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From: Michalosky, Martin (CFPB)

To: "CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:"

Cc: Banks, Dominique (CFPB); Holzerland, William (CFPB)

Subject: Consumer Financial Protection Bureau FOIA Request (CFPB-2011-002)

Date: Friday, August 05, 2011 8:48:22 AM

Attachments: CFPB-2011-002 Ack Letter.tif

Good morning Mr. Dougherty, Please see the attached acknowledgement letter that references your August 3, 2011 FOIA requestto the Consumer Financial Protection Bureau. If you have any questions or concerns, please do not hesitate to contact the CFPB FOIA ServiceCenter at 1-855-444-FOIA (3642) or CFPB [email protected]. Martin Michalosky

FOIA and Transparency Manager

Office of Privacy, Information Disclosure (FOIA), Records, & Transparency

Tel: 202 435 7198Fax: 202 435 7244Email: [email protected]

consumerfinance.gov/foia

Obtained via FOIA by Judicial Watch, Inc.





Cc: Holzerland, William (CFPB); Kitt, Brett (CFPB)

Subject: Consumer Financial Protection Bureau FOIA Request 2011-06-053 Response

Date: Thursday, June 16, 2011 12:40:14 PM

Attachments: 2011-06-053 Final Response.pdf

Good afternoon Mr. Dougherty, Attached to this email is the CFPB’s response to your FOIA request dated June 6, 2011, in whichyou request records relating to the calendars of Ms. Patricia McCoy and Mr. Richard Cordray.

If you have any questions or concerns, please do not hesitate to contact the CFPB FOIA Team at1-855-444-FOIA (3642) or CFPB [email protected]. Thank you.

Marty MichaloskyConsumer Financial Protection Bureau (CFPB) implementation team

Department of the TreasuryPhone: 202-435-7198

Email: [email protected]




Richard Cordray Responsive Records




1 4/13/2011 11:02 AMCordray, Richard (CFPB)

January 03, 2011

Monday

11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 -

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to11:30 AM (UTC-05:00) Eastern Time (US & Canada).Where: Full Disclosure Room 503 - call-in #

Note: The GMT offset above does not reflect daylight saving time adjustments.

*~*~*~*~*~*~*~*~*~*

January 10, 2011

Monday

11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to11:30 AM (UTC-05:00) Eastern Time (US & Canada).

Where: Full Disclosure Room 503 - call-in #


*~*~*~*~*~*~*~*~*~*

January 17, 2011

Monday

11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to11:30 AM (UTC-05:00) Eastern Time (US & Canada).Where: Full Disclosure Room 503 - call-in #


*~*~*~*~*~*~*~*~*~*

January 18, 2011Tuesday

9:00 AM - 10:30 AM Orientation and Benefits Briefing

11:00 AM - 12:00 PM Enforcement Team Meeting -- Room 501

1:00 PM - 1:30 PM Introductory Meeting -- Room 540

Nani,

Wally asked me to set up introductory meetings for Rich Cordray on his first day. Please

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January 18, 2011 Continued

Tuesday

let me know if you can meet with him briefly at this time.

Thanks,

Meredith


3:30 PM - 4:00 PM Check-in Meeting -- 553

When: Tuesday, January 18, 2011 3:30 PM-4:00 PM (GMT-05:00) Eastern Time (US &Canada).Where: 553


*~*~*~*~*~*~*~*~*~*


January 19, 2011

Wednesday

8:30 AM - 9:00 AM CFPB Orientation -- TBD

When: Wednesday, January 19, 2011 8:30 AM-9:00 AM (UTC-05:00) EasternTime (US & Canada).Where: TBD


*~*~*~*~*~*~*~*~*~*

10:00 AM - 11:00 AM Enforcement Candidates -- Room 523

We have Room 523 until 10:30 a.m. If we need more time than that, we can perhaps

impose on Ori’s officemate.

Thanks,

Meredith

11:00 AM - 12:00 PM Meeting with Peter Jackson -- Room 545

11:00 AM - 11:15 AM Canceled: Regionalization Meeting Wrap-Up -- 1801 L St. (Conference Room 503)

When: Wednesday, January 19, 2011 11:00 AM-11:15 AM (UTC-05:00) EasternTime (US & Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*






Wednesday

1:00 PM - 1:30 PM Introductory Meeting w/ Raj Date -- Room 548

3:15 PM - 3:45 PM Meeting w/ Elizabeth Warren -- Room 550

January 20, 2011

Thursday

8:30 AM - 10:00 AM FW: Policy Meeting -- 1801 L St. (Conference Room 503)

When: Thursday, January 20, 2011 8:30 AM-10:00 AM (GMT-05:00) EasternTime (US & Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*

-----Original Appointment-----From: Warren, Elizabeth (CFPB)Sent: Friday, January 14, 2011 3:56 PMTo: Warren, Elizabeth (CFPB); Antonakes, Steve (CFPB); Burniston, Tim (CFPB); Morris,Lucy (CFPB); Hrdy, Alice (CFPB); Twohig, Peggy (CFPB); Coloretti, Nani (CFPB);Silberman, David (CFPB); Cochran, Kelly (CFPB); Vale, Elizabeth (CFPB); Jackson, Peter(CFPB); Date, Rajeev (CFPB); Geldon, Daniel (CFPB); Adeyemo, Adewale (Wally) (CFPB);

Canfield, Anna (CFPB)Subject: Policy MeetingWhen: Thursday, January 20, 2011 8:30 AM-10:00 AM (GMT-05:00) Eastern Time (US & Canada).Where: 1801 L St. (Conference Room 503)

When: Thursday, January 20, 2011 8:30 AM-10:00 AM (UTC-05:00) EasternTime (US & Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*

Topic: Bank and Nonbank Supervision Modeling

10:00 AM - 10:30 AM Meeting re: Fair Lending






Thursday

11:00 AM - 11:30 AM Introductory Meeting w/ Richard Cordray -- Room 536

When: Thursday, January 20, 2011 11:00 AM‐11:30 AM (GMT‐05:00) Eastern Time (US &

Canada).

Where: Room 536


*~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM FW: CFPB Lunch Meeting -- 503 (A)

When: Thursday, January 20, 2011 12:00 PM‐1:00 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where: 503 (A)


*~*~*~*~*~*~*~*~*~*

-----Original Appointment-----From: Adeyemo, Adewale (Wally)Sent: Thursday, October 21, 2010 12:51 PMTo: Adeyemo, Adewale (Wally); Morris, Lucy; Smullin, Rebecca; Twohig, Peggy; Stein,Eric; Cochran, Kelly; Scanlon, Thomas; Coloretti, Nani; Taylor, Charlotte; Mann,Benjamin; Kershbaum, Sharon; Gorski, Stephanie; 'English, Leandra'; Huang, Eugene;Canfield, Anna; Geldon, Daniel; Jackson, Peter; Burniston, Tim

Cc: Lepley, Richard; '[email protected]'; 'Huang, Eugene J.'; Erickson, Elizabeth;Slagter, Dennis; Date, Rajeev; Goldfarb, Rachael; Dickman, MarilynSubject: FW: CFPB Lunch MeetingWhen: Thursday, January 20, 2011 12:00 PM-1:00 PM (GMT-05:00) Eastern Time (US & Canada).Where: 503 (A)

When: Occurs every Thursday effective 7/29/2010 from 12:00 PM to 1:00 PM

(UTC‐05:00) Eastern Time (US & Canada).

Where: 503 (A)

Note: The

GMT

offset

above

does

not

reflect

daylight

saving

time

adjustments.

*~*~*~*~*~*~*~*~*~*

-----Original Appointment-----From: Adeyemo, Adewale (Wally)Sent: Monday, August 30, 2010 12:34 PMTo: Adeyemo, Adewale (Wally); Smullin, Rebecca; Twohig, Peggy; Stein, Eric; Cochran,Kelly; Scanlon, Thomas; Coloretti, Nani; Taylor, Charlotte; Mann, Benjamin; Kershbaum,






Thursday

(CFPB); Young, Christopher; Twohig, Peggy (CFPB); Antonakes, Steve (CFPB)Subject: FW: Transparency Working Group - Update Steve & PeggyWhen: Thursday, January 20, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada).Where: 501

When: Thursday, January 20, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 501


*~*~*~*~*~*~*~*~*~*

-----Original Appointment-----From: Lev, Ori (CFPB) On Behalf Of Full Disclosure Conference Room 503Sent: Thursday, January 13, 2011 3:49 PMTo: Breslaw, April (CFPB); Cross, Chuck (CFPB); Hrdy, Alice (CFPB); Morris, Lucy (CFPB);Sokolov, Dan; VanMeter, Stephen (CFPB); Young, Christopher; Twohig, Peggy (CFPB); Antonakes, Steve (CFPB)Subject: Transparency Working Group - Update Steve & PeggyWhen: Thursday, January 20, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada).Where: 501

Peggy has asked for an update on the status of the issues we are considering

2:00 PM - 3:00 PM HR Briefing -- Room 538

Dennis and Marilyn,

Wally asked me to set up meetings for Richard Cordray early this week with you two to

get him up to speed on hiring and transfer. Please let me know if you are available to

meet with him at this time.

Thank you!

Meredith Osborn

January 24, 2011

Monday

9:30 AM - 10:00 AM Team Lead Mtg per Wally




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Monday

*~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM Mtg w Bob Stoll -- Mayflower Lobby

1:30 PM - 2:00 PM Check In w/ Richard Cordray and Elizabeth Warren -- 1801 L St. (550)

When: Monday, January 24, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US &Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

2:15 PM - 3:00 PM Interview with Jean Eaglesham, WSJ --

When: Monday, January 24, 2011 2:15 PM-3:00 PM (UTC-05:00) Eastern Time(US & Canada).Where:


*~*~*~*~*~*~*~*~*~*

3:00 PM - 4:00 PM Enforcement Hiring Meeting -- Room 523

When: Monday, January 24, 2011 3:00 PM‐4:00 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where: Room 523


*~*~*~*~*~*~*~*~*~*

4:30 PM - 4:45 PM Brief Intro Meeting -- 557

When: Monday,

January

24,

2011

4:30

PM

‐4:45

PM

(GMT

‐05:00)

Eastern

Time

(US

&

Canada).

Where: 557


*~*~*~*~*~*~*~*~*~*

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January 25, 2011

Tuesday

10:00 AM - 11:00 AM 10:15 Mtg w Jen Howard re outstanding media requests

1:00 PM - 1:30 PM Meeting w/ Richard Cordray & CFPB GC Team -- 520

When: Tuesday, January 25, 2011 1:00 PM‐1:30 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where: 520


*~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM Apptmt to Get Fed Govt Credential, 1800 F St NW, Rm G042

5:00 PM - 6:00 PM Supervision/Enforcement Happy Hour -- Mackey's, 1823 L St NW

When: Tuesday, January 25, 2011 5:00 PM-6:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Mackey's, 1823 L St NW


*~*~*~*~*~*~*~*~*~*

Peggy, the non-DI team, and I would like to invite all of you for a brief happy hour onTuesday for the beginning of the 180 day countdown to our launch date. We have manynew folks on board, so please join us downstairs.

January 26, 2011

Wednesday

9:30 AM - 10:30 AM Continued CFPB Feedback Session -- 503

When: Wednesday, January 26, 2011 9:30 AM-10:30 AM (UTC-05:00) EasternTime (US & Canada).Where: 503


*~*~*~*~*~*~*~*~*~*

10:30 AM - 11:00 AM Introductory Meeting for David Forrest & Richard Cordray -- 577

When: Wednesday, January 26, 2011 10:30 AM‐11:00 AM (GMT‐05:00) Eastern Time (US

& Canada).

Where: 577







Wednesday

*~*~*~*~*~*~*~*~*~*

This is an attempt to reschedule the meeting that was cancelled this morning.

Thank you!

Meredith

11:00 AM - 11:30 AM Copy: Meeting w/Associate AG Tom Perrelli & Rich Cordray -- RFK Main Justice Bldg - Room 5706

(Entrance on Constitution Avenue, NW btw 9th & 10th)

Attendees:Thomas J. Perrelli - Associate Attorney GeneralBrian Hauck - COS to the Associate Attorney GeneralRich Cordray - Enforcement Team (CFPB)

POC: Currie Gunn (202) 514-9500

12:30 PM - 1:30 PM Ohio Bankers League, Lunch Meeting -- Panache Restaurant, 1725 DeSales St (b/w L/M & 17th/Conn)

1:30 PM - 2:30 PM Regional office management/staffing -- Steve's office

When: Wednesday, January 26, 2011 1:30 PM-2:30 PM (UTC-05:00) EasternTime (US & Canada).Where: Steve's office


*~*~*~*~*~*~*~*~*~*

That works for me. Steve, Rich?

3:30 PM - 4:00 PM Meeting w/ Lucy for Mortgage Servicing Briefing -- 557

When: Wednesday, January 26, 2011 3:30 PM‐4:00 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where: 557


*~*~*~*~*~*~*~*~*~*

Lucy is out sick today, so I’m rescheduling this for tomorrow.

4:00 PM - 4:30 PM Enforcement Staffing Levels -- 503

When: Wednesday, January 26, 2011 4:00 PM-4:30 PM (UTC-05:00) EasternTime (US & Canada).Where: 503


*~*~*~*~*~*~*~*~*~*

Rich, This is a follow-up to Nani’s email on staffing levels. Please let us know if we






Wednesday

should invite other members of your team (may need a bigger room). Additional info tofollow.

January 27, 2011

Thursday

11:00 AM - 12:00 PM Policy Meeting -- 1801 L St. (Conference Room 503)

When: Thursday, January 27, 2011 11:00 AM-12:00 PM (GMT-05:00) Eastern Time (US& Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*

Topic: Mortgage Servicing

*In case of snow*

1:00 PM - 1:30 PM Payroll Launch Coordination -- 503

When: Thursday, January 27, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 503


*~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM Meeting w/ Richard Cordray re: Consumer Response -- 557

When: Thursday, January 27, 2011 3:00 PM‐3:30 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where: 557


*~*~*~*~*~*~*~*~*~*

Can we push this back today? The weather delay has led to changes in other meetings.

Thanks,

Meredith

3:30 PM - 3:45 PM Invite Meeting

When: Thursday, January 27, 2011 3:30 PM-3:45 PM (UTC-05:00) Eastern Time (US &Canada).


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Thursday

*~*~*~*~*~*~*~*~*~*

Rescheduling, hope this works.

Leandra

January 28, 2011

Friday

10:00 AM - 10:30 AM Speaking to Ohio AFL-CIO, Blackwell Conf Ctr

12:30 PM - 1:30 PM Baby on Board! -- 503 (large conference room)

When: Friday, January 28, 2011 12:30 PM-1:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 503 (large conference room)


*~*~*~*~*~*~*~*~*~*

Dear Colleagues,

Please join the Research and Markets team for dessert and punch as we toast father-to-be

As the first-time parents appear well-stocked for the immediate future, we thought a (nofee) gift card might be appropriate.

I am happy to collect donations thru Wednesday, January 26, and purchase a group gift onour behalf.Thanks and hope to see you there!

Alejandra (research) and Alice (fair lending)

When: Friday, January 28 at 12:30pmWhere: 5th floor large conference room (503)

1:00 PM - 2:00 PM Federal Interagency Foreclosure/Remedies Call

When: Friday, January 28, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time(US & Canada).


*~*~*~*~*~*~*~*~*~*

Changed to Friday due to today’s weather conditions.

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January 31, 2011

Monday

9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM(UTC-05:00) Eastern Time (US & Canada).Where: 7003


*~*~*~*~*~*~*~*~*~*

We will be holding a team lead meeting once a week. Given our size, I ask that only onerepresentative from each team attend.

10:00 AM - 10:30 AM Meeting w/ Richard Cordray & Kelly Cochran -- 557

When: Monday, January 31, 2011 10:00 AM‐10:30 AM (GMT‐05:00) Eastern Time (US &

Canada).

Where: 557


*~*~*~*~*~*~*~*~*~*

I think we’ll have to move this to Monday for a face to face meeting, since Rich is

working from Ohio on Fridays.




*~*~*~*~*~*~*~*~*~*

11:30 AM - 12:00 PM Updated: Meeting for Rich Cordray and Len Kennedy -- 557?

12:00 PM - 1:00 PM Enforcement Team Meeting -- 501

When: Occurs every Monday effective 1/31/2011 from 12:00 PM to 1:00 PM

(GMT‐05:00) Eastern Time (US & Canada).

Where: 501


*~*~*~*~*~*~*~*~*~*

Sorry – had to change location, but this should work going forward.

Guys,

We’re going to try to do this as a brown‐bag lunch meeting on Mondays.

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Monday

Thanks!

Meredith

1:00 PM - 1:30 PM Interview -- Group A: Richard Cordray's Office

When: Monday, January 31, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time

(US & Canada).Where: Group A: Richard Cordray's Office


*~*~*~*~*~*~*~*~*~*

Group ARich CordrayLucy Morris

Richard Cordray’s Office @ 1:00

Group BAliceChris Ladd

Alice’s Office @ 1:30

2:00 PM - 3:30 PM Meeting with OTS Enforcement Staff -- OTS

When: Monday, January 31, 2011 2:00 PM-3:30 PM (GMT-05:00) Eastern Time (US &Canada).Where: OTS


*~*~*~*~*~*~*~*~*~*

This is to learn about the OTS enforcement structure, policies and procedures, and

enforcement matters that might transfer to CFPB.

February 01, 2011

Tuesday

12:00 PM - 12:30 PM Chris Bruce, BNA Reporter (off the record) -- your office

When: Tuesday, February 01, 2011 12:00 PM-12:30 PM (UTC-05:00) EasternTime (US & Canada).Where: your office

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February 01, 2011 Continued

Tuesday


*~*~*~*~*~*~*~*~*~*

1:15 PM - 2:00 PM Meeting with Kevin Blakely (Chief Risk Officer, Huntington Bank) -- 1801 L St. (548)

When: Tuesday, February 01, 2011 1:15 PM-2:00 PM (UTC-05:00) Eastern Time (US &Canada).Where: 1801 L St. (548)


*~*~*~*~*~*~*~*~*~*

Contact: Barbara Benham

1:30 PM - 1:45 PM interview -- Lucy's office

When: Tuesday, February 01, 2011 1:30 PM-1:45 PM (UTC-05:00) Eastern Time(US & Canada).Where: Richard's office


*~*~*~*~*~*~*~*~*~*

LucyJoannaLucy’s office @ 12:30

AliceMeredithAlice’s office @1:00pm

Richard Cordray @ 1:30

3:00 PM - 3:30 PM Adam Martinez

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Tuesday

3:30 PM - 4:00 PM Feedback on Outreach Plan -- 557

When: Tuesday, February 01, 2011 3:30 PM‐4:00 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where: 557


*~*~*~*~*~*~*~*~*~*

4:00 PM - 4:20 PM interview -- Richard's office

When: Tuesday, February 01, 2011 4:00 PM-4:20 PM (UTC-05:00) Eastern Time(US & Canada).Where: Richard's office


*~*~*~*~*~*~*~*~*~*

LucyJoannaLucy’s office @ 3:00pm

AliceMeredithAlice’s office @3:30pm

Richard Cordray @ 4:00pm

5:00 PM - 6:00 PM Mtg w Carter Dougherty of Bloomberg -- Au Bon Pain

6:00 PM - 7:00 PM More Talk about Supervision/Enforcement Interface -- Steve or Peggy's office or wherever else you want

February 02, 2011

Wednesday

10:00 AM - 11:00 AM Prep for DOJ meeting -- TBD

When: Wednesday, February 02, 2011 10:00 AM-11:00 AM (UTC-05:00) EasternTime (US & Canada).Where: TBD


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Thursday

I thought it would be a good use of our time to sit down with you for 30 minutes and ask some questions about the your team and your goals in relation to IT. Please feel free toinvite anyone on your team that you feel relevant to the conversation.

This time was available according to the calendar, but if there is a better time or location please feel free to let me know.

Looking forward to meeting you!

Cheers,Theresa

Theresa R. SenaConsumer Financial Protection Bureau‐CFPB

US Treasury Department

P: 202.435.7074

3:15 PM - 3:45 PM Meeting w/ Commissioner Julie Brill -- Room 326, 600 Pennsylvania Avenue, NW

When: Thursday, February 03, 2011 3:15 PM‐3:45 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where: Room 326, 600 Pennsylvania Avenue, NW


*~*~*~*~*~*~*~*~*~*

4:00 PM - 5:00 PM Meeting w/ David Vladeck -- FTC

This meeting has been confirmed.

5:00 PM - 6:45 PM Website launch Happy Hour -- Mackey's (1823 L Street Northwest)

When: Thursday, February 03, 2011 5:00 PM-6:45 PM (UTC-05:00) Eastern Time(US & Canada).Where: Mackey's (1823 L Street Northwest)


*~*~*~*~*~*~*~*~*~*

February 04, 2011

Friday


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Friday

1:30 PM - 2:30 PM Meeting with DoJ - Eric Halperin and Vicki Schultz -- 523

When: Friday, February 04, 2011 1:30 PM-2:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 523


*~*~*~*~*~*~*~*~*~*

Eric and Vicki are from the DoJ Civil Rights division and will speak with us aboutSCRA enforcement and military mortgage servicing issues.

It would be good if Alice, Peggy, and Wally could stop by at the beginning or theend. I’ve added Lucy so that she can have someone from the mortgage servicingteam sit in on the whole meeting.

Rich, if you have time, we’d be glad to have you call in for the meeting. Holly’s

office is 202-435-7405.

Thanks, Nick

3:00 PM - 4:30 PM Hiring Meeting -- 501 - Boomer-Sooner Conference Room

When: Occurs every Friday effective 2/4/2011 from 3:00 PM to 4:30 PM (GMT‐05:00)

Eastern Time (US & Canada).

Where: 501 ‐ Boomer‐Sooner Conference Room


*~*~*~*~*~*~*~*~*~*

Just wanted to add our new folks to this meeting and update our location.

Thanks!

February 07, 2011

Monday

8:00 AM - 8:30 AM Mtg w Mike Riley of Bloomberg -- Scratched

9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 7003When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM(UTC-05:00) Eastern Time (US & Canada).Where: 7003


*~*~*~*~*~*~*~*~*~*


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Monday

10:00 AM - 11:00 AM Rules of Practice -- Conf Rm 501

When: Monday, February 07, 2011 10:00 AM-11:00 AM (UTC-05:00) EasternTime (US & Canada).Where: Conf Rm 501


*~*~*~*~*~*~*~*~*~*


When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to11:30 AM (UTC-05:00) Eastern Time (US & Canada).Where: Full Disclosure Room 503 -


*~*~*~*~*~*~*~*~*~*




Where: 501


*~*~*~*~*~*~*~*~*~*


Guys,


Thanks!

