Our Mission The Consumer Bankers Association preserves and promotes the retail banking industry as it strives to fulfill the financial needs of the American consumer and small business.
Our Goals The Consumer Bankers Association will:
• Participate with our members via our Committees, the backbone of our organization. • Advocate on behalf of our members and their customers with regulatory agencies and federal legislators; serve as the industry’s definitive resource for CFPB engagement, analysis and insight. • Communicate broadly the vital services banks provide American consumers. • Educate the next generation of retail banking leaders.
The Consumer Bankers Association was founded in 1919 to support commercial banks in a new concept of making loans and deposit products accessible to every day Americans. Today, CBA is the only national financial trade association focused exclusively on retail banking – services geared toward consumers and small businesses. CBA provides leadership, education, and federal representation on regulatory and legislative issues, especially the CFPB.
CBA members include the nation’s largest bank holding companies as well as mid-tier, regional and super community banks. Our members are leaders in retail banking including auto finance, default management/collections, community reinvestment, deposits and payments, digital channels, fair and responsible banking, home equity lending, student lending and small business banking.
CBA’s leadership includes an active Board of Directors and Committee/Council structure. Each member is recognized by their peers as a leader in the industry.
1 Washington, D.C. is a city of divided government, with active regulators and policy makers across federal agencies and Congress. This is why America’s leading retail banks look to CBA for support as they navigate this time of unprecedented transformation driven by regulators, the courts, Congress, and the American consumer.
We provide our members with active, in-depth analysis on the breaking developments out of Washington to deliver the edge they need. No other trade association focuses solely on the retail banking space. CBA’s spotlight on these issues places us at the center of policy debates ranging from overdraft rulemaking, the CFPB’s consumer complaint database, to student lending. From small business banking to auto loans and the Community Reinvestment Act, we serve as your voice on Capitol Hill and in the halls of the federal government’s nancial industry regulators.
Our members are integral to the success of CBA and collectively control more than half of the total industry assets. They drive our 10 Committees, our educational programs and the premier annual retail banking conference, CBA LIVE. Our membership is comprised of the leaders in the retail banking industry and we extend our deepest gratitude to each member of our Board, our Councils, and our Committees for their commitment to CBA.
Since 1919, retail banking has charged CBA with being its voice in our nation’s capital. We encourage you to explore all we have to o er and tell us how we can continue to serve an industry which means so much to its employees and the American economy.
Thank you for your interest in CBA.
RICHARD HUNT TIMOTHY WENNES CBA President and CEO Chairman, CBA Board of Directors @cajunbanker West Coast President, Head of Retail Banking & Wealth Markets MUFG Union Bank, N.A. Los Angeles, CA
2 CBA Board of Directors
TIMOTHY WENNES (Chair) WILLIAM HOWLE (Chair Elect) ANDREW HARMENING (Past Chair) West Coast President, President of U.S. Retail Banking Group Senior Executive Vice President, Head of Retail Banking & Wealth Markets Citigroup Inc. Regional Banking Group Head MUFG Union Bank, N.A. New York, NY Bank of the West Los Angeles, CA San Francisco, CA
BOB KOTTLER (Counselor to the Board) MICHAEL AUST NANDITA BAKHSHI Executive Vice President, Executive Vice President, Executive Vice President, Director of Retail & Small Business Director of Retail Banking Head of Consumer Bank IBERIABANK Comerica Bank TD Bank New Orleans, LA Dallas, TX Cherry Hill, NJ
TODD BARNHART CHAD BORTON ROSS CAREY Executive Vice President, Executive Vice President, Executive Vice President, Divison Manager Head of Branch Banking Head of Consumer Bank U.S. Bank PNC Financial Services Group, Inc. Fifth Third Bank Salem, OR Pittsburgh, PA Cincinnati, OH
BRAD CONNER JEFF DENNES RICHARD GOLD Vice Chairman, Consumer Banking Chief Digital Banking Officer, Head of Business Vice Chairman and Chief Risk Officer Citizens Financial Group Development and Digital Transformation M & T Bank Corporation Providence, RI BBVA Compass Buffalo, NY Houston, TX
3 CBA Board of Directors
JEFFREY HOOPER KEN KIDO MICHELLE Y. LEE Executive Vice President, Executive Vice President, Local Distribution President, Community Banking National Consumer Lending Manager Capital One Financial Corporation for the Eastern Region SunTrust Banks, Inc. McLean, VA Wells Fargo Atlanta, GA Charlotte, NC
CHRISTOPHER McCOMISH NITIN MHATRE MARY NAVARRO Executive Vice President Executive Vice President, Senior Executive Vice President, Personal & Commercial Banking Consumer and Business Banking Retail & Business Banking Director BMO Harris Bank Webster Bank, N.A. Huntington Bancshares Incorporated Chicago, IL Cheshire, CT Columbus, OH
THONG NGUYEN JOHN OWEN MARK RENDULIC President, Retail Banking and Co-Head, Senior Executive Vice President, Executive Vice President, Consumer Banking Head of Business Groups Consumer Financial Services Bank of America Corporation Regions Financial Corporation First Niagara Bank, N.A. Charlotte, NC Birmingham, AL Buffalo, NY
BARRY SOMMERS CLARKE STARNES MARIA TEDESCO Chief Executive Officer, Consumer Banking Senior Executive Vice President Managing Director, Retail Banking Chase & Chief Risk Officer Santander Bank, N.A. New York, NY BB&T Corporation Boston, MA Winston-Salem, NC
4 CBA Councils
Education | Government Relations | Membership
The Education Council advises CBA on its educational mission and helps promote unique opportunities for emerging bank leaders, including the CBA Executive Banking School and CBA OnSite Education.
