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Board of Governors of the Federal Reserve System
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Hearings under the Home Ownership and Equity Protection Act (HOEPA)

Public Hearing on Home Equity Lending

Thursday, September 7, 2000

Federal Reserve Bank of San Francisco,
San Francisco, Calif.

Full Transcript

Morning Session


Edward M. Gramlich, Board of Governors of the Federal Reserve System, Chairman of the Federal Reserve Board's Committee on Consumer and Community Affairs
For the Division of Consumer and Community Affairs, Federal Reserve Board, Washington, D.C.:
Dolores S. Smith, Director, (Moderator, afternoon session)
Glenn E. Loney, Deputy Director, (Moderator, morning session)
James A. Michaels, Esq., Managing Counsel
Jane E. Ahrens, Esq., Senior Counsel
Sandra Braunstein, Assistant Director and Community Affairs Officer (Afternoon session)
For the Federal Reserve Bank of San Francisco:
Joy Hoffman Molloy, Director, Community Affairs and Public Information, Federal Reserve Bank, San Francisco


Panel No. 1
Peggy L. Twohig, Assistant Director, Division of Financial Practices, Bureau of Consumer Protection, Federal Trade Commission
Elena Delgado, President, Irwin Home Equity Corporation
Robert Gnaizda, Policy Director & General Counsel, The Greenlining Institute
Ann Carlton Bose, President, Estate Funding, Inc.
Mary Lee Widener, Chief Executive Officer, Neighborhood Housing Services of America, Inc.
David H. Sands, Partner, Troop Steuber Pasich Reddick & Tobey, LLP Norma P. Garcia, Senior Attorney, Consumers Union
Sandor E. Samuels, Managing Director, Legal General Counsel & Secretary, Countrywide Home Loans, Inc.
John L. Bley, Director, Department of Financial Institutions, State of Washington
Daniel J. Mulligan, Partner, Jenkins & Mulligan
Michael A. Rankins, Partner, Jenkins & Mulligan
John A. Courson, President & CEO, Central Pacific Mortgage Company

Afternoon Session

Panel No. 2
Alan Fisher, Executive Director, California Reinvestment Committee
Francine McKinney, President, Home Buyer Assistance Center
Chester Carl, Chairman, Board of Directors, National American Indian Housing Council
Chris Lamberti, Board of Directors, American Association of Retired Persons
Steven Hornburg, Executive Director, Research Institute for Housing America

Last update: February 14, 2002