Meredith

1:00 PM - 2:00 PM Meeting w/ Julie Williams, Dan Stipano (Deputy Chief Counsel), and Rick Stearns (Director of

Enforcement) -- OCC

When: Monday,

February

07,

2011

1:00

PM

‐2:00

PM

(GMT

‐05:00)

Eastern

Time

(US

&

Canada).

Where: OCC


*~*~*~*~*~*~*~*~*~*

Please let me know if this time works for you as soon as possible so we can confirm.

Also, please let me know who else to include from our team.

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Monday

Thanks!

2:30 PM - 3:00 PM Check In w/ Richard Cordray -- 1801 L St. (550)

When: Monday, February 07, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time (US &Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

4:00 PM - 6:00 PM Workforce Planning -- 7003

When: Monday, February 07, 2011 4:00 PM-6:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 7003


*~*~*~*~*~*~*~*~*~*

February 08, 2011Tuesday

8:00 AM - 8:30 AM

10:00 AM - 10:30 AM Adam

10:30 AM - 1:00 PM Interagency Foreclosure Meeting (11:00) -- DOJ

When: Tuesday, February 08, 2011 10:30 AM-1:00 PM (UTC-05:00) Eastern Time (US& Canada).Where: DOJ


*~*~*~*~*~*~*~*~*~*

Let’s plan to leave at 10:30 to give ourselves plenty of time to get through security.

2:00 PM - 3:00 PM New Employee Ethics Briefing -- 4125 MT (Media Room B)

When: Tuesday, February 08, 2011 2:00 PM-3:00 PM (GMT-05:00)Eastern Time (US & Canada).Where: 4125 MT (Media Room B)

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Tuesday

Note: The GMT offset above does not reflect daylight saving timeadjustments.

*~*~*~*~*~*~*~*~*~*

As part of your Schedule C, SES, or other Treasury appointment, you arerequired by regulations to receive this new employee ethics briefing forpublic financial disclosure filers. We will discuss the regulations, criminalstatutes, and other obligations that apply to you as a Treasury employee.

3:00 PM - 3:15 PM Rich Cordray re: EM -- Rich's Office

When: Tuesday, February 08, 2011 3:00 PM-3:15 PM (UTC-05:00) Eastern Time(US & Canada).Where: Rich's Office


*~*~*~*~*~*~*~*~*~*

Rich,

This shouldn’t take more than 15 minutes. Thanks so much for the time.

RG

3:30 PM - 4:00 PM Interview with -- Rich's Office

4:15 PM - 4:45 PM Enforcement Hiring Process -- 566

When: Tuesday, February 08, 2011 4:15 PM-4:45 PM (UTC-05:00) Eastern Time(US & Canada).Where: 566


*~*~*~*~*~*~*~*~*~*

5:00 PM - 6:00 PM Consumer Response Meeting -- 503



*~*~*~*~*~*~*~*~*~*

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Tuesday

All,

Wally would like either Deputies or their Deputy Assistants to attend this meeting.

If you need further assistance please feel free to contact me.

Thanks you,

Anya

5:30 PM - 6:30 PM Dinner 5:45 -- TBD

February 09, 2011

Wednesday

10:00 AM - 10:30 AM Hill visits -- Rich's office

When: Wednesday, February 09, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern

Time (US & Canada).Where: Rich's office


*~*~*~*~*~*~*~*~*~*

11:00 AM - 1:00 PM GovTrip Training -- 503

When: Wednesday, February 09, 2011 11:00 AM-1:00 PM (UTC-05:00) EasternTime (US & Canada).Where: 503


*~*~*~*~*~*~*~*~*~*

Greetings,

There will be two, optional but highly recommended, trainings on how to use GovTrip.

You’ll only need to attend one training

Brandace

1:00 PM - 1:45 PM Supervision Program Briefing -- Room 503

When: Wednesday, February 09, 2011 1:00 PM-1:45 PM (UTC-05:00) EasternTime (US & Canada).Where: Room 503


(b) (6)






Wednesday

*~*~*~*~*~*~*~*~*~*

Please join us to review and discuss the current thinking on the supervision program

3:30 PM - 4:00 PM FDIC Briefing -- 557

When: Wednesday, February 09, 2011 3:30 PM‐4:00 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where: 557


*~*~*~*~*~*~*~*~*~*

Gary, thank you for offering to give Rich some background on the FDIC prior to his

meeting with them tomorrow!

4:00 PM - 6:00 PM FW: Policy Meeting -- 1801 L St. (Conference Room 503)

When: Wednesday, February 09, 2011 4:00 PM-6:00 PM (UTC-05:00) Eastern Time (US& Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*

-----Original Appointment-----From: Geldon, Daniel (CFPB) On Behalf Of Warren, Elizabeth (CFPB)Sent: Sunday, December 05, 2010 1:29 PM

To: Antonakes, Steve (CFPB); Burniston, Tim (CFPB); Morris, Lucy (CFPB); Hrdy, Alice(CFPB); Twohig, Peggy (CFPB); Coloretti, Nani (CFPB); Silberman, David (CFPB);Cochran, Kelly (CFPB); Vale, Elizabeth (CFPB); J ackson, Peter (CFPB); Date, Rajeev(CFPB); Geldon, Daniel (CFPB); Adeyemo, Adewale (Wally) (CFPB); Canfield, Anna(CFPB); McCoy, Patricia (CFPB); Cordray, Richard (CFPB)Cc: Sokolov, Dan; Sartaj Alag; Riley, J eff (CFPB)

Subject: Policy MeetingWhen: Wednesday, February 09, 2011 4:00 PM-6:00 PM (UTC-05:00) Eastern Time (US& Canada).Where: 1801 L St. (Conference Room 503)

Topic: IT

(b) (5)





February 10, 2011

Thursday

8:30 AM - 9:00 AM Mortgage Servicing Update -- 1801 L St. (550)

When: Thursday, February 10, 2011 8:30 AM-9:00 AM (UTC-05:00) EasternTime (US & Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

9:00 AM - 10:00 AM Workforce Planning -- 7003

When: Thursday, February 10, 2011 9:00 AM-10:00 AM (UTC-05:00) EasternTime (US & Canada).Where: 7003


*~*~*~*~*~*~*~*~*~*

10:00 AM - 10:20 AM phone interview -- Richard' s office

When: Thursday, February 10, 2011 10:00 AM-10:20 AM (UTC-05:00) EasternTime (US & Canada).Where: Richard' s office


*~*~*~*~*~*~*~*~*~*

OriLucyLucy’s office @9:00

AliceMeredithAlice’s office @9:30

Richard Richard’s office @ 10:00

10:30 AM - 11:00 AM Call with NYAG Eric Schneiderman )

11:30 AM - 12:30 PM FW: CFPB Enforcement Division meeting -- MB-3028

-----Original Appointment-----From: [email protected] [mailto:[email protected]] On Behalf Of Krimminger, Michael H.

(b) (6) (b) (6)

(b) (6)






Thursday

Sent: Thursday, February 03, 2011 9:17 AMTo: Krimminger, Michael H.; McInerney, Roberta K.; Osborn, Meredith (CFPB)Cc: Morris, Lucy (CFPB)Subject: Updated: CFPB Enforcement Division meetingWhen: Thursday, February 10, 2011 11:30 AM-12:30 PM (GMT-05:00) Eastern Time (US& Canada).

Where: MB-3028

-------------------------------------------------------------------------This message was secured by ZixCorp(R).

1:30 PM - 2:00 PM Meeting with Sartaj -- 557

When: Thursday, February 10, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 557


*~*~*~*~*~*~*~*~*~*


When: Thursday, February 10, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Richard's office


*~*~*~*~*~*~*~*~*~*

LucyOriLucy’s office @ 1:00pm

AliceMeredithAlice’s office @ 1:30pm

Richard Richard’s office @ 2:00pm

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Thursday

3:30 PM - 5:30 PM LAUNCH EMPLOYEE INFORMATION SESSION -- 7003

When: Thursday, February 10, 2011 3:30 PM-5:30 PM (UTC-05:00) Eastern Time (US &Canada).Where: 7003


*~*~*~*~*~*~*~*~*~*

Colleagues:

We’re on track for implementing CFPB’s interim pay and benefits program on February13 (the start of pay period 4). Professor Warren will be hosting an All Hands meeting onThursday, February 10, from 3:30 to 4:30 to provide you with detailed informationregarding what this change means for CFPB employees.

For those colleagues who will be detailed to CFPB, this is a great opportunity for us tomark another milestone in our collective efforts to build this agency. I ask that you take

the time to attend.

*** Reminder – this ALL HANDS is intended for all employees/detailed employees. There will be an opportunity to take a photo with Professor Warren at thisevent.

5:30 PM - 6:30 PM






Thursday

5:30 PM - 6:15 PM





February 11, 2011

Friday






*~*~*~*~*~*~*~*~*~*


Thanks!

February 14, 2011

Monday


When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM

(UTC-05:00) Eastern Time (US & Canada).Where: 7003


*~*~*~*~*~*~*~*~*~*



When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to

11:30 AM (UTC-05:00) Eastern Time (US & Canada).Where: Full Disclosure Room 503 - call-in #


*~*~*~*~*~*~*~*~*~*




Where: 501


*~*~*~*~*~*~*~*~*~*


Guys,


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(b) (6)






Monday

Thanks!

Meredith


When: Monday, February 14, 2011 12:30 PM-12:45 PM (UTC-05:00) Eastern

Time (US & Canada).Where: Richard's office


*~*~*~*~*~*~*~*~*~*

LucyJoannaLucy’s office @ 11:30

AliceMeredithAlice’s office @12:00

Richard Cordray @ 12:30

1:30 PM - 2:00 PM interview -- Richard's officeWhen: Monday, February 14, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Richard's office


*~*~*~*~*~*~*~*~*~*

Lucy’s office @ 1:00pm

Richard’s office @ 1:30pm

2:00 PM - 2:15 PM Meet & Greet with New Hire (Victor Prince) - Richard Cordray -- Richard's Office - 557

When: Monday, February 14, 2011 2:00 PM-2:15 PM (UTC-05:00) Eastern Time(US & Canada).Where: Richard's Office - 557

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(b) (6)

(b) (6)

(b) (6)






Monday


*~*~*~*~*~*~*~*~*~*

Victor just started as Deputy COO and would like to briefly introduce himself, meet you,and learn about your team.

3:00 PM - 3:30 PM Call with Richard Cordray re: NY AG

When: Monday, February 14, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time(US & Canada).


*~*~*~*~*~*~*~*~*~*

EW will

call

your

cell

phone

4:00 PM - 5:00 PM FW: Fw: FORECLOSURE PROCESSING PRINCIPALS MEETING -- Departmental Conference Room; HUD

When: Monday, February 14, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US &Canada).Where: Departmental Conference Room; HUD


*~*~*~*~*~*~*~*~*~*

This was forwarded to me by HUD’s GC, Helen Kanovsky. She says an invitationpreviously went to CFPB, although I don’t see us listed below. In any event, she said that

CFPB is invited and that we can bring a Principal +1. We will need to RSVP withwhatever information is needed to clear security.

As we discussed, Professor Warren and Raj are in New York on Monday.

-----Original Appointment-----From: Donovan, Shaun [mailtoSent: Thursday, February 10, 2011 4:56 PM

To: Morris, Lucy (CFPB); Donovan, ShaunSubject: Fw: FORECLOSURE PROCESSING PRINCIPALS MEETINGWhen: Monday, February 14, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US &Canada).Where: Departmental Conference Room; HUD

Attendees:HUD: Secretary DonovanHelen KanovskyMelanie Roussell

FHA: David StevensVicki Bott

FHFA: DemarcoAlfred Pollard

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Monday

Fed: TBD- Ben BernankeWilliam Lang

FDIC: TBD- Sheila BairMark Pearce

OTS: TBD- J ohn BowmanGrovetta Gardineer, Managing Director, Corporate and InternationalActivities

DOJ : Thomas Perrelli

OCC: TBD- J ohn WalshJ oseph Evers

SEC: TBD- Mary SchapiroMeredith Cross, Director, Division of Corporate Finance

FTC: TBD- LeibowitzDavid Vladeck, Director, Bureau of Consumer Protection

Contact: J ulie HerrPhone: 202-622-3101Email: J [email protected]<mailto:J [email protected]>Attendees:HUD: Secretary DonovanHelen KanovskyMelanie Roussell

FHA: David StevensVicki Bott

FHFA: DemarcoAlfred Pollard

Fed: TBD- Ben BernankeWilliam Lang

FDIC: TBD- Sheila BairMark Pearce

OTS: TBD- J ohn BowmanGrovetta Gardineer, Managing Director, Corporate and International

Activities

DOJ : Thomas Perrelli

OCC: TBD- J ohn WalshJ oseph Evers

SEC: TBD- Mary SchapiroMeredith Cross, Director, Division of Corporate Finance

FTC: TBD- LeibowitzDavid Vladeck, Director, Bureau of Consumer Protection

Contact: J ulie Herr






Monday

Phone: 202-622-3101Email: J [email protected]<mailto:J [email protected]>

February 15, 2011

Tuesday11:00 AM - 11:30 AM Conference call on mod data and potential dollar/loan volume estimate --

When: Tuesday, February 15, 2011 11:00 AM-11:30 AM (UTC-05:00) EasternTime (US & Canada).Where:


*~*~*~*~*~*~*~*~*~*

I know this does not work for everyone, but I think it still makes sense to have the

discussion with as many of us as can join.

Don

1:00 PM - 1:30 PM Call with Eric Schneiderman

2:00 PM - 3:00 PM Call with Iowa AG's office, perhaps others also -- Prof. Warren's Office

4:30 PM - 5:00 PM Follow Up on Modification Analytics -- Dial-In:When: Tuesday, February 15, 2011 4:30 PM‐5:00 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where: Dial‐In


*~*~*~*~*~*~*~*~*~*

5:30 PM - 6:00 PM Debrief meeting? -- 529



*~*~*~*~*~*~*~*~*~*

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(b) (6)

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Tuesday

Noon won’t work for Pat. Should we try 5:30 to prep for the meeting with EW? Thanks

February 16, 2011

Wednesday

9:15 AM - 9:30 AM Meeting with Rich Cordray -- 1801 L St. (550)When: Wednesday, February 16, 2011 9:15 AM-9:30 AM (UTC-05:00) EasternTime (US & Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

10:00 AM - 11:00 AM Consumer response product and issue coding meeting -- Conference room 523

When: Wednesday, February 16, 2011 10:00 AM-11:00 AM (UTC-05:00) EasternTime (US & Canada).Where: Conference room 523


*~*~*~*~*~*~*~*~*~*

11:15 AM - 11:45 AM Mortgage Servicing Strategy -- 1801 L St. (550)

When: Wednesday, February 16, 2011 11:15 AM-11:45 AM (UTC-05:00) EasternTime (US & Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

11:45 AM - 12:30 PM CFPB Independent Litigation Authority -- Room 523

When: Wednesday, February 16, 2011 11:45 AM-12:30 PM (UTC-05:00) EasternTime (US & Canada).Where: Room 523


*~*~*~*~*~*~*~*~*~*

As you likely know, CFPB has extraordinarily broad independent litigation authorityunder Section 1054, as well as a requirement to negotiate an MOU with DOJ concerninglitigation. There are many considerations and issues we would like to discuss. I am not






Wednesday

sure I have captured the correct people from the enforcement group, so please invitewhomever is needed.

2:30 PM - 3:00 PM Gathering Ideas for a Process for Rulemaking -- 557

When: Wednesday, February 16, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern

Time (US & Canada).Where: 557


*~*~*~*~*~*~*~*~*~*

Message from Dan Sokolov: I was asked to help flesh out potential processes for

rulemaking. I’d like to start by gathering input from a wide array of functions. I hope you

will sit down with me for 30 minutes to share your thoughts. Or, if you prefer, please

help me identify someone else in your function with whom I should meet.

3:30 PM - 4:30 PM Meet: Non-DI/Enforcement -- 523

When: Wednesday, February 16, 2011 3:30 PM-4:30 PM (UTC-05:00) EasternTime (US & Canada).Where: 523


*~*~*~*~*~*~*~*~*~*

5:30 PM - 6:00 PM Tracy Heard Mayflower Hotel Lobby

February 17, 2011

Thursday

9:30 AM - 10:30 AM Military Legal Services & Relief Organizations Meeting -- Full Disclosure Conference 503

When: Thursday, February 17, 2011 9:30 AM-10:30 AM (UTC-05:00) EasternTime (US & Canada).Where: Full Disclosure Conference 503


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (5)






Thursday

*~*~*~*~*~*~*~*~*~*

February 18, 2011Friday

9:00 AM - 11:00 AM Hiring Meeting -- 501 - Boomer-Sooner Conference Room

When: Friday, February 18, 2011 9:00 AM-11:00 AM (GMT-05:00) Eastern Time (US &Canada).Where: 523 - Accountability Conference Room


*~*~*~*~*~*~*~*~*~*

I think this works for everyone, though I know it’s on the early side for you, Rich.

Meredith

2:00 PM - 2:30 PM Conference call on mod data and potential dollar/loan volume estimate --

When: Friday, February 18, 2011 2:00 PM‐2:30 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where:


*~*~*~*~*~*~*~*~*~*

February 21, 2011

Monday




*~*~*~*~*~*~*~*~*~*




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(b) (6)

(b) (6)






Monday


*~*~*~*~*~*~*~*~*~*




Where: 501


*~*~*~*~*~*~*~*~*~*


Guys,


Thanks!

Meredith

5:00 PM - 5:30 PM Check In w/ Richard Cordray and Elizabeth Warren -- 1801 L St. (550)

When: Occurs every 2 weeks on Monday effective 1/24/2011 from 5:00 PM to 5:30 PM(UTC-05:00) Eastern Time (US & Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

February 22, 2011

Tuesday

9:00 AM - 9:30 AM Pick Up ID Card, 1500 Pa Ave NW Rm 1015

11:00 AM - 12:00 PM Call on Loan Modifications -- Dial-in Number:

When: Tuesday,

February

22,

2011

11:00

AM

‐12:00

PM

(GMT

‐05:00)

Eastern

Time

(US

&

Canada).

Where: Dial‐in Number:


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)

(b) (6)






Tuesday

1:00 PM - 2:00 PM Meet and Greet with Mr. Khuzami and Lorin Reisner (SEC Contacts) -- 100 Fst NE Washington, DC

When: Tuesday, February 22, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 100 Fst NE Washington, DC


*~*~*~*~*~*~*~*~*~*

2:30 PM - 3:30 PM Mtg with Ind AG Zoeller, Mayflower Hotel Lobby

February 23, 2011

Wednesday

10:30 AM - 4:00 PM HOLD: HUD Meet-and-Greets -- Full Disclosure 503

When: Wednesday, February 23, 2011 10:30 AM-4:00 PM (UTC-05:00) EasternTime (US & Canada).Where: Full Disclosure 503


*~*~*~*~*~*~*~*~*~*

11:15 AM - 11:30 AM NFHA Meet & Greet -- Room 7004

When: Wednesday, February 23, 2011 11:15 AM-11:30 AM (UTC-05:00) EasternTime (US & Canada).Where: Room 7004


*~*~*~*~*~*~*~*~*~*

Please stop be room 7004 to say hi to staff of the National Fair Housing Alliance (NFHA)

2:00 PM - 2:30 PM Market Ressarch Kick Off Meeting with PwC resource-Everett Vance -- 1st floor conference room

(Sunlight)

When: Wednesday, February 23, 2011 2:00 PM-2:30 PM (UTC-05:00) EasternTime (US & Canada).Where: 1st floor conference room (Sunlight)

(b) (5)






Wednesday


*~*~*~*~*~*~*~*~*~*

Hello,

I am please to introduce you to Everett Vance, a market research specialist that will beengaged for approx. 3 weeks to help the enforcement and OGC have a good snapshot intothe market.

Everett will be ready to go beginning this Wednesday.

Please do let me know if this time works for the rest (or most), I am happy toaccommodate all calendars as best as I can. Please feel free to forward this invite if I haveleft someone off.

Thanks!Theresa

Theresa R. SenaConsumer Financial Protection Bureau‐CFPB

US Treasury Department

P: 202.435.7074

4:00 PM - 4:45 PM Weekly Meeting - Cordray - Kennedy -- Len's Office

When: Occurs every Wednesday effective 2/23/2011 from 4:00 PM to 4:45 PM

(UTC-05:00) Eastern Time (US & Canada).Where: Len's Office


*~*~*~*~*~*~*~*~*~*

February 24, 2011

Thursday

9:15 AM - 10:00 AM HUD Candidates -- Rich's Office

When: Thursday, February 24, 2011 9:15 AM-10:00 AM (UTC-05:00) EasternTime (US & Canada).Where: Rich's Office


*~*~*~*~*~*~*~*~*~*

(b) (6)






Thursday

10:00 AM - 10:30 AM Interview -- Group A: Richard's Office @ 10:00 A.M.

When: Thursday, February 24, 2011 10:00 AM-10:30 AM (UTC-05:00) EasternTime (US & Canada).Where: Group A: Richard's Office @ 10:00 A.M.


Group A

Richard Peggy

Richard’s Office @ 10:00 A.M.

Group BAliceJeffrey

Alice’s Office @ 10:30 A.M.

12:00 PM - 1:00 PM CFPB Lunch & Learn: Office of the Financial Officer -- Conference Room 503When: Thursday, February 24, 2011 12:00 PM‐1:00 PM (UTC‐05:00) Eastern Time (US &

Canada).

Where: Conference Room 503


*~*~*~*~*~*~*~*~*~*

You are Invited to a CFPB Lunch & Learn!

Topic: “Budget/Financial Management: An In-DepthLook at the CFPB Budget”

Date: Thursday, February 24, 2011

Time: 12:00 pm - 1:00 pm

Place: Room 503 1801 L St.

Facilitator: Eli Erickson

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(b) (6)






Thursday

Purpose: Did you know our budget is now posted on our website? http://www.consumerfinance.gov/2011/02/14/the-cfpbs-budget/ Do you know what we are spending and where we get our money

from? Eli Erickson will walk you through everything you need to know in the world of CFPB finances.

1:00 PM - 2:00 PM Meeting on Staffing -- 7004



*~*~*~*~*~*~*~*~*~*

7:30 PM - 8:00 PM Prep for Meeting with Secretary Geithner -- Conference Call

When: Thursday, February 24, 2011 7:30 PM-8:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Conference Call


*~*~*~*~*~*~*~*~*~*

February 25, 2011

Friday

10:00 AM - 10:30 AM Meeting with Staff -- Secretary's Small Conference Room

When: Friday, February 25, 2011 10:00 AM‐10:30 AM (UTC‐05:00) Eastern Time (US &

Canada).