MARK RENDULIC, Chair Executive Vice President, Consumer Financial Services First Niagara Bank
STACY BYERS | Senior Vice President, Human Resources Advisor, CitiBank STACY FISHER | Senior Vice President, Community Banking Leadership Development, Wells Fargo Bank, N.A. JEFF HOOPER�| Executive Vice President, National Consumer Lending Manager, SunTrust PAUL LEVENTHAL | Executive Vice President, Enterprise Revenue Office, U.S. Bank MARY MORAND | Professor of Finance, Bishop’s University BARBARA ROEHM | Senior Vice President, Retail Training Director, PNC Bank, N.A. CLARKE STARNES | Senior Executive Vice President & Chief Risk Officer, BB&T Corporation
The Government Relations Council drives our advocacy efforts and sets our annual legislative and regulatory agenda.
ROSS CAREY, Chair Executive Vice President, Divison Manager U.S. Bank
MICHAEL AUST | Executive Vice President, Director, Retail Bank, Comerica JON BASS | Retail Lending Group Manager, Executive Vice President, BB&T Corporation LISA DACEY | Executive Vice President, Citigroup, Inc. PETE JONES | President, Mid-Atlantic Region, Wells Fargo and Company, Inc. CHARLES KIM | Executive Vice President and Chief Financial Officer, Commerce Bancshares, Inc. CLIFF MCCAULEY | Senior Executive Vice President, Frost Bank DAVE MILLER | Executive Vice President, Consumer Banking, First Tennessee Bank JOHN WARD | President, First American Bank
5 CBA Councils
Education | Government Relations | Membership
The Corporate Membership Council advises our team on how we can better serve our members and identifies potential areas of growth.
BRAD CONNER, Chair Vice Chairman, Consumer Banking, Citizens Financial Group
TODD BARNHART | Executive Vice President, Head of Branch Banking, PNC Financial Services Group, Inc. MARK ERHARDT | Senior Vice President, Retail Product Management, Fifth Third Bank BOB KOTTLER | Executive Vice President, Director, Retail & Small Business, IBERIABANK SHERIEF MELEIS | Managing Director, Novantas MARY NAVARRO | Senior Executive Vice President, Retail & Business Banking Director, Huntington Bancshares Incorporated
The Associate Membership Council, a newly created group, assists in expanding the association’s affiliation with current sponsors and longtime supporters, and is developing and identifying potential sponsor opportunities.
CHRIS McCOMISH, Co-Chair Executive Vice President, Personal & Commercial Banking BMO Harris Bank
MARK PREGMON, Co-Chair Executive Vice President, Commercial Lending Operations PNC Bank, N.A.
NANDITA BAKHSHI | Executive Vice President & Head of Consumer Bank, TD Bank
6 Mid-Tier Retail Executive Forum
The Mid-Tier Retail Executive Forum provides heads of retail a platform to share insight on legislative and regulatory issues and discuss operational and management strategies. This unique space for peer-to-peer networking, discussion and meetings with top regulatory and legislative influencers was specifically created for members with assets in the $10-50 Billion range.
BOB KOTTLER, Chair Executive Vice President, Director, Retail & Small Business IBERIABANK
PETER BIGGS | Vice Chairman & Chief Retail Officer, Bank of Hawaii JIM BROCKLEHURST | Executive Vice President, Retail, FirstMerit Corporation SCOTT FISHER | Managing Director of Retail Channels, First Niagara Bank KEN MEEK | Chief Product Office, State Farm Bank NITIN MHATRE | Executive Vice President of Consumer and Business Banking, Webster Bank DAVE MILLER | Executive Vice President, Consumer Banking, First Tennessee PAUL OLIVIER | Group Executive Vice President, Consumer Banking, Frost Bank JOHN PATAKY | Senior Vice President, Chief Operating Officer, EverBank Direct, EverBank DAVID STEIN | Executive Vice President, Head of Retail Banking, Associated Banc-Corp PAUL THOME | President, Sallie Mae Bank
7 Corporate Membership
The nation’s largest financial institutions as well as regional and online banks comprise CBA’s membership, with 75 percent of our members holding over $10 billion in assets. CBA stands apart from other bank trade associations by focusing on retail banking. CBA has provided insight and analysis, advocacy, education and networking opportunities to the industry for over 95 years.
