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The Dodd-Frank Act: What the Experts Think it Means for Community Banking?
Webinar
2:30 PM CT
Presenter(s): Amy Avitable, Blair Rugh, Michael L. Stevens, Christopher Cole
Duration: 1 hour
Price: Complimentary
Attend free. Join our panel of experts for a lively discussion about some of the more significant implications and questions raised by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. We asked each of our panelists to tell us what most concerned them in this Act and these issues will form the basis of our discussion, including:
- How do bankers respond to the requirement that for all mortgage loans the lender must determine that the borrower can afford the loan payments over the term of the loan?
- How do we address some of the concerns raised about mortgage lending and the potential impact on availability of credit?
- How will a consumer financial protection agency in the current climate impact the industry and how it does business?
- What is the “non-doomsday” case for community banks and the Consumer Financial Protection Bureau (CFPB)?
- How does the Act reform the deposit insurance system and how will these reforms affect the way banks compute their FDIC assessments? Will these changes help community banks?
- Should banks be concerned about the new Office of Women and Minority Inclusion that will be established in each banking agency?
- What new restrictions will apply to transactions with insiders?
- With a significant roll back of federal preemption, how will the applicability and enforcement of state law play out?
BIO: Amy Avitable
Amy Avitable formerly served as Director of Compliance Services at Sheshunoff Consulting + Solutions . Amy has a Juris Doctorate from Washington University, and Master’s and Bachelor’s Degrees in Accounting from the University of Denver.
BIO: Blair Rugh
Blair Rugh is one of the preeminent experts on United States banking laws and regulations. He founded a widely used advisory service on domestic banking law and regulation and was the principal author of a compliance manual. He has extensive experience as a speaker to bankers associations and has written numerous articles published in banking journals.
While with Metavante (Kirchman) Mr. Rugh was responsible for defining all regulatory enhancements to the company’s core banking automation systems. He led a team of software designers and programmers to create all compliance related enhancements.
Mr. Rugh also has extensive experience in commercial real estate. During his tenure with Loeb he consulted extensively with financial institutions on the resolution of troubled commercial real estate secured loans and other real estate owned.
BIO: Michael L. Stevens
Mike serves as the Senior Vice President for Regulatory Policy at the Conference of State Bank Supervisors (CSBS). In this capacity, Mike represents the state banking system in the development of federal regulatory policy in the areas of consumer protection and safety and soundness. He is also responsible for any issues related to the coordination and cooperation between state and federal regulators. Mike serves as the staff director for the Regulatory Committee, State Federal Working Group, and the FFIEC’s State Liaison Committee. Current responsibilities are focused on the implementation of the Dodd-Frank Act and the establishment of the Financial Stability Oversight Council and Consumer Financial Protection Bureau. Prior to this position, Mike worked in all facets of CSBS’s Professional Development Division. He is a frequent instructor and speaker on bank examination, bank financial analysis and regulatory issues. Mike serves on the faculty of the Graduate School of Banking at Colorado and the Texas Tech Bank School. Prior to joining CSBS in 1999, Mike was a bank examiner for the Iowa Division of Banking for 11 years.
Mike is a graduate of the University of Nebraska at Omaha. He lives in Ashburn, Virginia with his wife, Becki, and two children.
BIO: Christopher Cole
Christopher Cole is currently Senior Vice President and Senior Regulatory Counsel of the Independent Community Bankers of America, focusing on deposit insurance issues, regulatory restructuring, safety and soundness issues, corporate governance issues, credit unions and capital requirements. Chris is ICBA’s staff liaison for the ICBA Regulatory Review Committee, the ICBA Mutual Bank Council, and the ICBA Large Community Bank Council.Previously, he served as Vice President and Assistant General Counsel with First Virginia Banks, Inc. which merged into BB&T. Prior to that, he served as counsel for the Marriott Corporation and as a Tax Attorney for the Department of Treasury.
Chris is quoted frequently in a number of publications including the Washington Post, the American Banker, and CBS Market Watch, and has appeared on PBS’ Nightly Business Report, and Bloomberg Television. Recently, his article entitled “Readying for Rulemaking” concerning the new rules under the Dodd-Frank Act appeared in the September issue of the Independent Banker.
He holds a J.D. from University of Virginia Law School and a Masters of Law in Taxation from Georgetown University. He is married with three children living in McLean, Virginia.
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