KB PDF)
• Cherry Creek Mortgage Company, Jeffrey S. May (111 KB PDF)
• Arhurst LLP, Joyce Gorman (5676 KB PDF)
• Morgan Stanley & Co. LLC, Stephen D'Antonio (11724 KB PDF)
• Genworth Mortgage Insurance, Kevin D. Schneider (9497 KB PDF)
• FICO, Mark R. Scadina (4430 KB PDF)
• American Securitization Forum, Tom Deutsch (499 KB PDF)
• National Association of Home Buildings, David L. Ledford (1589 KB PDF)
• Center for Responsible Lending, Mike Calhoun and Ellen Harnick (1114 KB PDF)
• Qualified Residential Mortgages (QRMs) (587 KB PDF)
• Quicken Loans Inc., William Emerson (1257 KB PDF)
• PlainsCapital Corporation and Prime Lending, Alan B. White and Todd Salmans (885 KB PDF)
• BlackRock, Inc., Barbara Novick (12958 KB PDF)
• Community Mortgage Banking Project, Glen S. Corso (1832 KB PDF)
• Center for Community Capital and University of North Carolina at Chapel Hill, Janneke H. Ratcliffe and Kevin A. Park (2281 KB PDF)
• Radian Group, Inc., Teresa Bryce Bazemore (1001 KB PDF)
• PMI Group, Inc.,, David H. Katkov (1656 KB PDF)
• Consumer Federation of America, Barry Zigas (15000 KB PDF)
• Mortgage Insurance Companies of America, S. Hutlins (1106 KB PDF)
• European Banking Federation, Guido Ravoet (10628 KB PDF)
• Consumer Mortgage Coalition, Anne C. Canfield (4043 KB PDF)
• Bank of America Corporation, Kenneth L. Miller (2271 KB PDF)
• Community Associations Institute, Thomas M. Skiba (1280 KB PDF)
• PHH Mortgage Corporation, Luke S. Hayden and Richard J. Bradfield (751 KB PDF)
• Mortgage Insurance Companies of America, Suzanne Hutchinson (10318 KB PDF)
• National Community Reinvestment Coalition, John Taylor (4749 KB PDF)
• National Association of Real Estate Investment Trusts, Tony M. Edwards (3081 KB PDF)
• Consumer Federation of America, Barry Zigas (4464 KB PDF)
• Brazos Higher Education Authority, Inc., Murray Watson, Jr. (1608 KB PDF)
• Real Estate and Real Estate Finance Industries (242 KB PDF)
• United States Senate, Senator Johnny Isakson (862 KB PDF)
• American Securitization Forum, Tom Deutsch (2392 KB PDF)
• Association for Financial Markets in Europe/European Securitisation Forum, Richard Hopkin (3627 KB PDF)
• American Bar Association, Jeffrey W. Rubin and Vicki O.Tucker (6298 KB PDF)
• American Securitization Forum, Tom Deutsch (513 KB PDF)
• United States Senate (567 KB PDF)
• American Bar Association, Catherine T. Dixon and Martin Fingerhut (999 KB PDF)
• Metropolitan Life Insurance Company, Jonathan L. Rosenthal (1205 KB PDF)
• Center for Responsible Lending, Martin Eakes, Antonio Gonzalez, Lisa Hasegawa, Wade Henderson, Marc Morial & Hilary O. Shelton (5318 KB PDF)
• Ashurst LLP, Margaret Sheehan and Joyce Gorman (5919 KB PDF)
• United States Senate, Senator Christopher Coons and Senator Mark Warner (594 KB PDF)
• Pentalpha Surveillance, LLC, Jim Callahan (765 KB PDF)
• Richard Hatton (3 KB PDF)
• Education Finance Council , Vince Sampson (956 KB PDF)
• Business Roundtable, Daniel S. Fulton (1308 KB PDF)
• American Securitization Forum , Tom Deutsch (1636 KB PDF)
• National Association of Federal Credit Unions and Federal Reserve Board Vice Chairman Janet Yellen, December 3, 2012 meeting (241 KB PDF)
• United States Senate, Senator Bob Corker (461 KB PDF)
• United States Senate, Senator Landrieu, Senator Isakson, and Senator Hagan (68 KB PDF)
• The Loan Syndications & Trading Association (LSTA), R. Bram Smith (14572 KB PDF)