Member Benefits
Insight and Analysis • CFPB Resource Center • Members-only calls on hot button issues • Weekly Report summarizing legislative and regulatory events • Weekly insider tip sheet for corporate communicators • Webinars on the latest industry trends • CBA SmartBrief – curated daily news
Advocacy • Legislative and regulatory expertise – strong relationships with the CFPB, Federal Reserve Board, the OCC, and the FDIC • Regulatory Comment Letters – more than 40 in 2014 • Involvement in litigation, as amici, supporting member issues – past issues include interchange, fair housing, arbitration, and truth in lending • Testifying before Congress • Congressional briefings • Fly-Ins for CBA Committees and the Board of Directors • “Day at the Bank” - Bringing legislators into banks within their districts
Professional Development • Committees, Councils, Forums, Subcommittees & Working Groups – the backbone of CBA • Educational opportunities for the next generation of banking leaders • CBA LIVE – our annual conference offering more than 90 hours of in-depth content on regulations and industry trends • Network with your peers and top-tier industry executives
8 Associate Membership
CBA’s associate members are the premier suppliers and providers of goods and services to the retail banking industry. CBA’s goal is to strengthen your connection with existing and prospective clients while giving you the opportunity to promote your brand and keep abreast of the latest news in retail banking. Associate members enjoy a range of benefits:
• Exclusive access at our annual industry event, CBA LIVE • Committee and Board meeting sponsorships • Access to CBA membership mailing lists • Publications including CBA’s Weekly Report and CBA SmartBrief • Members-only briefings on regulatory developments • Opportunity to host a webinar in conjunction with CBA • Sponsorship opportunities at the CBA Executive Banking School • Exposure on CBA’s website • Special discounts and referral rewards
Our associate members have more options than ever before. Year-round packages are available at a variety of levels. CBA will tailor a unique package to reach your current and prospective clients, providing access to the executives you need to network with to grow your business.
CBA Premier Sponsors
9 Committees
CBA's Committees guide our mission and serve as the foundation for every CBA program from advocacy efforts to our annual industry event, CBA LIVE. Our 10 standing Committees are comprised of the top executives from member banks with expertise in each segment of retail banking: auto finance, CFPB, community reinvestment, deposits and payments, default management, digital channels, education funding, fair and responsible banking, home equity lending and small business banking. CBA is also developing initiatives focused on risk, wealth management and marketing and communications.
Committee participation provides unparalleled opportunities for bankers to connect and problem-solve with their peers. Visit www.consumerbankers.com to learn more.
Facts & Figures
• CBA currently has 360 active members serving on CBA’s 10 primary Committees and 305 members serving on Subcommittees, Working Groups and Councils. • Committees meet 10 times per year by phone and twice a year in person. • Committees annually develop their own missions and goals. • Each Committee creates eight hours of forum programming at CBA LIVE. • Committees help shape CBA’s responses to regulators and lawmakers on key issues and concerns.
10 AUTOMOBILE FINANCE COMMITTEE
The Automobile Finance Committee brings indirect auto lenders together to facilitate open forums on emerging industry trends, best practices, and regulatory change in service of consumers. The Committee promotes comprehensive understanding, assembles best thinking and delivers information and education to industry stakeholders and legislators through industry events, communications, organized meetings and conferences.
THOMAS WIRTH (Vice Chair) DAVID HOLLODICK CAROLE MERCHANT U.S. Bancorp Bank of America, N.A. Bank of the West
JERRY BOWEN WILLIAM JENSEN JAMES MONIZ Wells Fargo and Company, Inc. Chase Bank of Hawaii
JONATHAN W. CHASE CHARLES JONES RICHARD PORRELLO Five Star Bank SunTrust Bank Huntington Bank
BRENDAN COUGHLIN GINA JORDAN CRAIG STICKNEY Citizens Financial Group USAA Federal Savings Bank First Niagara Bank, N.A.
MICHAEL DRURY SHAYAN KHWAJA KEVIN TRAINOR M & T Bank BBVA Compass Independent Bank
JEFFREY TURLEY ERIC EARVIN PETER KIDD ROCKY WALDROP Chair FirstMerit Bank Fifth Third Bank SunTrust Bank President, PNC Dealer Finance PNC Bank, N.A. BRIAN FOX DEREK LANE HOLLY WALTERS Pittsburgh, PA BMO Harris Bank BB&T Dealer Financial Services Toyota Federal Savings Bank
ROBERT GRIFFIN THOMAS LAZENBY PAUL WIBLE Commerce Bank, N.A. Regions Financial Corporation Bank of the West
TRIP HALL DAWN MARTIN HARP MARC WOMACK Capital One Auto Finance Wells Fargo Dealer Services TD Auto Finance
CFPB COMMITTEE
The mission of CBA’s CFPB Committee is to anticipate and get ahead of any CFPB-related problems that arise, and to respond to new issues rapidly and constructively. To the extent issues are within the purview of other CBA Committees, the CFPB Committee will actively involve those groups or refer matters, as appropriate. The CFPB Committee works closely with the CBA Government Relations Council and assists the CBA team in providing regular reports on CFPB issues to the CBA Board.