Where: Secretary's Small Conference Room


*~*~*~*~*~*~*~*~*~*

TOPIC: The Settlement

Goldstein

Caldwell

Graves

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Friday

Elizabeth Warren

Richard Cordray

Raj Date

Pat McCoy

Lucy Morris

Ethan Bernstein

4:00 PM - 5:00 PM Call with State Attorneys General re: Foreclosure Settlement

When: Friday, February 25, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US &Canada).


*~*~*~*~*~*~*~*~*~*

February 28, 2011

Monday




*~*~*~*~*~*~*~*~*~*





*~*~*~*~*~*~*~*~*~*




Where: 501


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(b) (6)






Monday

*~*~*~*~*~*~*~*~*~*


Guys, We’re going to try to do this as a brown‐bag lunch meeting on Mondays.

Thanks!

Meredith

1:00 PM - 1:30 PM phone interview -- Richard's office

When: Monday, February 28, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Richard's office


*~*~*~*~*~*~*~*~*~*

OriLucyLucy’s office @ 12:30pm

Richard Richard’s office @ 1:00pm


When: Monday, February 28, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Richard's office


*~*~*~*~*~*~*~*~*~*

OriLucyLucy’s office@ 1:30

MeredithAliceAlice’s office@2:00

Richard

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(b) (6)






Monday

Richard’s office @ 2:30

3:00 PM - 4:00 PM Hiring Meeting -- 503

When: Monday, February 28, 2011 3:00 PM-4:00 PM (GMT-05:00) Eastern Time (US &Canada).

Where: 503


*~*~*~*~*~*~*~*~*~*

We are meeting in 503.

March 01, 2011

Tuesday

9:00 AM - 9:30 AM Interview (Fair Lending) -- Group C: Rich's Office 557

When: Tuesday, March 01, 2011 9:00 AM-9:30 AM (UTC-05:00) Eastern Time(US & Canada).Where: Group C: Rich's Office 557


*~*~*~*~*~*~*~*~*~*

Group CRichPeggy

Rich’s Office 557

Group BLenSteve

Len’s Office 521

Group A:WallyRaj

Wally’s Office 540

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March 01, 2011 Continued

Tuesday

10:00 AM - 10:30 AM Interview (Fair Lending) -- Group A: Raj's Office 548

When: Tuesday, March 01, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time(US & Canada).Where: Group A: Raj's Office 548


*~*~*~*~*~*~*~*~*~*

Group ARajRich

Raj’s Office 548

Group BWallyLen


Group CPeggy

Steve

Peggy’s Office 563

10:30 AM - 11:00 AM Market Research Planning Discussion - Enforcement and OGC -- Rm 523

When: Tuesday, March 01, 2011 10:30 AM-11:00 AM (UTC-05:00) Eastern Time(US & Canada).Where: Rm 523


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)

(b) (5)






Tuesday

Thanks, J oanna

11:00 AM - 12:00 PM Meeting w/ Scott Alvarez and Richard Ashton -- Federal ReserveWhen: Tuesday, March 01, 2011 11:00 AM‐12:00 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where: Federal Reserve


*~*~*~*~*~*~*~*~*~*

This is our rescheduled appointment. No need to resend your information to me for

access to the Fed Building.

Thank you!

12:30 PM - 1:00 PM Cupcakes for Peggy's birthday -- 523

When: Tuesday, March 01, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 523


*~*~*~*~*~*~*~*~*~*

We hope you can stop by 523 briefly tomorrow to help us celebrate Peggy’s

birthday belatedly. We’ll have cupcakes from Firehook.

1:00 PM - 1:30 PM PD's Discussion -- Richard's office

When: Tuesday, March 01, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Richard's office


*~*~*~*~*~*~*~*~*~*

1:30 PM - 2:00 PM Ops Plan Development -- Rich's Office

When: Tuesday, March 01, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Rich's Office


*~*~*~*~*~*~*~*~*~*






Tuesday

2:00 PM - 3:00 PM Setting Enforcement Priorities -- 501

When: Tuesday, March 01, 2011 2:00 PM-3:00 PM (UTC-05:00) Eastern Time

(US & Canada).Where: 501


*~*~*~*~*~*~*~*~*~*

(b) (5)






Tuesday

3:00 PM - 4:00 PM "Americans for Financial Reform" -- Conference room 7004

When: Tuesday, March 01, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Conference room 7004


*~*~*~*~*~*~*~*~*~*

4:00 PM - 4:30 PM Prep for Rich's 3/2 Hill visits -- Rich's office

When: Tuesday, March 01, 2011 4:00 PM-4:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Rich's office


*~*~*~*~*~*~*~*~*~*

4:30 PM - 5:00 PM Weekly Invitation/Outreach Meeting

When: Occurs every Tuesday effective 3/1/2011 from 4:30 PM to 5:00 PM (UTC-05:00)Eastern Time (US & Canada).


*~*~*~*~*~*~*~*~*~*

Good morning all –

I wanted to institute a weekly meeting to touch base on invitations and upcoming events

for Rich – thought this would help make sure that we address everything that comes in.

Let me know if this time doesn’t work for folks,

Leandra

6:00 PM - 7:00 PM Dinner w TBD

March 02, 2011

Wednesday

9:00 AM - 1:00 PM RC Hill Meetings

10:00 AM - 11:00 AM Mtg w Sherrod Brown, Hart S.O.B. Rm 713

(b) (6)






Wednesday

6:30 PM - 7:30 PM Dinner - -- Washington Circle - Restaurant to be Confirmed

When: Wednesday, March 02, 2011 6:30 PM-7:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Washington Circle - Restaurant to be Confirmed


*~*~*~*~*~*~*~*~*~*

March 03, 2011

Thursday

8:00 AM - 9:30 AM Speaking to Ohio Bankers League Delegation (40 CEOs and senior level managers, per Jeff Quayle,

-- L'Enfant Plaza Hotel, 480 L'Enfant Plaza S.W.

11:00 AM - 11:30 AM Rich Cordray interview with Brady Dennis, WaPo (tentative time) -- in your office

When: Thursday, March 03, 2011 11:00 AM-11:30 AM (UTC-05:00) EasternTime (US & Canada).Where: in your office


*~*~*~*~*~*~*~*~*~*

12:00 PM - 1:30 PM American U Law Review Symposium -- Lunch Keynote Speaker re Consumer Bureau -- American UniversityLaw School, 4801 Mass Ave, Rm 603

Leslie Meredith, Editor in Chief of Law Review,

2:00 PM - 2:30 PM NAAG MOU -- Joanna and Meredith's Tearoom

When: Thursday, March 03, 2011 2:00 PM‐2:30 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where: Joanna and Meredith's Tearoom


*~*~*~*~*~*~*~*~*~*

We’ll be meeting outside of Meredith and Joanna’s cubicles due to the conference rooms

being booked.

(b) (6)

(b) (6)

(b) (6)

(b) (5)






Thursday

Thanks!

Meredith


When: Thursday, March 03, 2011 3:30 PM-4:00 PM (UTC-05:00) Eastern Time

(US & Canada).Where: Richard's office


*~*~*~*~*~*~*~*~*~*

LucyOriLucy’s office @ 2:30

AliceMeredithAlice’s office @ 3:00


March 04, 2011

Friday

9:00 AM - 11:00 AM Authorities Framework Meeting -- Room 503

When: Friday, March 04, 2011 9:00 AM-11:00 AM (UTC-05:00) Eastern Time(US & Canada).Where: Room 503


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)

(b) (5)






Friday

12:30 PM - 1:00 PM Mortgage Servicing and Office of Servicemember Affairs -- 1801 L St. (550)

When: Friday, March 04, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*






*~*~*~*~*~*~*~*~*~*


Thanks!

March 07, 2011

Monday


When: Monday, March 07, 2011 9:15 AM-10:00 AM (UTC-05:00) Eastern Time (US &Canada).

Where: 503


*~*~*~*~*~*~*~*~*~*


(b) (5)




Cordray, Richard (CFPB)


Monday

10:00 AM - 11:00 AM Meeting with Raj Date, Len Kennedy, Nani Coloretti, Rich Cordray, Peggy Twohig, Steve Antonakes, Sartaj

Alag, Wally Adeyemo, Anna Canfield, and Dan Geldon -- 1801 L St. (Conference Room 503)

When: Occurs every Monday effective 3/7/2011 from 10:00 AM to 11:00 AM(UTC-05:00) Eastern Time (US & Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*




*~*~*~*~*~*~*~*~*~*




Where: 501


*~*~*~*~*~*~*~*~*~*


Guys,


Thanks!

Meredith

12:30 PM - 1:00 PM interview -- Rich's office

When: Monday, March 07, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Rich's office


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)

(b) (6)

(b) (6)






Monday

OriLucyLucy’s office @ 11:30

Alice

MeredithAlice’s office @ 12:00

RichRich’s office @ 12:30

1:30 PM - 2:00 PM Interview (Fair Lending) -- Group A: Raj's Office 548

When: Monday, March 07, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Group A: Raj's Office 548


*~*~*~*~*~*~*~*~*~*

Group A

RajRich

Raj’s Office 548

Group BWallyMeredith


Group C

PeggySteve

Peggy’s Office 563

2:00 PM - 2:30 PM -- Richard's office

When: Monday, March 07, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Richard's office


(b) (6)

(b) (6)

(b) (6)






Monday

*~*~*~*~*~*~*~*~*~*

OriLucyLucy’s office@1:00pm

JoannaAliceAlice’s office @ 1:30

Richard

Richard’s office@ 2:00

2:30 PM - 3:00 PM Interview (Fair Lending) -- Group A: Len Kennedy's Office 521

When: Monday, March 07, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Group A: Len Kennedy's Office 521


*~*~*~*~*~*~*~*~*~*

Group A:LenRich

Len’s Office 521 @ 2:30

Group B:WallyPeggy

Wally’s Office 540 @ 3:00

Group CRajSteve

(b) (6)

(b) (6)

(b) (6)






Monday

Raj’s Office 548 @ 3:30

2:45 PM - 3:45 PM Meeting with New York Attorney General Eric Schneiderman and California Attorney General Kamala

Harris -- 1801 L St. (550)

When: Monday, March 07, 2011 2:45 PM-3:45 PM (UTC-05:00) Eastern Time(US & Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*


When: Monday, March 07, 2011 3:30 PM-4:00 PM (UTC-05:00) Eastern Time(US & Canada).

Where: Richard's office


*~*~*~*~*~*~*~*~*~*

OriLucyLucy’s office @ 2:30pm

JoannaAliceAlice’s office @ 3:00


4:00 PM - 4:30 PM Team Strategy Meeting -- 501When: Monday, March 07, 2011 4:00 PM-4:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 501


*~*~*~*~*~*~*~*~*~*

(b) (6) (b) (6)

(b) (6)






Monday

5:00 PM - 5:30 PM FW: Enforcement Workforce Planning Meeting -- 1801 L St. (550)

When: Monday, March 07, 2011 5:00 PM-5:30 PM (UTC-05:00) Eastern Time (US &Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

-----Original Appointment-----From: Martin, Alyssa (CFPB) On Behalf Of Warren, Elizabeth (CFPB)Sent: Friday, J anuary 21, 2011 5:13 PM

To: Cordray, Richard (CFPB); Adeyemo, Adewale (Wally) (CFPB)Cc: Morris, Lucy (CFPB); Lev, Ori (CFPB); Pearl, J oanna (CFPB); Osborn, Meredith(CFPB); Healey, J ean (CFPB)Subject: Enforcement Workforce Planning MeetingWhen: Monday, March 07, 2011 5:00 PM-5:30 PM (UTC-05:00) Eastern Time (US &Canada).

Where: 1801 L St. (550)

March 08, 2011

Tuesday

9:00 AM - 10:00 AM NAAG Spring Meeting -- Fairmont Hotel, Washington, DC

When: Tuesday, March 08, 2011 9:00 AM‐10:00 AM (GMT‐05:00) Eastern Time (US &

Canada).

Where: Fairmont Hotel, Washington, DC


*~*~*~*~*~*~*~*~*~*




*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (5)






Tuesday

Ori

LucyLucy’s office @11:00

MeredithAliceAlice’s office @ 11:30

Richard Richard’s office @12:00

1:00 PM - 1:30 PM Chat with Ori -- Rich's OfficeWhen: Tuesday, March 08, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Rich's Office


*~*~*~*~*~*~*~*~*~*

Is this a good time to touch base?

1:30 PM - 2:30 PM Meeting w Assn of Mortgage Investors -- 1801 L NW, Room 501

Per Chris Katopis, the contact on their end, to provide perspective on mortgage servicingissues, 327-8100

1:30 PM - 2:00 PM FW: Interview (Fair Lending) -- Group A: Wally's Office 540

When: Tuesday, March 08, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Group A: Wally's Office 540


*~*~*~*~*~*~*~*~*~*

At 2:30pm, will be in Raj’s office (548) and you may join that interview session.

-----Original Appointment-----From: Williams, Anya (CFPB)Sent: Monday, February 28, 2011 9:13 AMTo: Williams, Anya (CFPB); Cordray, Richard (CFPB); Adeyemo, Adewale (Wally) (CFPB)Subject: Interview (Fair Lending)When: Tuesday, March 08, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada).Where: Group A: Wally's Office 540

(b) (6)

(b) (6)

(b) (6)

(b) (6)






Tuesday

MeredithConference room 501 @2:30

Richard CJean HealeyRichard’s office@ 3:00

Peggy Twohig @ 3:30Conference room 7001

4:30 PM - 5:00 PM Weekly Invitation/Outreach Meeting

When: Occurs every Tuesday effective 3/1/2011 from 4:30 PM to 5:00 PM (UTC-05:00)Eastern Time (US & Canada).


*~*~*~*~*~*~*~*~*~*

Good morning all –

I wanted to institute a weekly meeting to touch base on invitations and upcoming events

for Rich – thought this would help make sure that we address everything that comes in.

Let me know if this time doesn’t work for folks,

Leandra

5:30 PM - 7:00 PM NAAG Sup Ct Reception -- US Supreme Court Bldg, Maryland Avenue entrance

March 09, 2011

Wednesday

8:30 AM - 9:30 AM NAAG Chief Deputies/Staff Breakfast -- Fairmont Hotel

When: Wednesday, March 09, 2011 8:30 AM‐9:30 AM (GMT‐05:00) Eastern Time (US &

Canada).

Where: Fairmont Hotel


*~*~*~*~*~*~*~*~*~*

(b) (5)






Wednesday

10:00 AM - 11:00 AM FW: Handling Confidential MOU Information -- Full Disclosure

When: Wednesday, March 09, 2011 10:00 AM-11:00 AM (UTC-05:00) EasternTime (US & Canada).Where: Full Disclosure


*~*~*~*~*~*~*~*~*~*

-----Original Appointment-----From: Breslaw, April (CFPB)Sent: Monday, March 07, 2011 5:25 PMTo: Lombardo, Christopher; Antonellis, Sherry (CFPB); Geary, John (CFPB); Twohig,Peggy (CFPB); Chow, Edwin (CFPB); Hrdy, Alice (CFPB); Morris, Lucy (CFPB); Rexroth,Mariana (CFPB); Vanderslice, Julie (CFPB); Young, ChristopherCc: Antonakes, Steve (CFPB); Burniston, Tim (CFPB); Osborn, Meredith (CFPB); Fuchs,

Meredith (CFPB); Lepley, Richard (CFPB); Coleman, John (CFPB); Krafft, Nicholas (CFPB);Chopra, Rohit (CFPB); Marshall, Mira (CFPB); Sterken, Nathan (CFPB)Subject: Handling Confidential MOU InformationWhen: Wednesday, March 09, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US& Canada).Where: Full Disclosure

11:30 AM - 11:45 AM FDIC MOU -- Rich's office

When: Wednesday, March 09, 2011 11:30 AM‐11:45 AM (GMT‐05:00) Eastern Time (US

& Canada).

Where: Rich's office


*~*~*~*~*~*~*~*~*~*

Meredith Fuchs asked me to check in with you guys about this MOU. The FDIC has asked

for some changes that I’d like to run by you both. Can we chat for about 15 minutes

tomorrow?

Thanks!

Meredith

(b) (5)






Wednesday

1:00 PM - 1:30 PM Follow Up Meeting re Enforcement Issues - - Len's Office

When: Wednesday, March 09, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Len's Office


*~*~*~*~*~*~*~*~*~*


When: Wednesday, March 09, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US &Canada).Where: Len's Office


*~*~*~*~*~*~*~*~*~*

March 10, 2011

Thursday

9:00 AM - 10:00 AM Policy Meeting -- 1801 L St. (Conference Room 503)

When: Thursday, March 10, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time (US &Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*

11:45 AM - 1:15 PM Lunch Meeting with Richard Davis (President and CEO, US Bancorp) -- 2316MT

When: Thursday, March 10, 2011 11:45 AM-1:15 PM (UTC-05:00) Eastern Time(US & Canada).Where: 2316MT


*~*~*~*~*~*~*~*~*~*

US Bancorp Staff:

Richard Hartnack, Consumer & Small Business Banking

Daniel Arrigoni, US Bank Home Mortgage

Bob Smiley, VP of Loan Administration for US Bank Home Mortgage






Thursday

1:00 PM - 2:00 PM Regular Enforcement-GC Meeting -- 701

When: Thursday, March 10, 2011 1:00 PM-2:00 PM (GMT-05:00) Eastern Time (US &Canada).Where: 701


*~*~*~*~*~*~*~*~*~*

NOTE: We are meeting upstairs in Room 701.

2:00 PM - 2:30 PM Mandatory meeting w/Wally -- 7001

When: Thursday, March 10, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 7001


*~*~*~*~*~*~*~*~*~*

2:30 PM - 3:00 PM NAAG Spring Meeting Brainstorm -- 557



*~*~*~*~*~*~*~*~*~*

How about earlier that day at 3pm?

3:00 PM - 3:30 PM interview -- Lucy's office

When: Thursday, March 10, 2011 4:00 PM-4:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Richard's office


*~*~*~*~*~*~*~*~*~*


(b) (6)

(b) (6)






Thursday

JoannaMeredithConference room 501 @ 3:30


3:30 PM - 3:45 PM Follow up -- Rich's office

When: Thursday, March 10, 2011 3:30 PM-3:45 PM (UTC-05:00) Eastern Time(US & Canada).Where: Rich's office


*~*~*~*~*~*~*~*~*~*

Do you have a few minutes to chat before you leave? I was hoping to just stop by but youseem pretty booked today.

March 11, 2011

Friday






*~*~*~*~*~*~*~*~*~*


Thanks!

5:30 PM - 7:00 PM Nani Coloretti Departure Party -- 8003

When: Friday, March 11, 2011 5:30 PM-7:00 PM (UTC-05:00) Eastern Time (US& Canada).Where: 8003


*~*~*~*~*~*~*~*~*~*





March 14, 2011

Monday




*~*~*~*~*~*~*~*~*~*


10:00 AM - 11:00 AM Meeting with Raj Date, Len Kennedy, Nani Coloretti, Rich Cordray, Peggy Twohig, Steve Antonakes, Sartaj

Alag, Wally Adeyemo, Anna Canfield, and Dan Geldon -- 1801 L St. (701)

When: Monday, March 14, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US &Canada).Where: 1801 L St. (701)


*~*~*~*~*~*~*~*~*~*

10:00 AM - 11:00 AM Mtg w Previn Warren 10:15 here




*~*~*~*~*~*~*~*~*~*




Where: 501

Note: The

GMT

offset

above

does

not

reflect

daylight

saving

time

adjustments.

*~*~*~*~*~*~*~*~*~*


Guys,


Thanks!

Meredith

(b) (6)

(b) (6)

(b) (6)






Monday


*~*~*~*~*~*~*~*~*~*

6:00 PM - 7:00 PM Policy Mtg. -- 503

When: Monday, March 14, 2011 6:00 PM-7:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 503


*~*~*~*~*~*~*~*~*~*

More details to come on the agenda/format of the meeting

March 15, 2011

Tuesday

10:30 AM - 11:30 AM FW: Meeting with ABA Administrative Law Section Taskforce on Financial Markets Regulation -- Full

Disclosure Concerence Room 503

When: Tuesday, March 15, 2011 10:30 AM-11:30 AM (UTC-05:00) Eastern Time(US & Canada).Where: Full Disclosure Concerence Room 503


*~*~*~*~*~*~*~*~*~*

Rich – let me know if you’d still like me to attend

-----Original Appointment-----From: Fuchs, Meredith (CFPB)Sent: Tuesday, March 01, 2011 1:07 PMTo: Fuchs, Meredith (CFPB); Kennedy, Leonard (CFPB); Cochran, Kelly (CFPB); Cordray,Richard (CFPB); Gonzalez, Roberto; English, Leandra (CFPB); Martinez, Zixta (CFPB); FullDisclosure Conference Room 503; Lev, Ori (CFPB)Subject: Meeting with ABA Administrative Law Section Taskforce on Financial MarketsRegulationWhen: Tuesday, March 15, 2011 10:30 AM-11:30 AM (UTC-05:00) Eastern Time (US &

Canada).Where: Full Disclosure Concerence Room 503

When: Tuesday, March 15, 2011 10:30 AM-11:30 AM (UTC-05:00) Eastern Time(US & Canada).Where: Full Disclosure Concerence Room 503







Tuesday

*~*~*~*~*~*~*~*~*~*

A conflict arose, so I am changing the date for this meeting.

*********




*~*~*~*~*~*~*~*~*~*



Richard Richard’s office @12:30

1:00 PM - 2:00 PM Policies and Procedures -- 523



*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)

(b) (5)






Tuesday

2:00 PM - 2:30 PM Fair Lending Interviews -- 501



*~*~*~*~*~*~*~*~*~*

2:30 PM - 3:00 PM Check-In w/Wally -- 540



*~*~*~*~*~*~*~*~*~*




*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (5)

(b) (6)






Tuesday


JoannaMeredith

Conference room 501@ 2:30


5:30 PM - 7:00 PM Policy Topics -- 503



*~*~*~*~*~*~*~*~*~*

March 16, 2011

Wednesday

9:00 AM - 10:00 AM Enforcement Team Meeting (cont'd) -- 523 - Accountability Conference Room

When: Wednesday, March 16, 2011 9:00 AM‐10:00 AM (GMT‐05:00) Eastern Time (US &

Canada).

