Member institutions are the leaders in
consumer financial services, including auto finance, home equity lending, card
products, education loans, small business services, community development,
investments , deposits and delivery.

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com/reports/c17031 ) has announced the addition
of Securities Regulators to their offering. It covers organizations with regulatory
responsibilities, whether primary or secondary , for the securities sector on
both national and international levels.

For more information visit
http://www.com/reports/c17031

Laura Wood
Senior Manager
Research and Markets
press@researchandmarkets.

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Research and Markets: Unique Insight Into the Regulation of Securities Market

federalreserve.pdf )
"As noted by banking regulators in today's release , 'the HMDA data do not
include certain determinants of credit risk that some lenders consider in
pricing mortgage loan products, such as the borrower's credit history, loan-
to-property-value ratio, and consumer debt-to-income ratio.

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CBA was founded in 1919 and provides leadership, education , research and
federal representation on retail banking issues such as privacy, fair lending,
and consumer protection legislation/regulation.

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" (The analysis, published in the Summer
Federal Reserve Bulletin, is available at:
http://www.

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Statement by CBA President on HMDA Data Release

It is also clear that
regulators have the necessary tools and determination to gather additional
information from lenders' mortgage files to ensure that no illegal
discrimination is occurring.

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(Logo: http://www.

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Invaluable data provided for each institution include:

- Scope of Regulation
- Legal Basis
- Financing
- Key Personnel and Organizational Structure
- History
- Current Regulatory Developments
- Regulatory Objectives
- Activities and Implementation
- Measures to Ensure Compliance
- Accountability
- Complaints and Redress
- Relationships with other Regulatory Bodies
- Principal Publications

The information provided for each regulatory body has been reviewed by a
leading law firm in each jurisdiction.

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com/cgi-bin/prnh/20040820/RESEARCH )
Rapid growth in financial services regulation in many countries has led to
demand for high quality data about agencies and institutions involved in
national and international regulation of securities markets .

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ARLINGTON, Va.gov/pubs/bulletin/2005/3-05hmda. Conclusions from
the HMDA data alone, therefore, run the risk of being unsound, which in turn
may reduce the data's effectiveness in promoting HMDA's objectives.

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This major new
publication provides detailed, consistently presented information for some
400 institutions globally., Consumer Bankers Association
President Joe Belew released the following statement today on the release by
federal banking agencies of 2004 Home Mortgage Disclosure Act (HMDA) data and
analysis:

"The Federal Reserve's analysis illustrates the complications of pricing
factors that are the nature of mortgage lending; as a result, one borrower may
pay a different price than another.

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'
"Those objectives, fully supported by CBA members and other lenders, are
to expand access to mortgage credit to all segments of society, and it is
clear that substantial progress has been made. CBA members include most of
the nation's largest bank holding companies as well as regional and super
community banks that collectively hold two-thirds of the industry's total
assets.

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"This new information also shows that we need to intensify already
substantial financial education efforts, to help ensure that the benefits of
competition reach all sectors of the public.

CONTACT: Fritz Elmendorf of the Consumer Bankers Association ,
+1-703-276-3879, or felmendorf@cbanet.

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DUBLIN, Ireland, Research and Markets
(http://www.com
Fax: +353 1 4100 980

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"

The Consumer Bankers Association is the recognized voice on retail banking
issues in the nation's capital.

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