CINDY REEVES (Vice Chair) Comerica PNC Frost Bank Commerce Bank Popular, Inc. Discover Rabobank 1st Financial Bank EverBank Regions American Express Fifth Third Bank Rockland Trust Associated Banc-Corp First American Sallie Mae BancFirst First Commonwealth San Antonio Credit Union Bank of America, N.A. First Horizon Santander Bank of Hawaii FirstMerit State Farm Bank Bank of North Carolina First Niagara SunTrust Bank of the West Frost Bank Synchrony Financial BB&T Green Dot Bank Texas Dow Employees Credit Union CASSI CHANDLER (Chair) BBVA Compass HSBC Toyota Financial Savings Bank Senior Vice President, BMO Harris Bank Huntington U.S. Bank Data & Predictive Analytics Planning Capital One International Bank of Commerce USAA Federal Savings Bank Executive, Consumer Operations Charles Schwab IBERIABANK Webster Bank Bank of America Chase KeyBank Wells Fargo & Company, Inc. Charlotte, NC Citigroup, Inc. M&T WesBanco Citizens Financial Group MUFG Union Bank, N.A.
11 COMMUNITY REINVESTMENT COMMITTEE
CBA’s Community Reinvestment Committee is the leading industry voice on community development and CRA policy. Through ongoing dialogue with regulators, legislators and community groups, the Committee participates in federal policy and priority developments and provides the industry perspective to assist in identifying the impact of proposed reforms and to provide strategic direction on emerging issues that a ect low and moderate income communities and individuals.
JAMES MATTHEWS (Vice Chair) ANGELA HUDSON JULIUS ROBINSON Capital One Financial Corporation SunTrust Banks, Inc. MUFG Union Bank, N.A.
REZA AGHAMIRZADEH SHARON JEFFRIES-JONES PATRICIA SAMPSON Citizens Financial Group, Incorporated BB&T Corporation American Express
NORMAN BLISS ROBERT MANUEL NANCY SEAWAHL KeyCorp Wells Fargo & Company, Inc. Bank of Hawaii
YVONNE BLUMENTHAL CHARLES MAPSON TISH SECREST U.S. Bank USAA Federal Savings Bank Bank of America, N.A.
LLOYD BROWN CHRISTINE McGILLIS CAMINO SMITH Citigroup, Inc. BBVA Compass Fifth Third Bank
DOUGLAS CRAYCRAFT CATHY NIEDERBERGER ELIZABETH TROTTER Chase PNC Bank, N.A. IBERIABANK
JON DAVIES DONNA NORMANDIN GWEN WASHINGTON Regions Bank Frost Bank Associated Banc-Corp JAN WOOLSEY Chair BRADLEY DOSSIGNER REYMUNDO OCANAS SUSAN WHITSON Senior Vice President, Manager, M&T Bank BBVA Compass BMO Harris Bank CRA Strategy and Operations MUFG Union Bank, N.A. BARBARA GAGNE RUTH OWEN LELA WINGARD-HUGHES San Francisco, CA TD Bank EverBank Chase
STACI GLENN SHORT MARICEL QUIAMJOT KATHLEEN RIZZO YOUNG Huntington Bancshares Incorporated Toyota Financial Savings Bank HSBC USA Incorporated
AMY HOWCROFT GWEN ROBINSON PNC Financial Services Group, Inc. Santander Bank
DEFAULT MANAGEMENT COMMITTEE
The mission of CBA’s Default Management Committee is to focus on education, legislative and regulatory issues and benchmarking for consumer, mortgage and small business default within banks. This Committee is committed to providing members with an appropriate open forum to discuss best practices and emerging trends, o er networking opportunities and advocate to both Congress and industry regulators.
TOM FOWLER (Vice Chair) JILL BECKETT HOPKINS CHARLES TUGGLE SunTrust Bank IBERIABANK U.S. Bank
STEVEN BOZARTH CHAD KILBY GARY URSCHLER KeyCorp State Farm Bank PNC Bank, N.A.
GLENN BRUNKER RICHARD LEITHESIER JACOB VANBRANDWIJK Fifth Third Bank BMO Harris Bank U.S. Bank
SCOTT COLLIER GLENN MEADOWS DIANNE WALKER BB&T Corporation Regions Bank First Tennessee Bank, N.A.
JOHN CRANDALL ANTHONY MIGLIACCIO LEILANI WILLIAMS-SOLOMON Associated Banc-Corp American Express Bank of Hawaii LARRY TEWELL (Chair) MICHAEL DALTON DAVID MOORE TROY WITHERS Senior Vice President Bank of America, N.A. International Bank of Commerce USAA Federal Savings Bank Wells Fargo Bank, N.A. Salt Lake City, UT DAVID DESANTIS DAVE MORTENSON KENNETH WOJCIK First Niagara Bank, N.A. Huntington Bank Synchrony Financial
BILL DUFFY JAMES MURRAY Citigroup, Inc. FirstMerit Bank
MICHAEL GROSSBERG MICHAEL RYAN PNC Bank, N.A. M & T Bank
12 DEPOSITS AND PAYMENTS COMMITTEE
CBA’s Deposits Committee focuses on education, legislative and regulatory issues as well as benchmarking for consumer deposits and related payments systems within banks. The Committee provides members with an open forum to discuss best practices, emerging trends, networking and advocacy opportunities in the federal legislative and regulatory environment.