Where: 523

‐Accountability

Conference

Room


*~*~*~*~*~*~*~*~*~*

10:00 AM - 11:30 AM Testimony Viewing -- 7001

When: Wednesday, March 16, 2011 10:00 AM-11:30 AM (UTC-05:00) EasternTime (US & Canada).Where: 7001


*~*~*~*~*~*~*~*~*~*

We are holding a viewing session of Professor Warren’s testimony on Wednesday March16th in Conference room 7001. Keep in mind that seating will be limited.

Thank You,






Wednesday

Anya

10:00 AM - 10:45 AM Meeting with International Visitor Leadership Program -- 503

When: Wednesday, March 16, 2011 10:00 AM-10:45 AM (UTC-05:00) Eastern Time (US& Canada).Where: 503


*~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM interview -- Rich's office

When: Wednesday, March 16, 2011 11:00 AM-11:30 AM (UTC-05:00) EasternTime (US & Canada).Where: Rich's office


*~*~*~*~*~*~*~*~*~*


MeredithJoannaConference room 501 @ 10:30


11:30 AM - 12:30 PM Meet: Non-DI/Enforcement continued conversation -- 523

When: Wednesday, March 16, 2011 11:30 AM-12:30 PM (UTC-05:00) EasternTime (US & Canada).Where: 523


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)






Wednesday

1:00 PM - 2:00 PM Second IT Demo, Rm 7002


When: Wednesday, March 16, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time(US & Canada).

Where: Richard's office


*~*~*~*~*~*~*~*~*~*




2:30 PM - 3:00 PM

3:00 PM - 4:00 PM NAAG Working Group Call -- 523

When: Wednesday, March 16, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 523


*~*~*~*~*~*~*~*~*~*

Let’s gather in Room 523 for the call, but if anyone needs to call in separately, here’s theinfo:

(b) (6)

(b) (6)

(b) (5)

(b) (6)






Wednesday

The NAAG working group consists of:

Jennifer Epperson (NC)Patrick Madigan (IA)Abigail Kuzuma (IN)

Gordon Durnil (IN)James Sugarman (WA)Debbie Hagan (IL)


When: Occurs every Wednesday effective 2/23/2011 from 4:00 PM to 4:45 PM(UTC-05:00) Eastern Time (US & Canada).Where: Len's Office


*~*~*~*~*~*~*~*~*~*

5:00 PM - 5:30 PM Mtg w Peggy & Steve

March 17, 2011

Thursday




*~*~*~*~*~*~*~*~*~*


MeredithJoannaConference room 501@ 11:30

Richard’sRichard’s office @ 12:00

(b) (6)

(b) (6)






Thursday

1:30 PM - 2:30 PM Meeting with Ralph Nader -- 2316MT

When: Thursday, March 17, 2011 1:30 PM-2:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 2316MT


*~*~*~*~*~*~*~*~*~*

Attendees:

Robert Weissman (President, Public Citizen)

Public Citizen is a member of Americans for Financial Reform (http://citizen.org/)

Rob authored a 200 page plus report titled “Sold Out” about how Washington

and Wall Street betrayed America (http://www.wallstreetwatch.org)

John Richard (Attorney, Center for Study of Responsive Law)

Theresa Amato (Executive Director, Citizen Works)

Amato, a graduate of NYU Law and Harvard College, is the executive director of

Citizen Works (citizenworks.org), the project director of Fair Contracts

(faircontracts.org), and the founder of the Citizen Advocacy Center

(citizenadvocacycenter.org)

1:30 PM - 2:00 PM Weekly Invitation/Outreach Meeting --

When: Thursday, March 17, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US &Canada).


*~*~*~*~*~*~*~*~*~*

Given testimony prep, and the relatively light load of invitations, I am postponing ourinvitations meeting this week.

Apologies for the late notice, and hope that this new time works for all.

Leandra




*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)






Thursday


Joanna

MeredithConference room 501@ 3:00


March 18, 2011

Friday

1:00 PM - 2:00 PM MOU Discussion -- 7001

When: Friday, March 18, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time (US

& Canada).Where: 7001


*~*~*~*~*~*~*~*~*~*

Agenda: Discussion of the status of negotiations of MOUs with Federal banking agencies.



Eastern Time

(US

&

Canada).



*~*~*~*~*~*~*~*~*~*


Thanks!

(b) (6)






Friday

March 21, 2011

Monday



Where: 7003


*~*~*~*~*~*~*~*~*~*


10:00 AM - 11:00 AM Meeting with Raj Date, Len Kennedy, Catherine West, Rich Cordray, Peggy Twohig, Steve Antonakes,

Sartaj Alag, Wally Adeyemo, Anna Canfield, and Dan Geldon -- CONFERENCE CALL


Where: CONFERENCE CALL


*~*~*~*~*~*~*~*~*~*




*~*~*~*~*~*~*~*~*~*

11:30 AM - 12:00 PM Transparency Working Group -- 501

When: Monday, March 21, 2011 11:30 AM-12:00 PM (GMT-05:00) Eastern Time (US &Canada).Where: 501


*~*~*~*~*~*~*~*~*~*

Peggy, Steve, and Rich – we want to brief you on the attached (slightly revised) memo toEW re transparency.

(b) (5)

(b) (6)

(b) (6)

(b) (6)






Monday

*~*~*~*~*~*~*~*~*~*

4:30 PM - 5:00 PM NCRC Conference Preparation -- Rich's office

When: Monday, March 21, 2011 4:30 PM-5:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Rich's office


*~*~*~*~*~*~*~*~*~*

Hi Rich,

Meredith left some materials with me about your participation in the NCRC Conferencethat we need to send out by mid-week. Could I swing by at 4:30 today to discuss briefly?

Thanks, J oanna

March 22, 2011

Tuesday

9:00 AM - 9:30 AM Planning for Cross-OGC/Enforcement Attorneys -- Rich's Office

When: Tuesday, March 22, 2011 9:00 AM-9:30 AM (UTC-05:00) Eastern Time(US & Canada).Where: Rich's Office


*~*~*~*~*~*~*~*~*~*

11:30 AM - 12:00 PM Call-In to Ohio Consumer Law Task Force Meeting to speak re Bureau -- 1-800-589-5888 x103

Per Linda Cook, 614-221-7201 x124 at the Ohio Poverty Law Center

This is foreclosure advocates from the legal aid community

12:00 PM - 1:00 PM IDEO Consumer Experience Brown Bag -- 503 Full Disclosure

When: Tuesday, March 22, 2011 12:00 PM-1:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 503 Full Disclosure


*~*~*~*~*~*~*~*~*~*

Do you want to be Innovative?






Tuesday

Do you want to deliver an Amazing Experience?

Do you want people to Rave about CFPB?

Join us on Tuesday 3/22 for a brown bag lunch with the consumer experience

team

from

IDEO.http://www.ideo.com/work/

(Come early for a good seat!)CFPB has selected IDEO as our consumer experience and branding

partner. They will be working with us in the coming months to help us

think about

and

design

our

consumer

experience

and

overall

brand

persona. This lunch is open to the entire CFPB (though space is

obviously limited), so if you’re interested in learning more about IDEO

and what we’ll be doing with them, please join us.




*~*~*~*~*~*~*~*~*~*

Ori

(b) (6)

(b) (6)






Tuesday

LucyLucy’s office @ 12:00






*~*~*~*~*~*~*~*~*~*

MichaelRobertoMeredith’s office @ 1:30

LenLen’s office @ 2:00



JoannaJean

Conference room 501 @ 3:30

3:00 PM - 3:30 PM

5:00 PM - 5:30 PM Complaints-handling MOU -- Full Disclosure Conference Room 503

When: Tuesday, March 22, 2011 5:00 PM-5:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Full Disclosure Conference Room 503

(b) (6)

(b) (6)






Tuesday


*~*~*~*~*~*~*~*~*~*

March 23, 2011

Wednesday

9:00 AM - 10:00 AM Org Chart -- Room 501

When: Wednesday, March 23, 2011 9:00 AM-10:00 AM (UTC-05:00) EasternTime (US & Canada).Where: Room 501


*~*~*~*~*~*~*~*~*~*

11:30 AM - 12:30 PM Regular Non-DI/Enforcement Meeting -- 7001

When: Wednesday, March 23, 2011 11:30 AM-12:30 PM (UTC-05:00) Eastern Time (US& Canada).Where: 7001


*~*~*~*~*~*~*~*~*~*


When: Wednesday, March 23, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Richard's office


(b) (2)

(b) (6)






Wednesday

*~*~*~*~*~*~*~*~*~*


JoannaJeanConference room 523@1:00

Richard Richard’s office@ 1:30


When: Wednesday, March 23, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Richard's office


*~*~*~*~*~*~*~*~*~*


JeanJoannaConference room 523 @ 2:30




(b) (6)

(b) (6)

(b) (6)






Wednesday


*~*~*~*~*~*~*~*~*~*


March 24, 2011

Thursday

10:00 AM - 10:30 AM interview -- Rich's office

When: Thursday, March 24, 2011 10:00 AM-10:30 AM (UTC-05:00) EasternTime (US & Canada).Where: Rich's office


*~*~*~*~*~*~*~*~*~*

RichRich’s office @ 10:00

LucyKentLucy’s office @ 10:30

JoannaJeanConference room 501 @ 11:00

10:30 AM - 11:00 AM Operations Plan Modeling – Estimating Staff and External Services Over Time -- CR-7002

When: Thursday, March 24, 2011 10:30 AM-11:00 AM (UTC-05:00) EasternTime (US & Canada).Where: CR-7002


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)






Thursday




*~*~*~*~*~*~*~*~*~*


JoannaConference room 523 @ 2:30


March 25, 2011

Friday

9:00 AM - 10:00 AM Org Chart, Part Deux -- Room 501

When: Friday, March 25, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time(US & Canada).Where: Room 501


*~*~*~*~*~*~*~*~*~*

Rich and I will participate by phone (someone will have to help me with the logistics on

that). I will have at least one additional document to you to support the conversation

that begins to lay out functions under position types.

Kent

1:00 PM - 3:00 PM Enforcement Strategic Plan -- Room 523

When: Friday, March 25, 2011 1:00 PM-3:00 PM (UTC-05:00) Eastern Time (US& Canada).Where: Room 523


(b) (6)

(b) (6)






Friday

*~*~*~*~*~*~*~*~*~*

Group –

Rich asked me to get this on the calendar for Friday. I know that Ori has a conflict from

1‐2,

but

we’ll

either

proceed

without

him

or

he

can

see

if

he

can

clear

that

conflict.

Everyone else is available during this window. My hope would be that we could conclude

before 3:00 to take a short break before starting up again with hiring at 3:00.

Our primary focus will be Lucy’s current “deck” but if other believe that there are other

documents we should all have in front of us for this conversation, please send around an

email to that effect.

Thanks!

Kent






*~*~*~*~*~*~*~*~*~*


Thanks!

March 28, 2011

Monday


When: Monday, March 28, 2011 9:15 AM-10:00 AM (UTC-05:00) Eastern Time (US &Canada).Where: 10003


*~*~*~*~*~*~*~*~*~*


10:00 AM - 11:00 AM Meeting with Raj Date, Len Kennedy, Catherine West, Rich Cordray, Peggy Twohig, Steve Antonakes,

Sartaj Alag, Wally Adeyemo, Anna Canfield, and Dan Geldon -- 1801 L St. (Conference Room 7001)

When: Monday, March 28, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US &Canada).Where: 1801 L St. (Conference Room 7001)


*~*~*~*~*~*~*~*~*~*






Monday

11:00 AM - 11:45 AM Meeting with Preet Bharara (US Attorney for the Southern District of NY) -- 1801 L St. (550)

When: Monday, March 28, 2011 11:00 AM-11:45 AM (UTC-05:00) Eastern Time(US & Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*



Where: Full Disclosure Room 503 - call-in #


*~*~*~*~*~*~*~*~*~*

------------------------------------------------------------------------------------------------ The schedule and electronic copies of presentations can be found here:http://treas.treasecm.gov/do/cfpb/polmgt/Documents/Forms/AllItems.aspx



(GMT‐

05:00)

Eastern

Time

(US

&

Canada).Where: 501


*~*~*~*~*~*~*~*~*~*


Guys,


Thanks!

Meredith

1:00 PM - 2:00 PM FW: Foreclosures Update -

When: Monday, March 28, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time(US & Canada).Where:


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)

(b) (6)

(b) (6)






Monday

Rich: I will plan to call in and report back.

Lucy

-----Original Appointment-----

From: Goldstein, JeffreySent: Monday, March 28, 2011 9:48 AMTo: Goldstein, Jeffrey; 'Amy Snipes'; Apsel, Sarah; Barr, MichaelDisabled; 'Brian Hauck';Caldwell, Phyllis; D'Angelo, Chris; 'David Becker'; 'David Vladeck';'[email protected]'; 'Debbie Matz'; Dakin, Deborah; Foster, Jeff; Graves, Donet(Don); Gardineer, Grovetta; 'Helen R Kanovsky ([email protected])'; Hunt, Anita Maria; 'James Parrott'; 'James Watkins'; 'Jason Cave'; Johnson, Rhonda; Williams,Julie L; Kinard, Yvette; Ugoletti, Mario; 'Meredith Cross'; Miller, Sarah; Morris, Lucy(CFPB); Delfin, Ricardo; '[email protected]'; 'Robb Adkins';'[email protected]'; Schaffer, Laurie; '[email protected]'; Seymour, Niya;'[email protected]'; Long, Timothy W; Wrennall-Montes, Sally;'[email protected]'; 'Alfred Pollard'; 'LOVE, MELINDA A'; 'Brown, Allison'; Kingsley,

Darius; Hrdy, Alice (CFPB); Trebat, Gabrielle; Massad, Timothy; Stipano, Daniel P; 'Bott, Vicki B'; 'Gorman, Frank'; '[email protected]'; Quigley, Lori J; 'Smith,Damon Y'Subject: Foreclosures UpdateWhen: Monday, March 28, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada).Where:

When: Monday, March 28, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time(US & Canada).Where:


*~*~*~*~*~*~*~*~*~*

DOJ is hosting.




*~*~*~*~*~*~*~*~*~*

(b) (6) (b) (6)

(b) (6)

(b) (6)

(b) (6)






Monday

OriLucyLucy’s office @1:00

JoannaConference room 523 @ 1:30


2:30 PM - 3:00 PM Check In with Rich Cordray -- 1801 L St. (550)



*~*~*~*~*~*~*~*~*~*

3:30 PM - 4:00 PM nterview -- Richard's office



*~*~*~*~*~*~*~*~*~*




(b) (6)

(b) (6)






Monday

4:00 PM - 5:00 PM

5:00 PM - 6:00 PM Mtg w R.I. Treasurer Gina Raimondo, Robin) also Joy Mandarin

Hotel, 1330 Maryland Ave SW

6:00 PM - 6:30 PM

6:30 PM - 6:45 PM Follow Up Meeting with Rich Cordray -- 1801 L St. (550)



*~*~*~*~*~*~*~*~*~*

(b) (6) (b) (6)

(b) (5)

(b) (5)






Monday

March 29, 2011

Tuesday

10:30 AM - 12:00 PM Enforcement Workforce Planning -- _RS_CR_1801LST_7002(702)

When: Tuesday, March 29, 2011 10:30 AM-12:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: _RS_CR_1801LST_7002(702)


*~*~*~*~*~*~*~*~*~*




*~*~*~*~*~*~*~*~*~*


MeredithJoannaConference room 523@ 11:30

Richard


1:00 PM - 2:15 PM Confirmed: AFR Meeting re Nat'l Srvcg Standards -- 7003



(b) (6)

(b) (6)






Tuesday

*~*~*~*~*~*~*~*~*~*




*~*~*~*~*~*~*~*~*~*




2:30 PM - 3:30 PM Strategic Plan - Initial Priorities -- 803



*~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM Weekly Invitation/Outreach Meeting --

When: Tuesday, March 29, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US &Canada).


(b) (6)

(b) (6)

(b) (5)






Tuesday

*~*~*~*~*~*~*~*~*~*

Good afternoon –

Switching this until 3:00, per Rich’s schedule.

Many thanks,

Leandra

3:45 PM - 4:05 PM Hill Briefing -- Rich's Office - 557

When: Tuesday, March 29, 2011 3:45 PM-4:05 PM (UTC-05:00) Eastern Time(US & Canada).Where: Rich's Office - 557


*~*~*~*~*~*~*~*~*~*

Schedule - Wednesday, March 30, 2011

8:30 am Senator Rob Portman (R-OH)Senior staff will be in attendanceLocation: TBDContact: Nick Butterfield, 224-7452

10:30 am Congressman John Carney, (D-DE)Staff in attendance: Sam Hodas, LD1429 Longworth House Office Building

Contact: Katie Paisley, 225-4165

11:15 am Congressman Ruben Hinojosa (D-TX)2262 Rayburn House Office Building

Contact: Chris Oropeza, 225-2531

12:00 pm Lunch

1:30 pm Congressman Gregory Meeks (D-NY)2234 Rayburn House Office Building

Contact: Kim Fuller, 225-3461

2:15 pm Congressman Melvin Watt (D-NC)2304 Rayburn House Office Building

Contact: Keith Kelly, 225-1510

3:30 pm Congresswoman Carolyn McCarthy (D-NY)2346 Rayburn House Office Building

Contact: Ellen McNamara, 225-5516






Tuesday

4:30 PM - 6:30 PM DOJ Mtg -- DOJ

March 30, 2011

Wednesday

9:00 AM - 3:30 PM RC Hill Meetings

9:00 AM - 10:00 AM OC.3 -- 7002



*~*~*~*~*~*~*~*~*~*

11:30 AM - 12:30 PM Regular Non-DI/Enforcement Meeting -- 7001

When: Occurs every Wednesday effective 3/23/2011 from 11:30 AM to 12:30 PM(UTC-05:00) Eastern Time (US & Canada).Where: 7001


*~*~*~*~*~*~*~*~*~*




*~*~*~*~*~*~*~*~*~*


March 31, 2011

Thursday

10:15 AM - 11:00 AM Meeting with Chris Barry-Smith, Chief of PPAB for Mass AG -- Rich's Office

When: Thursday, March 31, 2011 10:15 AM‐11:00 AM (UTC‐05:00) Eastern Time (US &

Canada).

Where: Rich's Office






Thursday


*~*~*~*~*~*~*~*~*~*

11:00 AM - 3:00 PM Briefing on issues in mortgage servicing and bank walkaways -- 503

When: Thursday, March 31, 2011 11:00 AM-3:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 503


*~*~*~*~*~*~*~*~*~*

Prof. Frank Alexander at Emory University Law School has specifically organized for

everyone at CFPB working in the area a special briefing on issues in mortgage servicing.In addition to Prof. Alexander, Kevin Byers, an Atlanta forensic accountant specializing in problems in the servicing industry and Dr. Daniel Immergluck, an expert in mortgageregulation, will conduct the briefing. I urge as many of us as possible to attend. Thelocation is near our offices.

12:00 PM - 1:00 PM Lunch with Rich Cordray -- TBD

When: Thursday, March 31, 2011 12:00 PM-1:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: TBD


*~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM Meet with -- 557



*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)

(b) (6)






Thursday

2:00 ‐ Peggy Twohig (563)

2:30 – David Silberman (536)

3:00 – Richard Cordray (557)

3:30 – Pat McCoy (530)

4:00 – Travel to Main Treasury

4:30 – Elizabeth

Warren

(2316MT)

3:30 PM - 4:00 PM Bob Niemi OMBA -- Mayflower

4:00 PM - 5:00 PM Discuss Potential Consumer Response Roll Out Schedule -- Rich's Office

When: Thursday, March 31, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Rich's Office


*~*~*~*~*~*~*~*~*~*

It will probably be 4:15 but I don’t know how to make an appointment that shows4:15….see you then!

PS bring whomever you might want of course….

5:00 PM - 5:30 PM Meet re draft policy on self-directed research -- 557



*~*~*~*~*~*~*~*~*~*

(b) (5)




Patricia McCoy Responsive Records




1 4/4/2011 10:12 AMMcCoy, Patricia (CFPB)

October 26, 2010

Tuesday

9:30 AM - 10:00 AM All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM(UTC-05:00) Eastern Time (US & Canada).Where: 7002


*~*~*~*~*~*~*~*~*~*

November 02, 2010

Tuesday


When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM(UTC-05:00) Eastern Time (US & Canada).

Where: 7002


*~*~*~*~*~*~*~*~*~*

4:30 PM - 5:30 PM REMINDER PIV badge activation for 1801 L -- Conference room 533 (Dodd-Frank)

A number of you have HSPD 12 PIV badges that are not activated for 1801 L (either you just received one or it was issued through another agency). We will have someone fromKastle here on Tues afternoon with an enrolling station set up to activate your badges.Please swing by the conference room with your badges at some point between 4:30-5:30.

You must have the PIN number you were assigned when you received your badge.

We will have other opportunities to enroll your badge in the future if you can’t make thistime.

Thanks.

November 03, 2010

Wednesday

2:00 PM - 3:00 PM Personal:

November 04, 2010

Thursday

9:30 AM - 10:30 AM mortgages -- Pat's office or nearby conference room

When: Thursday, November 04, 2010 9:30 AM-10:30 AM (UTC-05:00) EasternTime (US & Canada).Where: Pat's office or nearby conference room

(b) (6)





November 04, 2010 Continued

Thursday

4:00 PM - 5:30 PM `

4:00 PM - 5:30 PM Mortgage Disclosure Roundtable -- 4125

When: Thursday, November 04, 2010 4:00 PM-5:30 PM (UTC-05:00) EasternTime (US & Canada).

Where: 4125


*~*~*~*~*~*~*~*~*~*

4:00 PM - 5:30 PM Treasury roundtable

November 08, 2010

Monday

11:00 AM - 12:00 PM Personal:

November 09, 2010

Tuesday




*~*~*~*~*~*~*~*~*~*

November 11, 2010

Thursday


November 12, 2010

Friday

11:00 AM - 12:15 PM Hud foreclosure database project -- Alejandra

12:15 PM - 1:30 PM HUD-CFPB -- Rm 503, Full Disclosure Conference Room

When: Friday, November 12, 2010 12:15 PM-1:30 PM (GMT-05:00) Eastern Time (US &Canada).Where: Rm 503, Full Disclosure Conference Room

(b) (6)

(b) (6)






Friday


*~*~*~*~*~*~*~*~*~*

Treasury/Urban pre-meeting at 12:15pmMeeting with Kurt to begin at 12:30pm.

