September 2000

Community Investments - Volume 11, Issue 2

On September 7th, 2000, the Federal Reserve Bank of San Francisco held a public hearing on the HOEPA, capping a series of public hearings sponsored by the Federal Reserve Board at branches across the country. The hearings provided an opportunity to gather information and hear perspectives about predatory lending from financial institutions, consumer groups, community advocates and researchers. Public testimony helps personalize the issues and provides concrete examples of consumers’ experiences. These hearings were intended to help regulators better understand what regulatory changes might be most effective in ending predatory lending, and how these changes might impact the availability and cost of credit.

The views expressed are not necessarily those of the Federal Reserve Bank of San Francisco or of the Federal Reserve System. Material herein may be reprinted or abstracted provided Community Investments is credited. Please provide our Community Development Department with a copy of any publication in which material is reprinted.

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Table of Contents

Editor’s Notebook
Joy Hoffmann Molloy

Financing Childcare: Innovative Approaches
Jodi Nishioka

Using CDFIs to Reach the Unbanked
John Olson

2000 Conference Roundtable Q&A

The Clock Is Ticking On Privacy
Paul Dillard

Gramm-Leach-Bliley Act of 1999 Web Addresses

District Update
Craig Nolte

District Bulletin

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Table of Contents