MICHAEL YOUNG (Vice Chair) THOMAS HOSCHEIDT BRIAN PRIDGEN EverBank BAI BB&T Corporation
RYAN BAILEY BRYAN LEAVER JACQUELINE QUELLA TD Bank State Farm Bank Charles Schwab Bank
TONY BAUMGARDT JOSEPH LOMBARDO FRANCISCO ROBELO Associated Bank N.A. M & T Bank Corporation USAA Federal Savings Bank
TOM BROOKS EUGENE LUCCI JOHN ROSENFELD Regions Financial Corporation FirstMerit Corporation Citizens Financial Group, Incorporated
JANICE BUDNIK JANE LUNDQUIST JASON RUDMAN United Bank Rockland Trust Company KeyBank, N.A.
BRYAN CARSON MAHA MADAIN PATRICK SCOTTO DI LUZIO Huntington Bancshares Incorporated MUFG Union Bank, N.A. BMO Harris Bank
KEVIN CONDON ALI MAHER VALERIE SLAVEN Bank of America, N.A. SunTrust Bank WesBanco Bank, Inc. MATTHEW WIND (Chair) Senior Vice President, DANIEL DENT CHRISTY MERECKA BECKY SPINNATO Retail Product Management First Tennessee Bank, N.A. Frost Bank IBERIABANK Comerica Incorporated Auburn Hills, MI JILL ENABNIT KEVIN MILLER THOMAS STANMEYER U.S. Bank Santander Bank, N.A. Capital One Bank
MARK ERHARDT KAREN MOORE CARRIE STAPP Fifth Third Bank Wells Fargo & Company, Inc. MainSource Financial Group, Inc.
FERGAL FINNAN JUSTIN MORCELLE PAUL VANDEN HEUVEL First Commonwealth Bank First Niagara Financial Group BBVA Compass
DEBBIE GABOR ALAN NEWSTEAD DESIREE WOLFE Citigroup, Inc. Bank of the West Webster Bank, N.A.
LEWIS GOODWIN DAVID OYADOMARI Green Dot Bank Bank of Hawaii
GABRIELA HOLLOWAY DAWN PRICE International Bank of Commerce PNC Financial Services Group, Inc.
DIGITAL CHANNELS COMMITTEE
CBA’s Digital Channels Committee focuses on mobile payments, social media and related issues. The committee provides a forum to discuss challenges and share best practices, while addressing relevant legislative and regulatory issues.
ANDREA BJORKMAN (Vice Chair) THOMAS HANCOCK KEVIN MULLINS State Farm Bank Bank of America, N.A. International Bank of Commerce
MANUEL BALDASANO DENISE HENN ARTURO PEREZ Santander Bank, N.A. PNC Financial Services Group, Inc. Citizens Financial Group
JULIE BATEMAN BILL HERMANN JASON PLOTNER BB&T Corporation Huntington Bank WesBanco Bank, Inc.
MICHAEL BERNARD ANDREW HOVET ANDREW SANER Webster Bank, N.A. IBERIABANK MainSource Financial Group, Inc.
PAUL CHARTRAND JASON KAMMER JUAN SILVERA Rabobank Fifth Third Bank MUFG Union Bank, N.A. ALEX JIMENEZ (Chair) Senior Vice President & Director, JAY CLARK ALON KUPFERMAN JENNIFER WILSON Digital Channel Management First Niagara Bank, N.A. M & T Bank BBVA Compass Rockland Trust Company Rockland, MA MICHAEL COOK MATT LEHMAN JOSHUA WINSTEAD Synchrony Financial KeyBank, N.A. EverBank
SUSAN DEPREE MARY KATE LOFTUS ANDRES WOLBERG-STOK First Tennessee Bank, N.A. HSBC USA Citigroup, Inc.
LAUREN GOLDEN DAN MASSEY Bank of the West SunTrust Banks, Inc. 13 EDUCATION FUNDING COMMITTEE
This committee serves as the primary industry voice for for-pro t student loan lenders through the exchange of ideas among members, by promoting sound regulation of the student loan marketplace through ongoing dialogue with state and federal policymakers and regulators, and by advocating for the highest possible level of ethics in the marketplace.
THOMAS LUSTIG (Vice Chair) MARK SMITH PNC Bank, N.A. SunTrust Bank
LAURA CONDER JOHN VIDOVICH Chase Discover Financial Services, Inc.
MICHAEL MCFARLANE SUSAN WELSH Citizens Financial Group Bank of America, N.A.
DANIEL MEYERS PAUL WOZNIAK TOM LEVANDOWSKI (Chair) First Marblehead Corporation College Loan Corporation Senior Company Counsel Wells Fargo and Company, Inc. CHARLIE ROCHA Saint Paul, MN Sallie Mae
FAIR AND RESPONSIBLE BANKING COMMITTEE
CBA’s Fair and Responsible Banking Committee supports fair and responsible lending principles, opposes discrimination in the provision of retail nancial services, and works to ensure consumer protections laws are strong, e ective, and manageable for compliance operations.