Kurt G. Usowski, Ph.D.Deputy Assistant Secretary for Economic AffairsU.S. Department of Housing and Urban [email protected]

Meeting Contact: Alejandra Lopez-Fernandini

November 16, 2010

Tuesday




*~*~*~*~*~*~*~*~*~*

November 18, 2010Thursday

2:30 PM - 3:00 PM Travel office -- Main treasury


November 19, 2010

Friday

11:30 AM - 1:00 PM Bill Apgar Lunch

3:00 PM - 3:30 PM Peter Jackson

November 22, 2010

Monday

10:30 AM - 11:00 AM Personal:

(b) (6)

(b) (6)






Monday


November 30, 2010

Tuesday

9:30 AM - 10:00 AM All Hands Meeting -- 7002When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM(UTC-05:00) Eastern Time (US & Canada).Where: 7002


*~*~*~*~*~*~*~*~*~*

December 02, 2010Thursday

3:30 PM - 4:15 PM Discuss IPA -- Marilyn's Office

When: Thursday, December 02, 2010 3:30 PM-4:15 PM (UTC-05:00) Eastern Time (US& Canada).Where: Marilyn's Office


*~*~*~*~*~*~*~*~*~*

Pat

Sorry to move this meeting again but Pam and I now have to attend a meeting at theFederal Reserve tomorrow afternoon. Can we please move our meeting until 3:30?

Thanks

Marilyn

December 09, 2010

Thursday

5:30 PM - 6:30 PM Courtney scala -- Lobby

7:00 PM - 9:00 PM Private:

December 15, 2010

Wednesday


When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM(UTC-05:00) Eastern Time (US & Canada).

(b) (6)

(b) (6)

(b) (6)





December 15, 2010 Continued

Wednesday

Where: 7002


*~*~*~*~*~*~*~*~*~*

December 17, 2010

Friday

10:00 AM - 11:30 AM Updated: discuss mortgage disclosures

Maybe even get some coffee

December 21, 2010

Tuesday




*~*~*~*~*~*~*~*~*~*

December 27, 2010Monday

10:00 AM - 10:30 AM Call with Pat McCoy

When: Monday, December 27, 2010 10:00 AM-10:30 AM (UTC-05:00) EasternTime (US & Canada).


*~*~*~*~*~*~*~*~*~*

Prof. Warren will call Pat’s landline.

10am ET, 7am PT

December 28, 2010

Tuesday







December 28, 2010 Continued

Tuesday


*~*~*~*~*~*~*~*~*~*

January 03, 2011

Monday




*~*~*~*~*~*~*~*~*~*

January 06, 2011

Thursday

2:00 PM - 3:00 PM -- Raj

3:00 PM - 3:30 PM Prep for 1/10 disclosure meeting with EW -- Raj's office

When: Thursday, January 06, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US &

Canada).Where: Raj's office


*~*~*~*~*~*~*~*~*~*

Not sure if this time works for everyone but if not we’ll try to push back to Friday am.We’ll have two memos to circulate in advance to prime the discussion about structuring ofthe project(s) going forward. Thanks!

January 10, 2011

Monday




*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)

(b) (6)

(b) (6)






Monday

12:30 PM - 1:00 PM prep for 2pm mtg -- 530 - pat's office

When: Monday, January 10, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time

(US & Canada).Where: 530 - pat's office


*~*~*~*~*~*~*~*~*~*

1:00 PM - 1:30 PM IPA agreement -- Pat's office (530)

When: Monday, January 10, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time(US & Canada).

Where: Pat's office (530)


*~*~*~*~*~*~*~*~*~*

2:00 PM - 3:00 PM In-Depth Discussion of Mortgage Disclosure -- 1801 L St. (550)

When: Monday, January 10, 2011 1:00 PM-2:00 PM (GMT-06:00) Central Time (US &Canada).

Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

3:00 PM - 3:20 PM Disclosure team meeting -- 523

When: Monday, January 10, 2011 3:00 PM-3:20 PM (UTC-05:00) Eastern Time(US & Canada).Where: 523


*~*~*~*~*~*~*~*~*~*

An opportunity for introductions and short discussion of path forward





January 11, 2011

Tuesday




*~*~*~*~*~*~*~*~*~*


January 12, 2011

Wednesday

11:00 AM - 11:30 AM Discuss early mortgage-related IT projects -- 529

When: Wednesday, January 12, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time(US & Canada).Where: 529


*~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM Policy Lunch -- 503

1:00 PM - 2:00 PM Chris Ladd and Jane Gao -- 530

1:00 PM - 2:00 PM Chris Ladd, Jane Gao

1:15 PM - 2:15 PM Mortgages -- Servicing ANPR discussion -- 530 (Pat's Office)

When: Wednesday, January 12, 2011 1:15 PM-2:15 PM (UTC-05:00) EasternTime (US & Canada).Where: 530 (Pat's Office)


*~*~*~*~*~*~*~*~*~*

4:00 PM - 4:30 PM HOEPA

4:30 PM - 5:30 PM Discuss mortgage disclosure follow up -- Pat's office

When: Wednesday, January 12, 2011 4:30 PM-5:30 PM (UTC-05:00) EasternTime (US & Canada).

(b) (6)






Wednesday

Where: Pat's office


*~*~*~*~*~*~*~*~*~*

January 14, 2011

Friday


January 17, 2011

Monday

11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to11:30 AM (UTC-05:00) Eastern Time (US & Canada).Where: Full Disclosure Room 503 - call-in #


*~*~*~*~*~*~*~*~*~*

January 18, 2011Tuesday

9:30 AM - 10:00 AM Dail: -- 503

When: Tuesday, January 18, 2011 9:30 AM-10:00 AM (UTC-05:00) Eastern Time (US &Canada).Where: 503


*~*~*~*~*~*~*~*~*~*

w/ Call-in number.

10:15 AM - 11:00 AM Coffee with Carter Dougherty

11:30 AM - 1:00 PM Lunch with CSBS and Pat McCoy -- TBD

When: Tuesday, January 18, 2011 11:30 AM-1:00 PM (GMT-05:00) Eastern Time (US &Canada).Where: TBD


(b) (6)

(b) (6)

(b) (6)

(b) (6)






Tuesday

*~*~*~*~*~*~*~*~*~*

Hopefully this works for you. They are just around the corner on M St. so we’ll find someplace close. Chuck.

4:30 PM - 5:00 PM Talk about reverse mortgages -- Pat's office 530

When: Tuesday, January 18, 2011 4:30 PM-5:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Pat's office 530


*~*~*~*~*~*~*~*~*~*

January 19, 2011

Wednesday

8:30 AM - 9:30 AM Mortgage Servicing Meeting -- 1801 L St. (550)

When: Wednesday, January 19, 2011 8:30 AM-9:30 AM (UTC-05:00) EasternTime (US & Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

10:00 AM - 10:30 AM Sit-Down -- Your office

When: Wednesday, January 19, 2011 10:00 AM-10:30 AM (UTC-05:00) EasternTime (US & Canada).Where: Your office


*~*~*~*~*~*~*~*~*~*

Maybe we can grab coffee; it looks like you’re booked at lunch each day


4:00 PM - 5:00 PM Catch up on mortgage issues -- Pat's office

When: Wednesday, January 19, 2011 4:00 PM-5:00 PM (UTC-05:00) EasternTime (US & Canada).Where: Pat's office







Wednesday

*~*~*~*~*~*~*~*~*~*

5:45 PM - 6:30 PM Follow up on servicing -- Raj's office

When: Wednesday, January 19, 2011 5:45 PM-6:30 PM (UTC-05:00) EasternTime (US & Canada).Where: Raj's office


*~*~*~*~*~*~*~*~*~*

I know time is tight today, but it would be really helpful to regroup after this morning’sconversation. This window looks like it will work for most people, though Pat needs toleave by 6:15 so if possible it would be really helpful to start about 5:45. Thanks!


January 20, 2011

Thursday


When: Thursday, January 20, 2011 8:30 AM-10:00 AM (UTC-05:00) EasternTime (US & Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*

-----Original Appointment-----From: Martin, Alyssa (CFPB) On Behalf Of Warren, Elizabeth (CFPB)Sent: Thursday, January 13, 2011 6:37 PMTo: Warren, Elizabeth (CFPB); Antonakes, Steve (CFPB); Burniston, Tim (CFPB); Morris,Lucy (CFPB); Hrdy, Alice (CFPB); Twohig, Peggy (CFPB); Coloretti, Nani (CFPB);Silberman, David (CFPB); Cochran, Kelly (CFPB); Vale, Elizabeth (CFPB); Jackson, Peter(CFPB); Date, Rajeev (CFPB); Geldon, Daniel (CFPB); Adeyemo, Adewale (Wally) (CFPB);

Canfield, Anna (CFPB)Subject: Policy MeetingWhen: Thursday, January 20, 2011 8:30 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada).Where: 1801 L St. (Conference Room 503)

Topic: Bank and Nonbank Supervision Modeling

(b) (6)






Thursday

9:30 AM - 10:30 AM Hiring Interview:

11:00 AM - 12:30 PM HUD meeting -- HUD rm 10114

When: Thursday, January 20, 2011 11:00 AM-12:30 PM (UTC-05:00) EasternTime (US & Canada).

Where: HUD rm 10114


*~*~*~*~*~*~*~*~*~*

Paul Ceja x5085 or Joan Kayagil at x5131


2:30 PM - 3:30 PM Economist Recruiting -- 688 (sixth floor) on other side of front desk wall

When: Thursday, January 20, 2011 2:30 PM-3:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 688 (sixth floor) on other side of front desk wall


*~*~*~*~*~*~*~*~*~*

Location Update: Room 688 (sixth floor)

This meeting is intended to be a cross cutting meeting to discuss economist recruiting for your respective areas.

4:00 PM - 5:00 PM Meeting with Fannie Mae re: Foreclosure Process -- 3900 Wisconsin Avenue (pull up to front lobby)

When: Thursday, January 20, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US &Canada).Where: 3900 Wisconsin Avenue (pull up to front lobby)


*~*~*~*~*~*~*~*~*~*

Fannie Mae Staff:

Terry Edwards, Executive

Vice

President,

Credit

Loss

Management

Jeff Hayward, Senior Vice President, National Servicing Organization

Joe Grassi, Deputy General Counsel, Single Family

Julie Katzman, Deputy General Counsel, Litigation and Regulatory Affairs

Elizabeth Scholz, Associate Director, Operational Risk Group and Loan Servicing

Meg Burns, Senior Associate Director, Congressional Affairs and Communications

5:30 PM - 6:00 PM Interview with -- Your office

When: Thursday, January 20, 2011 4:00 PM-4:30 PM (GMT-05:00) Eastern Time (US &Canada).

(b) (6)

(b) (6)

(b) (6)






Thursday

Where: Your office


*~*~*~*~*~*~*~*~*~*


January 21, 2011

Friday

8:00 AM - 8:30 AM Fingerprinting

10:00 AM - 10:30 AM Mortgage Servicing -- Pat's Office

When: Friday, January 21, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time(US & Canada).Where: Pat's Office


*~*~*~*~*~*~*~*~*~*

10:00 AM - 10:30 AM Prep for Mortgage Servicing Meeting -- 1801 L St. (550)

When: Friday, January 21, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time

(US & Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

11:00 AM - 12:00 PM FOIA Overview & Training -- Full Disclosure Conference Room (503)

When: Friday, January 21, 2011 11:00 AM-12:00 PM (UTC-05:00) Eastern Time

(US & Canada).Where: Full Disclosure Conference Room (503)


*~*~*~*~*~*~*~*~*~*

Good morning,

Stephanie Gorski and I are interested in talking with you on Thursday, January 21st, about

(b) (6)






Friday

Jeff Goldstein

Don Graves

Phyllis Caldwell

Elizabeth Warren

Lucy Morris

Pat McCoy

Wally Adeyemo

2:30 PM - 3:30 PM Hiring Interview:

3:00 PM - 4:00 PM FW: Meeting with Americans for Financial Reform -- 4125MT

When: Friday, January 21, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 4125MT


*~*~*~*~*~*~*~*~*~*

-----Original Appointment-----From: Martin, Alyssa (CFPB) On Behalf Of Warren, Elizabeth (CFPB)Sent: Thursday, January 06, 2011 10:21 AMTo: English, Leandra (CFPB)Cc: Twohig, Peggy (CFPB); Burniston, Tim (CFPB); Martinez, Zixta (CFPB)

Subject: Meeting with Americans for Financial ReformWhen: Friday, January 21, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada).Where: 4125MT


January 24, 2011

Monday11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #



*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)

(b) (6)

(b) (6)






Monday

11:00 AM - 11:30 AM Policy Meeting -- 503

2:30 PM - 3:15 PM ANPR -- 7306

3:30 PM - 4:30 PM Mortgage Servicing / TFG Prep -- 1801 L St. (550)

When: Monday, January 24, 2011 3:30 PM-4:30 PM (UTC-05:00) Eastern Time (US &Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

4:45 PM - 5:00 PM Follow-up --

When: Monday, January 24, 2011 4:45 PM-5:00 PM (GMT-05:00) Eastern Time (US &

Canada).Where:


*~*~*~*~*~*~*~*~*~*

January 25, 2011

Tuesday

9:30 AM - 10:00 AM All Hands Meeting -- 7002When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM(UTC-05:00) Eastern Time (US & Canada).Where: 7002


*~*~*~*~*~*~*~*~*~*

10:00 AM - 10:30 AM Leandra and Zixta

10:00 AM - 10:15 AM Outreach Meeting w/Pat -- Pat's Ofc

When: Tuesday, January 25, 2011 10:00 AM-10:15 AM (UTC-05:00) Eastern Time (US& Canada).Where: Pat's Ofc


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)






Tuesday

12:00 PM - 1:00 PM Mortgage Servicing / TFG Prep (continued) -- 1801 L St. (550)

When: Tuesday, January 25, 2011 12:00 PM-1:00 PM (UTC-05:00) Eastern Time (US &Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

1:45 PM - 2:30 PM Servicing and mod standards -

When: Tuesday, January 25, 2011 1:45 PM‐2:30 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where


*~*~*~*~*~*~*~*~*~*

Don and I have something finishing at 1:30 so I allowed 15 minutes in case there is post‐

meeting follow up. I don’t know if we will need 45 minutes, but wanted to block the

time.

5:00 PM - 6:00 PM Meeting with Staff -- Secretary's Small Conference Room

When: Tuesday, January 25, 2011 5:00 PM‐6:00 PM (UTC‐05:00) Eastern Time (US &

Canada).

Where: Secretary's Small Conference Room

Note: The

GMT

offset

above

does

not

reflect

daylight

saving

time

adjustments.

*~*~*~*~*~*~*~*~*~*

TOPIC: RECONVENE SERVICER STANDARDS & FORECLOSURE SETTLEMENT MEETING

Participants:

Secretary Geithner

Neal Wolin

Jeff Goldstein

Don Graves

Phyllis Caldwell

Elizabeth Warren

Lucy Morris

Pat McCoy

Raj Date

(b) (6)

(b) (6)






Tuesday



January 26, 2011Wednesday

9:30 AM - 10:00 AM Jennifer

9:30 AM - 10:00 AM Jennifer

11:00 AM - 11:30 AM Update from Pat on Treasury Meeting -- Pat's Office

When: Wednesday, January 26, 2011 11:00 AM-11:30 AM (UTC-05:00) EasternTime (US & Canada).Where: Pat's Office


*~*~*~*~*~*~*~*~*~*

For whomever can attend.

2:30 PM - 3:30 PM Sarah Apsel--mortgage servicing

2:30 PM - 3:00 PM Pat/Sarah Meeting -- 1801 L Street, Room 530

When: Wednesday, January 26, 2011 2:30 PM‐3:00 PM (GMT‐05:00) Eastern Time (US &

Canada).

Where: 1801

L Street,

Room

530


*~*~*~*~*~*~*~*~*~*

January 27, 2011

Thursday

11:00 AM - 12:00 PM FW: Policy Meeting -- 1801 L St. (Conference Room 503)When: Thursday, January 27, 2011 11:00 AM-12:00 PM (GMT-05:00) Eastern Time (US& Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*

Topic: Mortgage Servicing

(b) (6)

(b) (6)






Thursday

*In case of snow*

January 28, 2011

Friday

12:30 PM - 1:30 PM Baby on Board! -- 503 (large conference room)

When: Friday, January 28, 2011 12:30 PM-1:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 503 (large conference room)


*~*~*~*~*~*~*~*~*~*

Dear Colleagues,

Please join the Research and Markets team for dessert and punch as we toast father-to-be

As the first-time parents appear well-stocked for the immediate future, we thought a (nofee) gift card might be appropriate.

I am happy to collect donations thru Wednesday, January 26, and purchase a group gift onour behalf.Thanks and hope to see you there!

Alejandra (research) and Alice (fair lending)

When: Friday, January 28 at 12:30pmWhere: 5th floor large conference room (503)

4:00 PM - 5:00 PM Disclosures projects -- 530

5:00 PM - 6:00 PM Disclosure team meeting -- Mackey's

When: Friday, J anuary 28, 2011 5:00 PM-6:00 PM. Eastern Standard TimeWhere: Mackey's

*~*~*~*~*~*~*~*~*~*

Disclosure contract has been awarded so for those on the team who have time toacknowledge this milestone, please join me tomorrow (getting the website functional is anacceptable, though undesirable, excuse, as is travelling to the Superbowl).

January 31, 2011

Monday



(b) (6)

(b) (6)






Monday


*~*~*~*~*~*~*~*~*~*

We will be holding a team lead meeting once a week. Given our size, I ask that only one

representative from each team attend.

10:45 AM - 11:00 AM Discuss EW comments on TILA/RESPA -- Raj's office

When: Monday, January 31, 2011 10:45 AM-11:00 AM (GMT-05:00) Eastern Time (US& Canada).Where: Raj's office


*~*~*~*~*~*~*~*~*~*




*~*~*~*~*~*~*~*~*~*


February 01, 2011

Tuesday




*~*~*~*~*~*~*~*~*~*

11:00 AM - 12:00 PM Meet and Greet with Marla Blow -- Pat's Office Room 530

When: Tuesday, February 01, 2011 11:00 AM-12:00 PM (UTC-05:00) EasternTime (US & Canada).Where: Pat's Office Room 530

(b) (6)

(b) (6)






Tuesday


*~*~*~*~*~*~*~*~*~*

Let’s try for Tuesday 2/1.

Thanks,

Marla

Moving to Friday to adjust for policy meeting conflict.

We’ll keep adjusting as necessary. No problem at all,

Marla

1:00 PM - 2:00 PM Servicing ANPR discussion -- 523

When: Tuesday, February 01, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time (US &Canada).Where: 523


*~*~*~*~*~*~*~*~*~*

It looks like this is the best window tomorrow, though not everyone is available for thefull hour. Shall we reserve it now, just in case? I’ll scout for conference rooms tomorrowmorning, but we can always use 529 in a pinch. Thanks

2:30 PM - 3:00 PM Talk about QM issues -- 529

When: Tuesday, February 01, 2011 2:30 PM-3:00 PM (GMT-05:00) Eastern Time (US &Canada).Where: 529


*~*~*~*~*~*~*~*~*~*

5:00 PM - 6:00 PM Mortgage Market Unit--Vision and Planning -- Raj's office

6:30 PM - 7:30 PM Hiring Interview: (b) (6)





February 02, 2011

Wednesday

10:00 AM - 11:00 AM Prep for DOJ meeting -- TBD

When: Wednesday, February 02, 2011 10:00 AM-11:00 AM (UTC-05:00) EasternTime (US & Canada).Where: TBD


*~*~*~*~*~*~*~*~*~*

11:00 AM - 12:00 PM Disclosure Team Update -- Pat's office (530)

3:00 PM - 3:30 PM Len Kennedy--servicing briefing

4:45 PM - 5:45 PM Meeting with Thomas Perrelli (Associate AG, DOJ) -- 950 Pennsylvania Avenue, NW (DOJ), Room 5706

When: Wednesday, February 02, 2011 4:45 PM-5:45 PM (UTC-05:00) Eastern Time (US& Canada).Where: 950 Pennsylvania Avenue, NW (DOJ), Room 5706


*~*~*~*~*~*~*~*~*~*

Topic: mortgage servicing standards, foreclosure settlement

DOJ Staff:

Brian Hauck,

Senior

Advisor

Marisa Chung, Deputy Associate AG

February 03, 2011

Thursday

9:30 AM - 11:00 AM Policy Meeting -- 1801 L St. (Conference Room 503)

When: Thursday, February 03, 2011 9:30 AM-11:00 AM (UTC-05:00) EasternTime (US & Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*

11:30 AM - 12:00 PM Servicing ANPR -- 7th floor

When: Thursday, February 03, 2011 11:30 AM-12:00 PM (UTC-05:00) Eastern Time (US& Canada).Where: 7th floor






Thursday


*~*~*~*~*~*~*~*~*~*

It looks like this is the best window tomorrow to discuss the draft information memo and proposed ANPR questions.

Realizing the time may not work for everyone, shall we reserve it now, just in case?

Maybe we can meet in one of the 7th floor conference rooms? 5th floor conference roomsdo not appear to be available between 11:30 and noon on 2/3.


2:00 PM - 2:30 PM Call Ellen Lazar

4:00 PM - 5:00 PM Meeting re mortgage disclosures -- TBD

When: Thursday, February 03, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: TBD


*~*~*~*~*~*~*~*~*~*

5:00 PM - 5:30 PM Call on Modification Proposals -- Dial-in Number:

When: Thursday, February 03, 2011 5:00 PM-5:30 PM (GMT-05:00) Eastern Time (US& Canada).Where: Dial-in Number:


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)

(b) (6)

(b) (6)





February 04, 2011

Friday

10:00 AM - 11:00 AM Research, Rulewriting, and Markets Team Meeting -- 1801 L St. (Conference Room 503)

When: Friday, February 04, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US &Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*

3:30 PM - 4:30 PM Ethan Bernstein

February 06, 2011

Sunday

12:30 PM - 1:30 PM Brunch: Raphael Bostic and Pat McCoy (cell#'s included) -- Joe Theismann's Restaurant - 1800 A Diagonal

Road, Alexandria, VA 22314

Pat’s cell#

Reservation Details

• Dress Code: Casual Dress• Message from the Restaurant: Thank you for choosing Joe Theismann's Restaurant. Should your plans change, please let us know. We look forward to serving you.• More info: Joe Theismann's Restaurant profile page<https://secure.opentable.com/joe-theismanns-restaurant?kc=1&nw=1>•

Make another reservation ›<http://www.opentable.com/washington-dc-restaurants>

February 07, 2011

Monday




*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)






Tuesday

*~*~*~*~*~*~*~*~*~*

10:30 AM - 12:00 PM Jared & Ethan -- surveillance

10:30 AM - 12:00 PM Mortage Surveillance: Strategic Planning w/ Pat, Jared, Ethan -- Pat's Office

When: Tuesday, February 08, 2011 10:30 AM-12:00 PM (UTC-05:00) EasternTime (US & Canada).Where: Pat's Office


*~*~*~*~*~*~*~*~*~*

12:15 PM - 1:45 PM Private: -- location TBD

3:30 PM - 4:00 PM Adam Martinez-Hiring Procedures -- 503

February 09, 2011

Wednesday

9:30 AM - 11:00 AM Update from Maureen on QM/ATR -- 529

When: Wednesday, February 09, 2011 9:30 AM-11:00 AM (GMT-05:00) Eastern Time(US & Canada).