STACI GLENN SHORT (Vice Chair) LORRAINE FAUST BEVERLY REYNOLDS Huntington Bancshares Incorporated IBERIABANK U.S. Bank
MICHAELA ALBON PATRICIA HARTSFIELD-DAVIS JAMES RILEY EverBank Fifth Third Bank HSBC USA Incorporated
KAREN BARNES STEPHEN HICKS MARK SCHULTZ Discover Financial Services, Inc. Bank of America, N.A. Capital One Bank
BRAD BLOWER RICK JACHIMIAK KENNETH SCOTT American Express Company M & T Bank Citigroup Inc.
MARK BROWN JEFFREY JAFFEE CHRISTINA SPEH Five Star Bank Bank of the West TD Bank
KAREN CULLEN TOM LOVEDAY CATHERINE TOTH Associated Banc-Corp Charles Schwab Bank KeyBank, N.A. LYNN WOOSLEY (Chair) Senior Vice President, UYLONDA CUNNINGHAM AMY PREBLE GARY WASHINGTON Fair and Responsible Banking First Horizon National Corporation Santander Bank, N.A. PNC Financial Services Group, Inc. Compliance Officer SunTrust Banks, Inc. MARK DESAUTELS MARICEL QUIAMJOT SEAN WEINER Atlanta, GA BB&T Corporation Toyota Financial Savings Bank USAA Federal Savings Bank
DIANA DIPRONIO RUTHANN REDMON CECIL WILLIAMS MUFG Union Bank, N.A. BBVA Compass Regions Financial Corporation
IRENE FANG KENNETH RICKS JILL WURZBURG Wells Fargo and Company, Inc. Synchrony Financial FirstMerit Bank
14 HOME EQUITY LENDING COMMITTEE
CBA’s Home Equity Lending Committee promotes education and the exchange of information regarding responsible home equity lending. The Committee is committed to providing our members with a forum to learn from industry leaders, discuss legislative issues, share best practices, and understand emerging trends and networking.
LOGAN PICHEL (Vice Chair) EDWARD KIM JAY PLUM Regions Financial Corporation Bank of Hawaii Huntington Bank
JEFFREY ABRAHAMS KELLY KOCKOS MATTHEW POTERE Bank of the West Wells Fargo and Company, Inc. Bank of America Corporation
BETH ADAMS JASON KOONIN HARP RANA Comerica Bank BB&T Corporation Citigroup Inc.
SEAN ANDREWS JEANNE LAPAK ROBERT ROELIKE PNC Bank, N.A. Santander Bank, N.A. U.S. Bancorp
JUSTIN BIGHAM JAMES MANELIS AMY SHREVE First Niagara Bank, N.A. Chase First Tennessee Bank, N.A.
PAMELA DRESSELHOUSE J. GUILLERMO MARTINEZ SETH WALLER Citizens Financial Group, Incorporated BBVA Compass EverBank NANCY G. ELKUS (Chair) Vice President, TOM HARMS DONALD MCCLINTIC DUSTIN WELLS Senior Consumer Lending State Farm Bank SunTrust Bank International Bank of Commerce Product Manager Fifth Third Bank JAROD HASLINGER BRIAN MILTON CARLOS ZUNIGA Cincinnati, OH M & T Bank MUFG Union Bank, N.A. USAA Federal Savings Bank
RICHARD HUARD ROBERT MOLTER TD Bank MainSource Bank
KUNAL KAUL CRAIG PEAK Capital One Bank IBERIABANK
SMALL BUSINESS BANKING COMMITTEE
CBA’s Small Business Banking Committee focuses on education, legislation and benchmarking for small business lending. This Committee is dedicated to taking a leadership role in providing CBA members with networking opportunities and an appropriate open forum for discussing best practices and emerging trends.
TODD HOLLANDER (Vice Chair) GARY GAVEGAN QUINCY MILLER MUFG Union Bank, N.A. Frost Bank Citizens Financial Group
ERIC BABBERT JOHN GOLDING JOANNA NIFONG WesBanco Bank, Inc. First Niagara Financial Group BB&T Corporation
GEORGE BUCHANAN LONNIE HAYES RONALD PAYDO Regions Financial Corporation BBVA Compass FirstMerit Corporation
MELINDA CHAUSSE DANNY HEBERT MATHEW RATHBUN Comerica Incorporated Capital One Financial Corporation BMO Harris Bank
KENNETH CONNELL NEIL HOSTY ALICE RODRIGUEZ Huntington Bancshares Incorporated M & T Bank Corporation Chase DOUGLAS BLAND (Chair) Business Lending Product MICHELLE DI GANGI TONY KING RAVI SUBBARAYA & Credit Strategy Executive Bank of the West IBERIABANK TD Bank Bank of America Corporation Wilmington, DE TIMOTHY DIXON ROBERT KLEIBER WILLIAM THOMPSON FirstMerit Bank Citigroup, Inc. United Bank
GAIL GANDY MARK LUPPI BRIAN WARD Wells Fargo & Company, Inc. HSBC USA Incorporated MainSource Financial Group, Inc.
15 Advocacy
CBA is your voice in the nation’s capital. Through our meetings, comment letters, testimony, and issues briefings, we educate policymakers to affect real change.
CBA works closely with Congress, the CFPB, and other stakeholders to preserve and promote the retail banking industry. We also engage prudential federal regulators on important issues for our membership. Our goals include improving the governance of the CFPB by advocating for a commission to replace the sole director, effectively representing the industry before the CFPB and prudential regulators, and working with Congress on legislation to promote a healthy banking industry which can serve the needs of consumers and small businesses nationwide.
A few of our accomplishments in 2014 include:
• CFPB streamlined its supervisory process and took other steps to speed up the exam process, due in part to strong advocacy from CBA criticizing delays in the issuance of final reports, slowing the ability of banks to make beneficial changes in consumer compliance.
• CFPB withdrew its draft “portal agreements” for the consumer response portal from consideration, after CBA and others argued that it raised a number of significant problems and served no useful purpose.
• CBA influenced important changes to the Homeowner Flood Insurance Affordability Act, which was signed into law on March 21, 2014, by successfully advocating for a favorable modification to the new escrow requirements.
16 CFPB
CBA is your definitive source for insight and analysis on the Consumer Financial Protection Bureau. We have been actively engaged with the CFPB at all levels since its inception. We meet regularly with senior members of the Bureau, host CFPB speakers at CBA LIVE and Committee meetings, and benefit from an active dialogue across a range of issues:
• Arbitration • HMDA • Bureau Structure and Leadership • Innovation • Consumer Response Portal • Mortgage rulemaking • Credit Cards • Overdraft • Debt Collection • Prepaid Cards • Deposit Products • Remittances • Enforcement • Small business data • Examination • Student Lending • Fair Credit Reporting • TILA-RESPA • Fair Lending • UDAAP • Financial Literacy
CBA addresses many other issues important to our members, including:
• Bankruptcy • Community Reinvestment • Data Security • Diversity (OMWI) • Fair Housing • Financial Literacy • Flood Hazard Protection • Interchange regulation • Military Loan Act • Privacy • Servicemembers Civil Relief Act • Telephone Consumer Protection Act • Private Student Lending
17 CBA Executive Banking School
Personal Engagement | Practical Experience | Proven Results
The CBA Executive Banking School equips rising stars at your bank with the vital skills and perspective to successfully navigate the complexities of the retail banking industry.
We provide a rigorous, boutique education for ambitious bank officers by immersing them in real world scenarios experienced daily by retail banks. Students participate in one-of-a-kind simulation exercises that challenge them to run both the consumer business of a bank and the bank as a whole. Instructors engage students in competitive, hands-on drills that help reveal the core principles of successful bank leadership.
Ours is the only program in the nation that will arm your high performing managers with the comprehensive, holistic perspective of retail banking required to lead and evolve effectively with industry shifts. Students graduate with a deep understanding of how various segments of banking are interrelated.
18 CBA OnSite Education
CBA makes available three components of our renowned educational curriculum available right in your bank.
Choose any course | Customize to fit your bank | Small group format
Our three-day programs are delivered by a team of experts who translate materials into real-world situations using hands-on application, teamwork and team development. Participants will walk away as better bankers!
Retail Bank MarketSim • One-of-a-kind replica of a retail bank marketplace. • Deepen your understanding of the risk/reward trade-offs in developing a retail strategy. • Learn how to integrate customer segmentation, product offerings, pricing, delivery channels, marketing and branding.
BankCom • Big-Picture, overall bank simulation. • Discover all-important risk management considerations through the principals of economic value. • Learn to weigh complex strategic decisions for the bank against risk ramifications and analyst reactions to maximize shareholder value.
Banking Basics • The fundamentals on how a bank makes money. • Understand the parameters of regulatory controls, economic circumstances, competitive influences and risk limitations.
19 CBA LIVE is the must-attend annual industry event for leaders in retail banking. Our programming is customized for banking professionals across nine areas of retail bank- ing.
Join us at CBA LIVE where you can:
• Gain insight and analysis on the latest retail banking regulations. • Learn from visionary speakers and industry leaders. • Network with the top executives in retail banking. • Participate in intimate roundtable discussions with your peers. • Visit our exhibit hall and connect with valued industry partners.
2014 BANKER ATTENDEE ANALYSIS 9.28 2.06
8.25 President/CEO/Chairman EVP/SVP 8.25 42.27 VP/AVP COO/CMO 5.15 Counsel/Compliance 1.03 Director Manager 23.71 Other
20 The CBA Foundation is dedicated to highlighting and raising awareness of the vital services our member banks provide the American consumer. We aim to promote and support programs that are:
• Impactful • Innovative • Sustainable • Collaborative and • Replicable
The Joe Belew Award was established to honor the life and legacy of Joe Belew, former President of CBA, for his commitment and contribution to community development. The award encourages and recognizes the efforts of CBA member banks whose innovative solutions address pressing social issues.