Where: 529


*~*~*~*~*~*~*~*~*~*

Nick, it looked like your schedule was crazy next week. Is there any chance that youwould be able to make this time work? It seemed ok for everyone else from what I could see on Outlook but just let me know. Thanks


1:00 PM - 1:30 PM Pam -- 530

3:00 PM - 4:00 PM CFPB presentation on foreclosure settlement proposal -- 9202

HUD attendees:• Helen Kanovsky – HUD General Counsel• Vicki Bott – Deputy Assistant Secretary for Single Family Housing• Bob Ryan – Deputy Assistant Secretary for Risk Management & Regulatory Affairs and FHA

(b) (6)

(b) (2)






Wednesday

Chief Risk Officer • Damon Smith – Senior Advisor to General Counsel• Lionel Lynch – Senior Advisor for Housing Finance and Policy• Dave Stevens – Assistant Secretary for Housing and FHA Commissioner may be traveling buwill attend if he is in DC

Our Address is:Department of Housing and Urban Development451 7th Street, SW – Conference Room 9202South Lobby EntranceWashington, DC 20410Upon arrival, please check in with Security (bring ID) and have them call our main number (708-2601) for an escort to our floor.(Please arrive at least 15 minutes prior to meeting for Security check-in.)

4:00 PM - 6:00 PM FW: Policy Meeting -- 1801 L St. (Conference Room 503)When: Wednesday, February 09, 2011 4:00 PM-6:00 PM (UTC-05:00) Eastern Time (US& Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*


To: Antonakes, Steve (CFPB); Burniston, Tim (CFPB); Morris, Lucy (CFPB); Hrdy, Alice(CFPB); Twohig, Peggy (CFPB); Coloretti, Nani (CFPB); Silberman, David (CFPB);Cochran, Kelly (CFPB); Vale, Elizabeth (CFPB); J ackson, Peter (CFPB); Date, Rajeev(CFPB); Geldon, Daniel (CFPB); Adeyemo, Adewale (Wally) (CFPB); Canfield, Anna(CFPB); McCoy, Patricia (CFPB); Cordray, Richard (CFPB)Cc: Sokolov, Dan; Sartaj Alag; Riley, J eff (CFPB)Subject: Policy MeetingWhen: Wednesday, February 09, 2011 4:00 PM-6:00 PM (UTC-05:00) Eastern Time (US& Canada).Where: 1801 L St. (Conference Room 503)

Topic: IT

6:30 PM - 7:30 PM Hiring Interview:

February 10, 2011

Thursday

8:30 AM - 9:00 AM Mortgage Servicing Update -- 1801 L St. (550)

When: Thursday, February 10, 2011 8:30 AM-9:00 AM (UTC-05:00) EasternTime (US & Canada).Where: 1801 L St. (550)

(b) (6)






Thursday


*~*~*~*~*~*~*~*~*~*

11:00 AM - 12:00 PM Mortgage surveillance team expert interview -- Raj's office

When: Thursday, February 10, 2011 11:00 AM-12:00 PM (UTC-05:00) EasternTime (US & Canada).Where: Raj's office


*~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM RMR Team Leads and Deputies Meeting -- 501

When: Thursday, February 10, 2011 12:00 PM-1:00 PM (UTC-05:00) EasternTime (US & Canada).Where: 501


*~*~*~*~*~*~*~*~*~*

1:00 PM - 2:30 PM Meeting re mortgage disclosures -- Raj's office

When: Thursday, February 10, 2011 1:00 PM-2:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Raj's office


*~*~*~*~*~*~*~*~*~*

2:30 PM - 3:00 PM -- your office

When: Thursday, February 10, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: your office


*~*~*~*~*~*~*~*~*~*

(b) (6)






Monday

11:30 AM - 12:00 PM Updated: Strategize re interagency meeting -- Pat's office

I know Monday is busy but is there any chance we could use this time to prep for theinteragency meeting? Thanks

12:30 PM - 1:00 PM Weekly Priorities Meeting w/ Pat and Ethan (Jared Optional) -- Pat's Office

When: Monday, February 14, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time

(US & Canada).Where: Pat's Office


*~*~*~*~*~*~*~*~*~*

4:00 PM - 5:00 PM Principals Meeting -- HUD

February 15, 2011

Tuesday

11:00 AM - 11:30 AM Conference call on mod data and potential dollar/loan volume estimate --

When: Tuesday, February 15, 2011 11:00 AM-11:30 AM (UTC-05:00) EasternTime (US & Canada).

Where:


*~*~*~*~*~*~*~*~*~*

I know this does not work for everyone, but I think it still makes sense to have thediscussion with as many of us as can join.

Don

12:00 PM - 2:00 PM Lunch with Corey Stone

2:00 PM - 3:00 PM Call with Iowa AG's office, perhaps others also -- Prof. Warren's Office

When: Tuesday, February 15, 2011 2:00 PM-3:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Prof. Warren's Office

(b) (5)

(b) (6)

(b) (6)

(b) (6)






Tuesday

Noon won’t work for Pat. Should we try 5:30 to prep for the meeting with EW? Thanks


February 16, 2011

Wednesday

9:30 AM - 10:00 AM Review deck for EW w/ Pat and Ethan -- Pat's Office

When: Wednesday, February 16, 2011 9:30 AM-10:00 AM (UTC-05:00) EasternTime (US & Canada).Where: Pat's Office


*~*~*~*~*~*~*~*~*~*

Pat, we are still working on the deck for EW tonight. I wanted to reserve time to makefinal revisions with you in the morning, if possible.

10:45 AM - 11:15 AM Research, Markets, and Regulation - Mortgage Disclosure -- 1801 L St. (550)



*~*~*~*~*~*~*~*~*~*

11:15 AM - 11:45 AM Mortgage Servicing Strategy -- 1801 L St. (550)



*~*~*~*~*~*~*~*~*~*



3:15 PM - 4:00 PM FW: Meeting with Ron Phipps (President, National Association of Realtors) -- 2316MT

When: Wednesday, February 16, 2011 3:15 PM-4:00 PM (UTC-05:00) EasternTime (US & Canada).Where: 2316MT

(b) (6)

(b) (6)






Wednesday


*~*~*~*~*~*~*~*~*~*

-----Original Appointment-----From: Martin, Alyssa (CFPB) On Behalf Of Warren, Elizabeth (CFPB)Sent: Tuesday, January 18, 2011 11:22 AMTo: English, Leandra (CFPB)Cc: Martinez, Zixta (CFPB)Subject: Meeting with Ron Phipps (President, National Association of Realtors)When: Wednesday, February 16, 2011 3:15 PM-4:00 PM (UTC-05:00) Eastern Time (US& Canada).Where: 2316MT

Contact: Jeff Lischer

4:30 PM - 5:30 PM Discussion on Mortgage Markets Monitoring Function w/Pat McCoy, Jared English & Ethan Bernstein -

CFPB Team -- 451 7th Street, SW (South Lobby Entrance) room 8100

From: [email protected]<mailto:[email protected]>[mailto:[email protected]]<mailto:[mailto:[email protected]]>Sent: Tuesday, February 08, 2011 1:04 PMTo: Meadow, Benita DSubject: Scheduling a Meeting for Pat McCoy with Raphael Bostic

Hi Benita,

Would he have any time next week?

Thank you in advance.

Ethan

Ethan BernsteinDeputy Assistant Director for Mortgage and Home Equity Markets

Consumer Financial Protection Bureau Implementation [email protected]<mailto:[email protected]<mailto:[email protected]<mailto:[email protected]>>(202) 435-7483

(b) (5)





February 17, 2011

Thursday

9:30 AM - 11:00 AM servicing settlement

11:00 AM - 12:00 PM Personnel Discussion w/ Pat & Ethan -- Pat's Office

When: Thursday, February 17, 2011 11:00 AM-12:00 PM (UTC-05:00) EasternTime (US & Canada).

Where: Pat's Office


*~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM Mtg w/ Pat McCoy, Jane Dokko, Ethan Bernstein, Jared English re: Mortgage Team Data -- Pat's Office

When: Thursday, February 17, 2011 12:00 PM-1:00 PM (UTC-05:00) EasternTime (US & Canada).Where: Pat's Office


*~*~*~*~*~*~*~*~*~*

Jane, thank you in advance!

Everyone, given the timing of the meeting, please feel free to brown bag this meeting.

2:30 PM - 3:00 PM Gathering Ideas for a Process for Rulemaking -- 530



*~*~*~*~*~*~*~*~*~*

3:00 PM - 4:00 PM -- 530(b) (6)

(b) (5)

(b) (5)






Thursday

4:30 PM - 5:30 PM Discuss next steps -- Pat's office

When: Thursday, February 17, 2011 4:30 PM-5:30 PM (GMT-05:00) Eastern Time (US& Canada).Where: Pat's office


*~*~*~*~*~*~*~*~*~*

5:00 PM - 5:30 PM -- 530

February 18, 2011

Friday

All Day Private:

2:00 PM - 2:30 PM Conference call on mod data and potential dollar/loan volume estimate --

When: Friday, February 18, 2011 2:00 PM‐2:30 PM (GMT‐05:00) Eastern Time (US &

Canada).



*~*~*~*~*~*~*~*~*~*

February 21, 2011

Monday

8:30 AM - 5:00 PM Blanksheeting


When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM(UTC-05:00) Eastern Time (US & Canada).

Where: 7003


*~*~*~*~*~*~*~*~*~*


(b) (6)

(b) (6)

(b) (6)

(b) (6)(b) (6)

(b) (6)






Monday




*~*~*~*~*~*~*~*~*~*


12:00 PM - 1:00 PM staff meeting

February 22, 2011

Tuesday

10:30 AM - 11:30 AM Ethan -- 530

11:00 AM - 12:00 PM Call on Loan Modifications -- Dial-in Number:

When: Tuesday, February 22, 2011 11:00 AM‐12:00 PM (GMT‐05:00) Eastern Time (US &

Canada).



*~*~*~*~*~*~*~*~*~*


2:00 PM - 3:00 PM Pat McCoy and Jeff Lazerson (OTR) -- Pat's office

When: Tuesday, February 22, 2011 2:00 PM-3:00 PM (UTC-05:00) Eastern Time(US & Canada).

Where: Pat's office


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)

(b) (6)

(b) (6)

(b) (6)






Tuesday

3:00 PM - 3:30 PM New Hire Meet & Greet - Victor Prince and Patricia McCoy -- 530 - Patricia's office

When: Tuesday, February 22, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 530 - Patricia's office


*~*~*~*~*~*~*~*~*~*

I just started as Deputy COO and would like to briefly introduce myself, meet you, and learn about your team.

Quick bullet points on my relevant background:

Most recently, was in DC Mayor Fenty’s cabinet, running hisaccountability/performance management program, Recovery Act implementation,and special projects (e.g., Obama Inauguration)

5 years at Capital One in variety of management roles, including auto finance

online marketing, enterprise-wide email and web marketing channel strategy, and risk and response data analysis

5 years strategy consulting (Bain & Company and internet startups)

4 years federal work experience at CIA as intelligence analyst.

One of first things I will be working on will be pulling together an agency-wideoperations plan, so we can spend some time discussing that too.

Thanks,Victor

3:30 PM - 4:00 PM






Tuesday

3:30 PM - 4:00 PM Meet with Susan Kleimann on cities, products -- 7004



*~*~*~*~*~*~*~*~*~*

4:30 PM - 5:00 PM Discuss qualified mortgages (tentative fallback/part 2) -- 529



*~*~*~*~*~*~*~*~*~*

Sorry, need to push this back to next week. I may not be able to attend but am hopingthis works for everyone else. Thanks

5:15 PM - 5:45 PM Katie Porter -- 530

February 23, 2011

Wednesday

9:30 AM - 10:30 AM RMR Meeting to discuss mortgage team division of responsibilities and skill sets -- Raj's office

When: Wednesday, February 23, 2011 9:30 AM-10:30 AM (UTC-05:00) Eastern

Time (US & Canada).Where: Raj's office


*~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM Meet with -- 530

When: Wednesday, February 23, 2011 11:00 AM-11:30 AM (UTC-05:00) EasternTime (US & Canada).Where: 530


*~*~*~*~*~*~*~*~*~*

(b) (6)






Wednesday

is meeting with Raj at 10:30am.

12:00 PM - 1:45 PM Dalie Jimenez -- 530


2:45 PM - 4:00 PM Mortgage Disclosures: Prep for EW Mtg w/ Pat and Ethan -- 530



*~*~*~*~*~*~*~*~*~*

4:00 PM - 4:30 PM Catch up re mortgage markets -- 530



*~*~*~*~*~*~*~*~*~*


February 24, 2011

Thursday

10:30 AM - 11:30 AM ICBA Mortgage Update -- Accountability Conference Room 523

When: Thursday, February 24, 2011 10:30 AM-11:30 AM (UTC-05:00) EasternTime (US & Canada).Where: Accountability Conference Room 523


*~*~*~*~*~*~*~*~*~*

ICBA Reps:

Cam Fine

Karen Thomas

Amy Miller

(b) (6)

(b) (6)






Thursday


2:00 PM - 2:30 PM MortMark Surveillance: Interview of Pat by Jared and Ethan -- 530

When: Thursday, February 24, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time(US & Canada).

Where: 530


*~*~*~*~*~*~*~*~*~*


February 25, 2011

Friday

10:00 AM - 10:30 AM HOLD: Meeting with Secretary Timothy F. Geithner and Staff re: Mortgage Servicing -- Secretary's

Conference Room

When: Friday, February 25, 2011 10:00 AM-10:30 AM (UTC-05:00) EasternTime (US & Canada).Where: Secretary's Conference Room


*~*~*~*~*~*~*~*~*~*

Participants:

Secretary Timothy F. Geithner

Phyllis Caldwell, Chief Homeownership Preservation Officer

Don Graves, Deputy Assistant Secretary, Small Business, Housing & Community

Development

Kim Wallace, Assistant Secretary for Legislative Affairs

10:00 AM - 10:30 AM Meeting with Staff -- Secretary's Small Conference Room

When: Friday, February 25, 2011 10:00 AM‐10:30 AM (UTC‐05:00) Eastern Time (US &

Canada).

Where: Secretary's

Small

Conference

Room


*~*~*~*~*~*~*~*~*~*

TOPIC: The Settlement

Goldstein

(b) (6)

(b) (6)






Friday

Caldwell

Graves

Elizabeth Warren

Richard Cordray

Raj Date

Pat McCoy

Lucy Morris

Ethan Bernstein


2:00 PM - 3:00 PM CoreLogic Economic Indicators for the economic quarterly report -- Pat's office

When: Friday, February 25, 2011 2:00 PM-3:00 PM (UTC-05:00) Eastern Time(US & Canada).

Where: Pat's office


*~*~*~*~*~*~*~*~*~*

Make two copies of the corelogic report and pick out key indicators for the economicquarterly report.

3:00 PM - 3:30 PM Policy Analyst position -- Pat's office

When: Friday, February 25, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time(US & Canada).

Where: Pat's office


*~*~*~*~*~*~*~*~*~*

Pat,Earlier would be better but your calendar looked really full!

4:00 PM - 5:00 PM Call with State Attorneys General re: Foreclosure Settlement

When: Friday, February 25, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US &Canada).


*~*~*~*~*~*~*~*~*~*

4:15 PM - 5:00 PM Loan Modification Term sheet -- (b) (6)






Monday

2:30 PM - 3:00 PM Mtg w Corey, Pat, and Ethan re: Shared Resource(s) -- 534

When: Monday, February 28, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 534


*~*~*~*~*~*~*~*~*~*


4:00 PM - 5:00 PM Servicing ANPR -- Boomer Sonner Conference Room 501

When: Monday, February 28, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Boomer Sonner Conference Room 501


*~*~*~*~*~*~*~*~*~*


March 01, 2011

TuesdayAll Day FDIC--Economic Inclusion in Mortgages--Ellen Lazar




*~*~*~*~*~*~*~*~*~*


(b) (6)

(b) (6)





March 02, 2011

Wednesday

9:30 AM - 10:30 AM RMR Team Leads/Deputies Meeting re Discuss Division of Responsibilities and Skillsets -- 501 Boomer

Sooner

When: Wednesday, March 02, 2011 9:30 AM-10:30 AM (UTC-05:00) EasternTime (US & Canada).Where: 501 Boomer Sooner


*~*~*~*~*~*~*~*~*~*




1:15 PM - 2:30 PM Interviews with - 530 / 539

When: Wednesday, March 02, 2011 1:15 PM-2:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 530 / 539


*~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM Mortgage disclosure form comm rollout -- Room 503

When: Wednesday, March 02, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Room 503


*~*~*~*~*~*~*~*~*~*

This is just a preliminary conversation, but hopefully a helpful starting point.

(b) (6)

(b) (5)






Wednesday

4:30 PM - 5:00 PM Discussion re: NPV Model Meeting -- Pat's Office

When: Wednesday, March 02, 2011 4:30 PM-5:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Pat's Office


*~*~*~*~*~*~*~*~*~*

To discuss an agenda/approach for the meeting with Steve Holden.

March 03, 2011

Thursday

9:00 AM - 10:00 AM Private:

10:00 AM - 12:00 PM NCLC Meeting Regarding FCRA and Collections -- Boomer Sooner Conference Room 501

When: Thursday, March 03, 2011 10:00 AM-12:00 PM (UTC-05:00) EasternTime (US & Canada).Where: Boomer Sooner Conference Room 501


*~*~*~*~*~*~*~*~*~*

Chi Chi Wu and Lauren Saunders of NCLC requested this meeting.

11:00 AM - 11:30 AM FW: Meet with -- Dan's office

When: Thursday, March 03, 2011 11:00 AM-11:30 AM (UTC-05:00) EasternTime (US & Canada).Where: Dan's office


*~*~*~*~*~*~*~*~*~*

-----Original Appointment-----From: Callan, Nicole (CFPB)Sent: Monday, February 28, 2011 3:44 PMTo: Callan, Nicole (CFPB); Sokolov, DanSubject: Meet withWhen: Thursday, March 03, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada).Where: Dan's office

Corey has spoken with about a position in the Markets group.

(b) (6)

(b) (6)

(b) (6)

(b) (6)






Thursday

When: Thursday, March 03, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time (US &Canada).Where: Accountability Conference Room 523


*~*~*~*~*~*~*~*~*~*

J ohn Courson, President & CEO of MBASteve O'Connor, Senior Vice President of Public Policy

J ohn Courson, President & CEO of MBASteve O'Connor, Senior Vice President of Public Policy

March 04, 2011

Friday

9:00 AM - 11:00 AM Authorities Framework Meeting -- Room 503

When: Friday, March 04, 2011 9:00 AM-11:00 AM (UTC-05:00) Eastern Time

(US & Canada).Where: Room 503


*~*~*~*~*~*~*~*~*~*

10:00 AM - 12:00 PM Ryan Stark, Deutsche Bank -- 501 Boomer Sooner

When: Friday, March 04, 2011 10:00 AM-12:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 501 Boomer Sooner

(b) (5)






Friday


*~*~*~*~*~*~*~*~*~*


12:30 PM - 1:00 PM Mortgage Servicing and Office of Servicemember Affairs -- 1801 L St. (550)

When: Friday, March 04, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

3:00 PM - 4:00 PM Mortgage Disclosure -- 1801 L St. (550)

When: Friday, March 04, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time (US& Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

4:30 PM - 5:00 PM -- Pat's Office

When: Friday, March 04, 2011 4:30 PM-5:00 PM (UTC-05:00) Eastern Time (US& Canada).Where: Pat's Office


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)





March 07, 2011

Monday




*~*~*~*~*~*~*~*~*~*


10:00 AM - 11:00 AM Mortgage Disclosure: Strawmodel / Structured Interview Prep -- 530

When: Monday, March 07, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time(US & Canada).Where: 530


*~*~*~*~*~*~*~*~*~*

This will be a working session, not a meeting—I’ll bring my laptop with me, and hopefully by 11am, we’ll have those two documents ready to go.

Does that sound good?

Pam and Kelly, I know you two are not available during part (or all) of this time—so feelfree to join as you can. I will loop back with you later as you become available.

Thank you everyone for getting on the phone this afternoon. I hope everyone found it aworthwhile investment of weekend time.Ethan




*~*~*~*~*~*~*~*~*~*


(b) (5)

(b) (6)

(b) (6)






Monday

12:00 PM - 2:00 PM Private: -- TBD


2:45 PM - 3:00 PM Mortgage Servicing Call with California AG -- EW Office

When: Monday, March 07, 2011 2:45 PM-3:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: EW Office


*~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM Staffing discussion -- Raj's office

When: Monday, March 07, 2011 3:00 PM-3:30 PM (GMT-05:00) Eastern Time (US &Canada).Where: Raj's office


*~*~*~*~*~*~*~*~*~*

4:00 PM - 5:30 PM -- 530

March 08, 2011Tuesday


When: Tuesday, March 08, 2011 9:30 AM-10:00 AM (UTC-05:00) Eastern Time (US &Canada).Where: 7004


*~*~*~*~*~*~*~*~*~*

10:30 AM - 11:00 AM Discuss follow up -- Pat's office

When: Tuesday, March 08, 2011 10:30 AM-11:00 AM (GMT-05:00) Eastern Time (US &Canada).Where: Pat's office


*~*~*~*~*~*~*~*~*~*

(b) (6)

(b) (6)






Tuesday

11:00 AM - 12:00 PM Staff Planning Meeting with Human Capital Team, Part 2 -- 7002

When: Tuesday, March 08, 2011 11:00 AM-12:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 7002


*~*~*~*~*~*~*~*~*~*

Part 2 will continue the process for teams that weren’t discussed on 3/1.

11:00 AM - 11:30 AM FW: Meeting with Bruce Marks (President and CEO, NACA) -- 1801 L St. (550)

When: Tuesday, March 08, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time(US & Canada).Where: 1801 L St. (550)


*~*~*~*~*~*~*~*~*~*

This meeting is schedule for one hour (11-12pm). Will send room update shortly. EWwill attend only about 20 minutes of the meeting. Many thanks for your participation.ZQM

-----Original Appointment-----From: Martinez, Zixta (CFPB) On Behalf Of Warren, Elizabeth (CFPB)Sent: Monday, March 07, 2011 5:22 PMTo: McCoy, Patricia (CFPB); Bernstein, Ethan (CFPB); English, Leandra (CFPB); Martin, Alyssa (CFPB)

Subject: FW: Meeting with Bruce Marks (President and CEO, NACA)When: Tuesday, March 08, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada).Where: 1801 L St. (550)

Pat and Ethan, EW meets w NACA’s Bruce Marks for less than ½ hr, but we really need your participation until 12:00pm. Room will be changed. I will be joining you for theduration. ZQM

-----Original Appointment-----From: Martin, Alyssa (CFPB) On Behalf Of Warren, Elizabeth (CFPB)

Sent: Wednesday, February 23, 2011 2:43 PMTo: McCoy, Patricia (CFPB); Bernstein, Ethan (CFPB)Subject: Meeting with Bruce Marks (President and CEO, NACA)When: Tuesday, March 08, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada).Where: 1801 L St. (550)






Tuesday


1:30 PM - 2:30 PM AIM-Chris Katopsis

3:00 PM - 3:30 PM Meet with -- Room 679

When: Tuesday, March 08, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Room 679


*~*~*~*~*~*~*~*~*~*

2:00 – Dan Sokolov

2:30 – Jane Dokko

3:00 – Pat McCoy

3:30 – Alice Hrdy

3:30 PM - 4:00 PM Meet with -- 503



*~*~*~*~*~*~*~*~*~*

2:00pm – Alice Hrdy

2:30pm – Dan Sokolov

3:00pm – Jane Dokko

3:30pm – Pat McCoy

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March 09, 2011

Wednesday

9:00 AM - 10:00 AM Meeting with Professor Warren -- Chairman's Office, FDIC

When: Wednesday, March 09, 2011 9:00 AM-10:00 AM (GMT-05:00) Eastern Time (US &Canada).Where: Chairman's Office, FDIC


*~*~*~*~*~*~*~*~*~*

:

------------------------------------------------------------------------- This message was secured by ZixCorp(R).

10:00 AM - 11:00 AM RMR Team Leads/Deputies Meeting -- 501 Boomer Sooner Conference Room

When: Wednesday, March 09, 2011 10:00 AM-11:00 AM (UTC-05:00) EasternTime (US & Canada).Where: 501 Boomer Sooner Conference Room


*~*~*~*~*~*~*~*~*~*

11:15 AM - 12:00 PM Follow up -- Pat's office

When: Wednesday, March 09, 2011 11:15 AM-12:00 PM (GMT-05:00) EasternTime (US & Canada).Where: Pat's office


*~*~*~*~*~*~*~*~*~*








Wednesday

1:30 PM - 2:00 PM Meet with -- TBD

When: Wednesday, March 09, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: TBD


*~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM Phone calls

4:00 PM - 5:30 PM -- 530

March 10, 2011

Thursday


When: Thursday, March 10, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time (US &Canada).Where: 1801 L St. (Conference Room 503)


*~*~*~*~*~*~*~*~*~*


To: Antonakes, Steve (CFPB); Burniston, Tim (CFPB); Morris, Lucy (CFPB); Hrdy, Alice(CFPB); Twohig, Peggy (CFPB); Coloretti, Nani (CFPB); Silberman, David (CFPB);Cochran, Kelly (CFPB); Vale, Elizabeth (CFPB); J ackson, Peter (CFPB); Date, Rajeev(CFPB); Geldon, Daniel (CFPB); Adeyemo, Adewale (Wally) (CFPB); Canfield, Anna(CFPB); Cordray, Richard (CFPB); McCoy, Patricia (CFPB); Martinez, Zixta (CFPB);Bernstein, Ethan (CFPB)Cc: Sokolov, Dan; Riley, J eff (CFPB); Alag, Sartaj; Howard, J ennifer (CFPB); Fuchs,

Meredith (CFPB); West, Catherine (CFPB); Gordon, Michael (CFPB); Gonzalez, RobertoSubject: Policy MeetingWhen: Thursday, March 10, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time (US &Canada).Where: 1801 L St. (Conference Room 503)

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Thursday

10:00 AM - 10:20 AM Meeting re: Meetings -- 530

When: Thursday, March 10, 2011 10:00 AM-10:20 AM (UTC-05:00) EasternTime (US & Canada).Where: 530


*~*~*~*~*~*~*~*~*~*

Okay, so I think we are all feeling a bit over-meeting’ed.

Although perhaps a bit ironic, the goal of this meeting will be to discuss how we can makeour meetings more efficient. I will come to the table with a series of possibilities for ways project teams often become “high-performing” in this way. Please feel free to bring your ideas as well.

10:30 AM - 10:50 AM Pat and Ethan Catchup re: Disclosure Engagement, Hiring, ICBA -- 530



*~*~*~*~*~*~*~*~*~*

Pat, I think we need 20 minutes in the morning just to get through a series of outstandingissues. I’ll bring the agenda—you just need to show-up.

Ethan

11:45 AM - 1:15 PM Lunch Meeting with Richard Davis (President and CEO, US Bancorp) -- 2316MT

When: Thursday, March 10, 2011 11:45 AM-1:15 PM (UTC-05:00) Eastern Time(US & Canada).Where: 2316MT


*~*~*~*~*~*~*~*~*~*

US Bancorp Staff:

Richard Hartnack, Consumer & Small Business Banking

Daniel Arrigoni, US Bank Home Mortgage

Bob Smiley, VP of Loan Administration for US Bank Home Mortgage

(b) (5)






Friday

12:00 PM - 1:00 PM CFPB Lunch & Learn: Office of Procurement -- Conference Room 503

When: Friday, March 11, 2011 12:00 PM‐1:00 PM (UTC‐05:00) Eastern Time (US &

Canada).

Where: Conference Room 503


*~*~*~*~*~*~*~*~*~*

You are Invited to a CFPB Lunch & Learn!

Topic: “Procurement: How Do I Purchase Items/Services

in the Federal Government?”

Date: Friday, March 11, 2011

Time: 12:00 pm - 1:00 pm

Place: Room 503 1801 L St.Facilitator: David Gragan

Purpose: Do you have questions about the government procurement process? Are you new to the federal government and wish you

could go to Staples and buy supplies? This lunch and learn will giveyou, the customer, an opportunity to learn everything you need to

know to navigate the procurement space in the federal governmentDavid Gragan will also discuss CFPB’s vision for making this the

best procurement shop in government.


1:00 PM - 5:00 PM Work Time

1:00 PM - 3:00 PM Mtg w/ Pat and Ethan -- 530



*~*~*~*~*~*~*~*~*~*

(b) (5)






Friday

(7) Could you remind me: in addition to , who are the other two people from Garry's pile of vitas whom we asked to interview? I want to make sure that when Nicole schedules all three people, that I have a full hour to talk with each.

3:30 PM - 5:00 PM Planning

3:30 PM - 4:00 PM Ren Essene--HMDA --

5:30 PM - 7:00 PM Nani Coloretti Departure Party -- 8003



*~*~*~*~*~*~*~*~*~*

March 12, 2011

Saturday

10:30 AM - 11:30 AM Planning


March 13, 2011

Sunday



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March 14, 2011

Monday




*~*~*~*~*~*~*~*~*~*


10:00 AM - 10:30 AM Meet with -- 530

When: Monday, March 14, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time(US & Canada).Where: 530


*~*~*~*~*~*~*~*~*~*

9:30 – Garry

10:00 – Pat and Ethan


10:30 AM - 11:00 AM Gordon/McCoy meeting -- McCoy's office

When: Monday, March 14, 2011 10:30 AM-11:00 AM (GMT-05:00) Eastern Time (US &Canada).Where: McCoy's office


*~*~*~*~*~*~*~*~*~*

Thanks, Pat.




*~*~*~*~*~*~*~*~*~*

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Monday


11:30 AM - 12:00 PM discuss disclosure project management -- Pat's office

When: Monday, March 14, 2011 11:30 AM-12:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Pat's office


*~*~*~*~*~*~*~*~*~*

12:00 PM - 1:30 PM Alys Cohen

1:45 PM - 2:45 PM Lawrence Yun, Jeff Lischer, Charlie Dawson--National Association of Realtors -- 7001

Ethan,

Could you reserve a conference room for this meeting? Thanks--Pat


4:00 PM - 5:30 PM Mortgage Mtg. -- 503

When: Monday, March 14, 2011 4:00 PM-5:30 PM (UTC-05:00) Eastern Time



*~*~*~*~*~*~*~*~*~*

6:00 PM - 7:00 PM Policy Mtg. -- 503


Where: 503


*~*~*~*~*~*~*~*~*~*

More details to come on the agenda/format of the meeting




McCoy, Patricia (CFPB)

March 15, 2011

Tuesday




*~*~*~*~*~*~*~*~*~*

10:20 AM - 11:00 AM Meeting w/ Pat and Ethan -- 530

When: Tuesday, March 15, 2011 10:20 AM-11:00 AM (UTC-05:00) Eastern Time(US & Canada).Where: 530


*~*~*~*~*~*~*~*~*~*



2:30 PM - 3:30 PM Meet with Steve Holden, Fannie Mae re NPV models -- 523 Accountability Conference Room

When: Tuesday, March 15, 2011 2:30 PM-3:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 523 Accountability Conference Room


*~*~*~*~*~*~*~*~*~*

(b) (5)

(b) (5)






Tuesday


4:30 PM - 5:30 PM Ethics discussion re possible participation in Advisory Committee organized by the Joint Center on

Housing Studies at Harvard University -- Pat's Office - Room 530

When: Tuesday, March 15, 2011 4:30 PM-5:30 PM (UTC-05:00) Eastern Time

(US & Canada).Where: Pat's Office - Room 530


*~*~*~*~*~*~*~*~*~*

5:30 PM - 7:00 PM Policy Topics -- 503

When: Tuesday, March 15, 2011 5:30 PM-7:00 PM (UTC-05:00) Eastern Time(US & Canada).

Where: 503


*~*~*~*~*~*~*~*~*~*


March 16, 2011

Wednesday

All Day New American Foundation event

9:00 AM - 10:00 AM Staff Planning Meeting with Human Capital Team, Part 3 -- 501



*~*~*~*~*~*~*~*~*~*

The purpose of this meeting is to review research team staffing.

10:00 AM - 11:30 AM Testimony Viewing -- 7001



(b) (6)






Wednesday

*~*~*~*~*~*~*~*~*~*

5:30 PM - 6:30 PM Meet with markets candidate -- 530

When: Wednesday, March 16, 2011 5:30 PM-6:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 530


*~*~*~*~*~*~*~*~*~*

3:30 – Dan Sokolov and Garry Reeder (532)

4:00 – Marla Blow (536)

4:30 – Corey Stone (534)

5:00 – Ethan Bernstein

5:30 – Pat McCoy (530)

March 17, 2011

Thursday

9:00 AM - 9:30 AM Meet with -- 530

When: Thursday, March 17, 2011 9:00 AM-9:30 AM (UTC-05:00) Eastern Time(US & Canada).Where: 530


*~*~*~*~*~*~*~*~*~*

Raj asked me to arrange a time that you could meet with Please find

her bio attached.

9 ‐ Pat McCoy

9:30 ‐ Raj Date

10 – Dan Sokolov

10:30 ‐ Dan Geldon

11 – Elizabeth Vale

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Thursday


11:00 AM - 3:00 PM Brookings event


5:30 PM - 6:30 PM Meet with -- 530



*~*~*~*~*~*~*~*~*~*

3:30 ‐ Garry

4:00 ‐ Ethan

5:00 – Raj

5:30 ‐ Pat

March 18, 2011

Friday

9:30 AM - 10:30 AM RMR Team Leads/Deputies Meeting -- 501 Boomer Sooner

When: Friday, March 18, 2011 9:30 AM-10:30 AM (UTC-05:00) Eastern Time(US & Canada).Where: 501 Boomer Sooner


*~*~*~*~*~*~*~*~*~*

(b) (6)

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(b) (5)

(b) (5)






Friday


10:30 AM - 11:00 AM Check in with Pat McCoy -- Raj's office

When: Friday, March 18, 2011 10:30 AM-11:00 AM (UTC-05:00) Eastern Time (US &Canada).Where: Raj's office


*~*~*~*~*~*~*~*~*~*

12:00 PM - 12:30 PM Check in with Pat McCoy Part II -- Raj's office

When: Friday, March 18, 2011 12:00 PM-12:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: Raj's office


*~*~*~*~*~*~*~*~*~*

12:15 PM - 2:00 PM Private: -- Downstairs lobby

2:00 PM - 4:00 PM Review sample disclosures with contractor -- 503

When: Friday, March 18, 2011 2:00 PM-4:00 PM (UTC-05:00) Eastern Time (US& Canada).

Where: 503


*~*~*~*~*~*~*~*~*~*

The contractor will present some designs to us for discussion.


4:00 PM - 5:00 PM Finalize 7-page simple presentation for CFPB Policy Meeting on Monday -- 530



*~*~*~*~*~*~*~*~*~*

We need to finalize (and substantially simplify) the 15-minute presentation for the CFPBPolicy Meeting (the broad group one) on Monday. This should give us enough time to do

(b) (6)






Friday

that.

March 19, 2011

Saturday



March 20, 2011

Sunday



March 21, 2011

Monday




*~*~*~*~*~*~*~*~*~*






*~*~*~*~*~*~*~*~*~*


12:00 PM - 1:00 PM work

(b) (6)

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Monday

1:00 PM - 2:00 PM Illinois courts training session conference call

3:00 PM - 4:00 PM discuss qualitative study with Kleimann team -- 503


Where: 503


*~*~*~*~*~*~*~*~*~*


March 22, 2011

Tuesday


11:30 AM - 12:00 PM Meet with -- 530

When: Tuesday, March 22, 2011 11:30 AM-12:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: 530


*~*~*~*~*~*~*~*~*~*

Corey asked to set up this meeting.

10:30 – Raj

11:00 – David

11:30 – Pat

Position: Credit Reporting/FCRA lead

Previous contact: Met with Corey in late February

Interview type: Recruiting

Case study: No

12:15 PM - 2:00 PM Wei Li -- lunch -- Daily Grill

(b) (6)

(

(b) (6)






Tuesday

2:30 PM - 3:30 PM -- 503


3:30 PM - 4:00 PM Pre-meeting re GAO -- Pat's office

When: Tuesday, March 22, 2011 3:30 PM-4:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: Pat's office


*~*~*~*~*~*~*~*~*~*

4:00 PM - 6:00 PM Meghana Acharya--GAO -- 501

5:30 PM - 5:45 PM Check-in with Pat McCoy -- Raj's office

When: Tuesday, March 22, 2011 5:30 PM-5:45 PM (UTC-05:00) Eastern Time(US & Canada).Where: Raj's office


*~*~*~*~*~*~*~*~*~*

6:00 PM - 6:15 PM Check in re -- Raj's office

When: Tuesday, March 22, 2011 6:00 PM-6:15 PM (UTC-05:00) Eastern Time(US & Canada).Where: Raj's office


*~*~*~*~*~*~*~*~*~*

Dial in to follow.

(b) (6)

(b) (6)

(b) (6)





March 23, 2011

Wednesday

10:00 AM - 11:00 AM Touch base on disclosures project -- 523



*~*~*~*~*~*~*~*~*~*



11:00 AM - 12:00 PM Discuss QRM draft -- 503

When: Wednesday, March 23, 2011 11:00 AM-12:00 PM (GMT-05:00) Eastern Time(US & Canada).Where: 503


*~*~*~*~*~*~*~*~*~*

I’m not sure this time actually works for everyone but maybe we can divide half to discussthe main QRM proposal and half servicing? Please email me if you have a preference for the first or second half. Thanks



2:00 PM - 3:00 PM Data Set Meeting -- Pat's Office



*~*~*~*~*~*~*~*~*~*

The goal of this meeting is to decide what the next step will be in order to secure the datasets we require.

3:00 PM - 4:00 PM Discussion of March 31st Agenda -- Pat's Office







Wednesday


*~*~*~*~*~*~*~*~*~*

As per your email – but earlier or later will also work for me.

Thanks,Chris


4:00 PM - 5:00 PM FW: quan discussion -- room 501, 1801 L Street, NW

When: Wednesday, March 23, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: room 501, 1801 L Street, NW


*~*~*~*~*~*~*~*~*~*

Pat, I just realized you weren’t on this initial invite. Wanted to make sure you had this inyour calendar in case you wanted to attend and/or drop by for part of the meeting.

-----Original Appointment-----From: Blumenthal, Pamela (CFPB)Sent: Thursday, March 17, 2011 4:19 PMTo: Blumenthal, Pamela (CFPB); Bernstein, Ethan (CFPB); Susan D. Kleimann;

Perry, Vanessa (CFPB);Subject: quan discussion

When: Wednesday, March 23, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada).Where: room 501, 1801 L Street, NW

When: Wednesday, March 23, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time(US & Canada).Where: room 501, 1801 L Street, NW


*~*~*~*~*~*~*~*~*~*

5:00 PM - 7:00 PM Private: (b) (6)

(b) (6) (b) (6)





March 24, 2011

Thursday

10:00 AM - 11:00 AM RMR Team Leads/Deputies Meeting -- 501 Boomer Sooner

When: Thursday, March 24, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US &Canada).Where: 501 Boomer Sooner


*~*~*~*~*~*~*~*~*~*

Agenda

1. Continuation of Rulemaking procedures discussion (30 mins)2. Specialty Finance presentation of priorities, projects and deadlines (30 mins)



12:30 PM - 2:30 PM Private: -- 1120 19th St NW


3:30 PM - 4:30 PM Check in with Pat McCoy -- Raj's office

When: Thursday, March 24, 2011 3:30 PM-4:30 PM (UTC-05:00) Eastern Time (US &Canada).Where: Raj's office


*~*~*~*~*~*~*~*~*~*

5:00 PM - 10:00 PM

6:00 PM - 8:00 PM

March 25, 2011

Friday

All Day Private:

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Friday

10:00 AM - 11:00 AM Private: -- Farmington


2:00 PM - 3:00 PM Private: -- Chase Hall, UConn Law


March 26, 2011

Saturday



March 27, 2011

Sunday



March 28, 2011

Monday




*~*~*~*~*~*~*~*~*~*


10:00 AM - 10:30 AM Quick chat about our 11:30 disclosure project meeting? -- Your office

When: Monday, March 28, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time(US & Canada).Where: Your office


*~*~*~*~*~*~*~*~*~*

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(b) (6)

(b) (5)






Monday



When: Monday, March 28, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US &Canada).Where: Full Disclosure Room 503 - call-in #


*~*~*~*~*~*~*~*~*~*

------------------------------------------------------------------------------------------------ The schedule and electronic copies of presentations can be found here:



1:00 PM - 3:00 PM review next round disclosure design -- 503



*~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM Hud SAFE Act Proposed Rule Comment Response -- 503



*~*~*~*~*~*~*~*~*~*

We were able to get Full Disclosure (503) for the meeting at 3. See you there.

(b) (2)

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Monday


3:30 PM - 4:30 PM Meet with -- 530


Where: 530


*~*~*~*~*~*~*~*~*~*

Raj is considering for a senior policy analyst position within mortgage markets or a

senior advisor position.

2:00 – Garry Reeder

2:30 – David Silberman

3:00 – Professor Warren

3:30 – Pat McCoy (Ethan will join Pat at 4pm)

4:30 PM - 5:30 PM Meet with markets candidate -- 530


Where: 530


*~*~*~*~*~*~*~*~*~*

3:30 – Ethan Bernstein

4:00 – Garry

Reeder

4:30 – Pat McCoy

5:30 PM - 5:45 PM Check in re - 532



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(b) (6)

(b) (6)

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(b) (6)






Monday

*~*~*~*~*~*~*~*~*~*

Dial in to follow.

March 29, 2011

Tuesday

9:00 AM - 10:00 AM Private: -- 1120 19th St NW


When: Tuesday, March 29, 2011 9:30 AM-10:00 AM (UTC-05:00) Eastern Time



*~*~*~*~*~*~*~*~*~*

10:00 AM - 11:00 AM RMR All Hands -- 503

When: Tuesday, March 29, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time



*~*~*~*~*~*~*~*~*~*

Agenda1. Re-introductions – Raj2. Directorate Plan (office descriptions, etc.) – Raj3. Templates – Amanda4. SBREFA – Dan

5. Q&A


11:00 AM - 12:30 PM Mortgage Disclosure -- 1801 L St. (550)

When: Tuesday, March 29, 2011 11:00 AM-12:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 1801 L St. (550)


(b) (6)

(b) (6)






Tuesday

*~*~*~*~*~*~*~*~*~*


1:00 PM - 2:15 PM Confirmed: AFR Meeting re Nat'l Srvcg Standards -- 7003



*~*~*~*~*~*~*~*~*~*

2:30 PM - 3:30 PM Mtg w/ Pam, Pat, Kelly, Rich, Colgate, Tom & Ethan re: Disclosure Content -- 501 Boomer Sooner

When: Tuesday, March 29, 2011 2:30 PM-3:30 PM (UTC-05:00) Eastern Time(US & Canada).Where: 501 Boomer Sooner


*~*~*~*~*~*~*~*~*~*

Agenda to come.


March 30, 2011

Wednesday

10:00 AM - 11:00 AM Phone Mtg w/ Paul Michaud (Essex Bank, Senior Vice President, Mortgage & Consumer Lending), McCoy,

Bernstein -- 530 / 410-721-8418

When: Wednesday, March 30, 2011 10:00 AM-11:00 AM (UTC-05:00) EasternTime (US & Canada).Where: 530 / 410-721-8418


*~*~*~*~*~*~*~*~*~*

(b) (5)






Wednesday

11:30 AM - 12:30 PM RMR Team Leads/Deputies Meeting -- 501 Boomer Sooner

When: Wednesday, March 30, 2011 11:30 AM-12:30 PM (UTC-05:00) Eastern Time (US& Canada).Where: 501 Boomer Sooner


*~*~*~*~*~*~*~*~*~*

1. Specialty Finance priorities, projects and deadlines (Corey: 30 minutes)2. QRM (Dan: 30 minutes)



1:30 PM - 2:45 PM Mortgage Bankers Asso re TILA/RESPA, SAFE Act & QM -- Room 503

When: Wednesday, March 30, 2011 1:30 PM-2:45 PM (UTC-05:00) Eastern Time

(US & Canada).Where: Room 503


*~*~*~*~*~*~*~*~*~*

There will be 5/6 MBA representatives, including Ken Markison, a large bank rep,a small bank rep, and New J ersey bank rep.