The focus of the Award changes annually, with past honors highlighting low- and moderate-income housing programs, job creation, and programs supporting veterans, servicemembers and their families. The 2015 Joe Belew Award will recognize the CBA member bank with the most innovative financial education program.
21 The Consumer Bankers Association Political Action Committee (CBA-PAC) is a voluntary, non-partisan committee established to raise funds for the campaigns of members of the U.S. Senate and House of Representatives. CBA-PAC is a vital tool for educating Members of Congress about the concerns and interests of the retail banking industry as we strive to fulfill the financial needs of the American consumer and small business.
Your Voice on Capitol Hill
The retail banking industry continues to be challenged with unprecedented issues that will have a profound effect on how we do business in the future. These recent changes have made it more important than ever to support candidates who will advocate on our behalf and help preserve our industry in this new environment. The Consumer Bankers Association Political Action Committee (CBA-PAC) is a voluntary, non-partisan committee established to raise funds for the campaigns of members of the U.S. Senate and House of Representatives. CBA-PAC is a vital tool for educating Members of Congress about the concerns and interests of the retail banking industry as we strive to fulfill the financial needs of the American consumer.
Where does my contribution go? CBA's PAC money goes towards educating policymakers, promoting our advocacy efforts and supporting those Members of Congress who understand the importance of a healthy, vigorous, and robust financial services industry. Federal election laws prohibit corporations from contributing directly to a candidate; therefore, PAC dollars are a critical source of funding for candidates.
How does CBA-PAC decide which candidates to support? 100% of every contribution supports candidates from both political parties who care about strong, competitive financial markets. Worthy candidates are selected through strict review of their:
• Alignment with CBA's legislative agenda and priorities• Members-only calls on hot button issues • Platform and voting records on issues important to the industry • Leadership on key committees of importance to the industry
22 Stay Connected
Through constant communications with our members, we provide direct access to information you need to be up to date on breaking news and issues coming out of Washington, D.C.
In addition to insight from monthly committee meetings, CBA members receive real-time industry analysis through exclusive publications, including CBA SmartBrief, weekly newsletter, hearing summaries, and email alerts, as well as member-only calls to brief you on issues of importance. Consumerbankers.com is a robust resource for legislative and regulatory activity, as well as a repository of CBA’s press releases and press coverage on behalf of the industry.
Follow CBA on Twitter @ConsumerBankers and, Richard Hunt @cajunbanker, or join us on Facebook or LinkedIn.
23 Team CBA
RICHARD HUNT ANNA BARTLETT WRIGHT MIKE ALLEN President, Chief Executive Officer Government Relations Coordinator Vice President, CBA OnSite Education (202) 552-6382 (202) 552-6393 (202) 552-6388 [email protected] [email protected] [email protected]
JANET PIKE RYAN BLAKE HOLLY BRALY Executive Assistant to the Government Relations Assistant Assistant Vice President, CBA Executive President & CEO (202) 552-6386 Banking School (202) 552-6382 [email protected] (202) 552-6387 [email protected] [email protected] Membership Government Relations MELANIE DUFFY ELIZABETH TERRY Education Coordinator STEVEN ZEISEL Assistant Vice President, (202) 552-6373 General Counsel, Membership & Corporate Philanthropy [email protected] Executive Vice President (202) 552-6376 (202) 552-6363 [email protected] Communications & Marketing [email protected] CASEY DUNFEY JEAN MARIE BUNTON REAGAN ANDERSON Manager of Member Relations Senior Vice President, Senior Vice President, (202) 552-6377 Communications & Marketing Congressional Affairs [email protected] (202) 552-6370 (202) 552-6364 [email protected] [email protected] Events ANGIE BERKEY KRISTEN FALLON JOANNA BEAVER, CMP Marketing & Communications Manager Vice President, Congressional Affairs Vice President, Meetings (202) 552-6369 (202) 552-5667 (202) 552-6361 [email protected] [email protected] [email protected] Media Relations TIFFANY HAAS ERIN SNYDER Vice President, Congressional Affairs Assistant Vice President, Exhibits & MAGGIE SEIDEL (202) 552-6362 Sponsorships Assistant Vice President, [email protected] (202) 552-6374 Media Relations & Communications [email protected] (202) 552-6371 DAVID R. POMMEREHN [email protected] Vice President, Senior Counsel MAREN COLON (202) 552-6368 Exhibits & Sponsorship Coordinator Administration [email protected] (202) 552-6394 [email protected] MICHELLE AUGHINBAUGH DONG HONG Senior Vice President, Vice President, Regulatory Counsel TAMMY MORGAN Chief Administrative Officer (202) 552-6360 Conference Registrar/Database Manager (202) 552-6399 [email protected] (202) 552-6375 [email protected] [email protected] KATE LARSON DANNI LU Regulatory Counsel Education Assistant Vice President, Finance 202-552-6366 (202) 552-6378 [email protected] MELISSA CABOCEL [email protected] Senior Vice President of Education, BILL HULSE Director of CBA Executive Banking MITSLAL GIRMAY Policy Aide School Staff Accountant (202) 552-6365 (202) 552-6372 (202) 552-6379 [email protected] [email protected] [email protected]
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April 2015