Final agenda and meeting participants will be be confirmed shortly. ZQM


4:00 PM - 4:15 PM Pat McCoy Upcoming Meetings/Invites Check-In -- Your Ofc

When: Wednesday, March 30, 2011 4:00 PM-4:15 PM (UTC-05:00) Eastern Time (US &

Canada).Where: Your Ofc


*~*~*~*~*~*~*~*~*~*

(b) (5)






Wednesday

4:30 PM - 5:30 PM QRM Proposed Rule -- 503

5:30 PM - 6:00 PM Check in with Pat McCoy -- Raj's office

March 31, 2011Thursday

9:00 AM - 10:00 AM Mortgage Lead Position PDs -- Ethan's Office 539

When: Thursday, March 31, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time(US & Canada).Where: Ethan's Office 539


*~*~*~*~*~*~*~*~*~*

Hi all,

As discussed, we’ll start discussing the two lead positions with Ethan tomorrow at 9, withPat joining us when she can.

Thank you,Agnes


10:30 AM - 11:00 AM Meeting w/Eric Stein -- 7308



*~*~*~*~*~*~*~*~*~*

11:00 AM - 3:00 PM Briefing on issues in mortgage servicing and bank walkaways -- 503Prof. Frank Alexander at Emory University Law School has specifically organized for everyone at CFPB working in the area a special briefing on issues in mortgage servicing.In addition to Prof. Alexander, Kevin Byers, an Atlanta forensic accountant specializing in problems in the servicing industry and Dr. Daniel Immergluck, an expert in mortgageregulation, will conduct the briefing. I urge as many of us as possible to attend. Thelocation is near our offices.







Thursday


3:30 PM - 4:00 PM Meet with -- 530

When: Thursday, March 31, 2011 3:30 PM-4:00 PM (UTC-05:00) Eastern Time(US & Canada).

Where: 530


*~*~*~*~*~*~*~*~*~*

Raj, Dan Sokolov, Jane Dokko, Garry Reeder and Corey Stone have met with

Raj would like you to meet with him. He is interested in the Director of Research position

as well as other roles on the RMR team.

2:00 ‐ Peggy Twohig (563)

2:30 – David Silberman (536)

3:00 – Richard Cordray (557)

3:30 – Pat McCoy (530)

4:00 – Travel to Main Treasury

4:30 – Elizabeth Warren (2316MT)


(b) (6)

(b) (6)

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(b) (6)




From: Kitt, Brett (CFPB)

To: Michalosky, Martin (CFPB); Holzerland, William (CFPB)

Subject: FW: (BN) Banks Object to U.S. Consumer Bureau Sharing Data With

Date: Wednesday, September 28, 2011 11:30:05 AM

FYI

Brett M. KittSenior CounselOffice of the General CounselConsumer Financial Protection BureauTel: 202 435 7087consumerfinance.gov

Confidentiality Notice: If you received this email by mistake, you should notify the sender of the mistakeand delete the e-mail and any attachments. An inadvertent disclosure is not intended to waive anyprivileges.

-----Original Message-----

From: Fuchs, Meredith (CFPB)Sent: Tuesday, September 27, 2011 3:17 PMTo: Kitt, Brett (CFPB); Lepley, Richard (CFPB)Subject: FW: (BN) Banks Object to U.S. Consumer Bureau Sharing Data With

-----Original Message-----From: Howard, Jennifer (CFPB)Sent: Tuesday, September 27, 2011 3:09 PMTo: Adeyemo, Adewale (Wally) (CFPB); Alag, Sartaj (CFPB); Antonakes, Steve (CFPB); Cabot, Chloe(CFPB); Canfield, Anna (CFPB); Chanin Leonard (CFPB); Chopra, Rohit (CFPB); Cochran, Kelly (CFPB);Constantine, Eleni (CFPB); Cordray, Richard (CFPB); Cumpiano, Flavio (CFPB); D'Angelo, Chris (CFPB);

Date, Rajeev (CFPB); Deutsch, Rebecca (CFPB); English, Leandra (CFPB); Ficklin, Patrice (CFPB);Forrest, David (CFPB); Frotman, Seth (CFPB); Fuchs, Meredith (CFPB); Goldfarb, Rachael (CFPB);Gonzalez, Roberto (CFPB); Gordon, Ashley (CFPB); Gordon, Michael (CFPB); Gossett, David (CFPB);Gragan, David (CFPB); Gupta, Deepak (CFPB); Hillebrand, Gail (CFPB); Holland, Megan (CFPB); Howard,Jennifer (CFPB); Hrdy, Alice (CFPB); Hupp, James (CFPB); Jackson, Peter (CFPB); Jimenez, Dalie (CFPB);Kennedy, Leonard (CFPB); Kunin, Noah (CFPB); Lev, Ori (CFPB); Logan, Amanda (CFPB); Markus, Kent(CFPB); Martinez, Zixta (CFPB); McCoy, Patricia (CFPB); McDonald, Alicia (CFPB); Meyer, Erie (CFPB);Morris, Lucy (CFPB); Munz, Daniel (CFPB); Nakamura, Kent (CFPB); O'Mealia, Sean (CFPB); Petraeus,Holly (CFPB); Rathod, Nicholas (CFPB); RD; Reeder, Garry (CFPB); Riley, Jeffrey (CFPB); Sealy, William(CFPB); Shapiro, Barton (CFPB); Silberman, David (CFPB); Sokolov, Dan (CFPB); Stone, Bayard (Corey)(CFPB); Twohig, Peggy (CFPB); Vaeth, Chris (CFPB); Vale, Elizabeth (CFPB); VanMeter, Stephen (CFPB);West, Catherine (CFPB); Wiggins, Charles (Hunter) (CFPB); Willey, Chris (CFPB); Witt, Michael (CFPB);Zorc, Anne (CFPB)Subject: (BN) Banks Object to U.S. Consumer Bureau Sharing Data With

Banks Object to U.S. Consumer Bureau Sharing Data With States2011-09-27 04:00:01.0 GMT

By Carter DoughertySept. 27 (Bloomberg) -- Banks are pushing the U.S. Consumer

Financial Protection Bureau to limit information-sharing withstates out of concern that attorneys general could file lawsuitsbased on private data collected by the agency’s examiners.




The dispute, part of the financial industry’s efforts tolimit the reach of the Dodd-Frank overhaul of rules for WallStreet, revolves around a regulation on disclosure of recordsand information that the agency issued on July 21, its firstofficial day of work. The rule said sharing some confidentialdata with states may “serve the public interest.”

Such cooperation could upend the traditional relationshipsbetween large banks and their federal regulators, notably the

Office of the Comptroller of the Currency. The OCC has used itsauthority to prevent state law enforcement officials fromobtaining information from national banks including JPMorganChase & Co. and Bank of America Corp.

“The bureau is suggesting anything we provide will gostraight to the state attorneys general,” said L. RichardFischer, a banking lawyer with Morrison Foerster LLC whorepresents the American Bankers Association and the FinancialServices Roundtable. Providing data to states “will terrorizelarge banks,” Fischer said.

The consumer bureau took public comments on the rulethrough Sept. 26, suggesting it may revise the policy.

Fischer said that the banks’ concerns center on theconfidential nature of the examination process. For example, he

said, if the bureau’s bank examiners found potential violationsof federal consumer law, they might write a report directing thefirm’s board to make changes and redress wrongs, all out of thepublic eye.

Private Lawsuits

If the bureau alerted attorneys general, however, statescould file lawsuits or subpoena the data, Fischer said.Potentially, he said, private lawsuits could follow.

Supporters of the bureau’s policy said the regulation isonly fleshing out the mandate of Dodd-Frank for closer tiesbetween federal and state officials on matters of consumer

finance.“There is no indication that the CFPB will actirresponsibly in what they share with attorneys general,” JamesTierney, a former Maine attorney general who is director of theNational State Attorneys General Program at Columbia University. “Statements to the contrary are no more than saber-rattling inorder frighten clients and markets.”

Tierney said that now that Dodd-Frank is being implemented,banks are “trying to reverse the law in practice” under theguise of preserving the integrity of the supervisory process.

State Restrictions

“The fight over this law simply has not stopped,” Tierney

said.Roy Cooper, the attorney general of North Carolina, said

that part of the bureau’s new rule includes requirements thatthe states keep whatever data they get confidential.

“So if the bureau chooses to share information withstates, we have to accept those rules,” Cooper said in aninterview.

Cooper, who ended a stint as chairman of the National Association of Attorneys general in June, said that while theorganization wants to protect consumers it “has nevermaintained that state attorneys general have a role in




supervisory issues.” He added that figuring out the exactinformation the bureau would share “is still a work inprogress.”

A close relationship with state attorneys general was asignature effort of Elizabeth Warren, the adviser to PresidentBarack Obama who set up the consumer bureau. Obama has nominatedRichard Cordray, a former Ohio attorney general, to be theagency’s first director.

Cooperation Agreement

In April, the bureau and the states signed a cooperationagreement that included a commitment to share information “toinform enforcement policies and priorities.” The bureau in August began sharing information gleaned from its new consumercomplaint system with some state attorneys general through theConsumer Sentinel network run by the Federal Trade Commission.Dodd-Frank allows, but does not require, the bureau to sharethat information.

JPMorgan chief executive officer Jamie Dimon has said thatgreater enforcement by states will limit the bank’s ability toserve customers.

The new regulation on data has opened the possibility thatattorneys general will have access to the normally “quiet” supervisory process, Wayne Abernathy, an executive vicepresident at the American Bankers Association, said in aninterview.

“Bank regulators live and breathe the issue of howdelicate confidence can be in a bank, or in a banking system,” Abernathy said.

For Related News and Information:Today’s top financial stories: FTOP <GO>On financial regulation: NI FINREG BN <GO>Stories on Richard Cordray: NI ?15428821 <GO>

--Editors: Lawrence Roberts, Maura Reynolds

To contact the reporter on this story:Carter Dougherty in Washington at +1-202-624-1907 [email protected].

To contact the editor responsible for this story:Lawrence Roberts at +1-202-624-1985 [email protected].




From: Holzerland, William (CFPB)

To: Banks, Dominique (CFPB); Michalosky, Martin (CFPB)

Subject: FW: FOIA CFPB-2011-002 for OGC/Enforcement review

Date: Thursday, September 01, 2011 12:25:00 PM

FYI. Below is Enforcement’s input on the subject request. They turned it around fast.

From: O'Mealia, Sean (CFPB)Sent: Thursday, September 01, 2011 12:18 PMTo: Holzerland, William (CFPB)Subject: RE: FOIA CFPB-2011-002 for OGC/Enforcement review

Hi Bill,

Otherwise I think this looks great.

Thanks,Sean

From: Holzerland, William (CFPB)Sent: Wednesday, August 31, 2011 11:23 AMTo: Kitt, Brett (CFPB); O'Mealia, Sean (CFPB)Cc: Banks, Dominique (CFPB); Michalosky, Martin (CFPB)Subject: RE: FOIA CFPB-2011-002 for OGC/Enforcement reviewImportance: High

Sean and Brett,

I spoke with Carter Dougherty of Bloomberg this morning about the scope of item #1 of his request,

where he sought Mr. Cordray’s calendar. Per that conversation, Mr. Dougherty agreed the CFPB mayexclude attachments to Mr. Cordray’s calendar and the scope of our response to this item will be

limited to the calendar itself.

However, please note that while we’re excluding attachments for purposes of this request, Mr.

Dougherty stated he may submit a future request for these attachments after reviewing the calendar

records the CFPB will release in response to this item. So, the first 201 pages of the PDF document

need to be reviewed and there’s no need to review the balance of the records that were uploaded to

Sharepoint this morning.

Regards,

Bill

From: Holzerland, William (CFPB)Sent: Wednesday, August 31, 2011 10:15 AM

To: Kitt, Brett (CFPB); O'Mealia, Sean (CFPB)Cc: Banks, Dominique (CFPB); Michalosky, Martin (CFPB); Crissman, Gregory (CFPB)Subject: FW: FOIA CFPB-2011-002 for OGC/Enforcement review

All,

I wanted to confirm non-receipt of the email message below. I attempted to send you a

very large PDF file for review last evening, and a colleague in cyber security (copied here)

indicated there was an issue with the message and asked me to confirm that it did not go

through.

Secondly, since the file is too big to email, it will be on the Sharepoint site for you to

review. Sean, you’ve been added to the access list so you can review this request. The

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document can be found here:

http://thegreen.treas.gov/bureau/cfpb/promgt/foia/FOIA%20Requests/Forms/AllItems.aspx

.

Regards,

Bill

From: Holzerland, William (CFPB)Sent: Tuesday, August 30, 2011 4:22 PMTo: Kitt, Brett (CFPB); O'Mealia, Sean (CFPB)Cc: Banks, Dominique (CFPB); Michalosky, Martin (CFPB)Subject: FOIA CFPB-2011-002 for OGC/Enforcement review

Good afternoon Brett and Sean,

Any assistance you can provide would be most appreciated.

Thanks for your help, gents!

Regards,

Bill

William H. Holzerland, CIPP/G

Senior FOIA Analyst & FOIA Public Liaison

Office of Privacy, Information Disclosure (FOIA),Records, & Transparency

Phone: 202-435-7262

www.consumerfinance.gov

This message was secured by ZixCorp©.To reach ZixCorp, go to: http://www.zixcorp.com/info/zixmail

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From: Banks, Dominique (CFPB)

To: Kitt, Brett (CFPB); Michalosky, Martin (CFPB); Holzerland, William (CFPB)

Subject: FW: Re:FOIA request

Date: Friday, August 05, 2011 12:30:31 PM

Attachments: CFPB-2011-002.pdf alt body.htmlimage002.jpg

Brett, Marty, Bill:

Thanks

Dominique A. BanksFOIA AnalystOffice of Privacy, Information Disclosure (FOIA),

Records, & TransparencyPhone: (202) 435-7359

Email: [email protected]

-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Friday, August 05, 2011 12:27 PMTo: Banks, Dominique (CFPB)Subject: Re:FOIA request

Dominique,

Thanks for checking in. Here are the lists:

Associations

American Bankers AssociationFinancial Services RoundtableConsumer Bankers AssociationU.S. Chamber of CommerceIndependent Community Bankers of America The Clearing House Credit Union National AssociationMortgage Bankers Association Securities Industries and Financial Markets Association National Association of Federal Credit Unions Mid-Size Bank Coalition of America

As for members of the associations, let's limit it to this list:

Wells Fargo & Co.Bank of America Corp.JPMorgan Chase & Co.Citigroup Inc.Capital One FinancialUS Bank (aka US Bancorp)

law firms:

Sullivan & Cromwell

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WilmerHale (aka Wilmer, Cutler, Pickering, Hale & Dorr) Wilkie, Farr & Gallagher

Does this do it?

Thanks,Carter

------------------------------------------------------------Carter DoughertyBloomberg NewsConsumer Finance Reporter - DCo. +1 202 624 1907c.

----- Original Message -----From: Dominique Banks <[email protected]>To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 8/05 12:18:44

Carter Dougherty:

Thank you for being so responsive and agreeing to "perfect" your request. As discussed, statementswithin question 2, "...business groups including, but not limited to..." and "...or their legalrepresentatives, e.g. lawyers" were up for interpretation and needed further clarification before anysearch for records could begin. You have agreed to review Elizabeth Warren's calendar to look fornames of other specific business groups and "some places" to find the legal representatives, e.g.lawyers, for the business groups that you seek. When I receive that information from you and therequest has been deemed "perfected", the search for records will begin and the 20 business daytimeline will start. If you have any questions or concerns, please feel free to contact me at (202) 435-7359 or at [email protected]<mailto:[email protected]>.

Thank you for all of your efforts in advance


Records, & TransparencyPhone: (202) 435-7359Email: [email protected]

[cid:[email protected]]

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Subject: FW: Re:Scope of CFPB-2011-002 item #1

Date: Thursday, October 13, 2011 3:43:02 PM



-----Original Message-----From: Kitt, Brett (CFPB)Sent: Thursday, October 13, 2011 11:18 AMTo: Lepley, Richard (CFPB); Fuchs, Meredith (CFPB)Subject: FW: Re:Scope of CFPB-2011-002 item #1

See below.

Brett M. KittSenior CounselOffice of the General Counsel

Consumer Financial Protection BureauTel: 202 435 7087consumerfinance.gov


-----Original Message-----From: Holzerland, William (CFPB)Sent: Thursday, October 13, 2011 11:12 AMTo: Kitt, Brett (CFPB); Howard, Jennifer (CFPB)Cc: Michalosky, Martin (CFPB)

Subject: RE: Re:Scope of CFPB-2011-002 item #1

-----Original Message-----From: Kitt, Brett (CFPB)Sent: Thursday, October 13, 2011 11:10 AMTo: Holzerland, William (CFPB); Howard, Jennifer (CFPB)Cc: Michalosky, Martin (CFPB)

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-----Original Message-----From: Holzerland, William (CFPB)Sent: Thursday, October 13, 2011 11:09 AMTo: Howard, Jennifer (CFPB)Cc: Michalosky, Martin (CFPB); Kitt, Brett (CFPB)


Jen, just FYI...in case you get a call from Carter and he seems rather ornery, this may be why.

-----Original Message-----From: Holzerland, William (CFPB)Sent: Thursday, October 13, 2011 11:07 AMTo: 'CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:'Subject: RE: Re:Scope of CFPB-2011-002 item #1

All I can say is that the issue's beyond the control of the CFPB at the moment, but we're doing our bestto push things along.

-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Thursday, October 13, 2011 11:04 AMTo: Holzerland, William (CFPB)Subject: RE: Re:Scope of CFPB-2011-002 item #1

Hmmm. Let me guess: DoJ?Thanks,Carter

------------------------------------------------------------Carter DoughertyBloomberg NewsConsumer Finance Reporter - DC

o. +1 202 624 1907c.

----- Original Message -----From: William Holzerland <[email protected]>To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 10/13 11:02:41

Good morning Carter,Unfortunately, my hands are still tied on this particular request, as we're still waiting on the external

coordination. On another front, we're moving along on your other request and I'm hopeful we'll have

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an interim response consisting of Peggy Twohig's calendar for you in a week or so.Regards,Bill

-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Thursday, October 13, 2011 11:00 AMTo: Holzerland, William (CFPB)


Bill,We're gettin' uppity here. How are things?Carter


----- Original Message -----

From: William Holzerland <[email protected]>To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 10/03 13:26:48

Hello Carter,Just a quick update: I'm still awaiting return of the consult. I didn't want you to think we'd forgotten

about you (or this case). I'll keep you posted.Regards,Bill

-----Original Message-----From: Holzerland, William (CFPB)Sent: Wednesday, September 28, 2011 2:54 PM

To: 'CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:'Subject: RE: Re:Scope of CFPB-2011-002 item #1

Carter,It's a pleasure to be of service! Though it's correct you didn't mention other agencies, the responsive

records did. When third party agencies have equities in the responsive records, we're required to (atminimum) consult with them prior to release. In situations where a search for responsive records turnsup ones belonging to other agencies in their entirety - not the case here, but I mention it for illustrativepurposes, as you said you're relatively new to working with FOIA - we actually refer them to thatagency for direct response to the requester.Thanks,Bill


From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Wednesday, September 28, 2011 10:22 AMTo: Holzerland, William (CFPB)Subject: RE: Re:Scope of CFPB-2011-002 item #1

Thanks, Bill.Why is another agency involved? I don't think I mentioned any other.Carter

------------------------------------------------------------Carter Dougherty

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Bloomberg NewsConsumer Finance Reporter - DCo. +1 202 624 1907c.

----- Original Message -----From: William Holzerland <[email protected]>To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:)

At: 9/28 10:21:14

Good morning Carter,We're just awaiting input from another agency on the release package. The moment that input is

received, the response will be in your hands. Thanks again for your patience with this matter.Regards,Bill

-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Wednesday, September 28, 2011 10:16 AMTo: Holzerland, William (CFPB)Subject: RE: Re:Scope of CFPB-2011-002 item #1

Bill,Now seems the right time to check on the FOIA re Cordray's calendar. Where do we stand on that?Best,Carter

----- Original Message -----From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:)To: [email protected] At: 9/09 14:33:02

Bill,

Can you give me a call on FOIA #2? I did some pondering on the best way forward.

Thanks,Carter


----- Original Message -----From: William Holzerland <[email protected]>To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:)

At: 9/07 12:56:56

Understood. Thanks again, Carter.Regards,Bill


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Bill,

As long as the intent to provide the information is ironclad, then I'm not going to pound the table aboutthe date, at least not right now. Sept. 30 is a different matter. But I'm sure you know that.

Best and thanks,Carter



Thanks, Carter. As I said on the phone yesterday, two to three weeks from now would be the current

estimated date of completion for the response on the calendar request. Based on that, it means weanticipate issuing a response between September 23 and September 30 at this time. I also mentionedthat I cannot give you a guaranteed date certain, and that an estimate is not ironclad. However, wehope to get the response out sooner than we currently anticipate and will keep you posted in anyevent.Regards,Bill

-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Wednesday, September 07, 2011 11:33 AMTo: Holzerland, William (CFPB)Subject: Re:Scope of CFPB-2011-002 item #1

Bill,

I pondered request #1 overnight and here is my thought.

As I understand it, you've confirm that you can provide the Cordray calendar under the request I made. You said it would take two or three weeks more. That puts us at Sept. 23. That is a date I can livewith. Kindly confirm.

It is also worth mentioning that my request does not in any way seek personal information like Cordray'sfamily appointments. Perhaps that could lessen the burden.

Best,Carter


Bill,

Do we have an ETA on this one?

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Thanks,Carter

------------------------------------------------------------Carter DoughertyBloomberg NewsConsumer Finance Reporter - DCo. +1 202 624 1907

c.


Good morning Carter,It was a pleasure chatting with you briefly this morning about the scope of item #1 in your request for

records related to Richard Cordray, where you sought his calendar for April-July 2011. Per ourconversation, the CFPB will exclude attachments to Mr. Cordray's calendar and the scope of ourresponse to this item will be limited to the calendar itself. My understanding is that while we'reexcluding attachments for purposes of this request, you may submit a future request for theseattachments after reviewing the calendar records the CFPB will release in response to this item.

Thanks again and enjoy the rest of your day!Regards,Bill


Senior FOIA Analyst & FOIA Public Liaison Office of Privacy, Information Disclosure (FOIA), Records, & Transparency

Phone: 202-435-7262www.consumerfinance.gov

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To: Kitt, Brett (CFPB); Michalosky, Martin (CFPB)



More from Carter...


Bill,





Thanks, Carter. As I said on the phone yesterday, two to three weeks from now would be the currentestimated date of completion for the response on the calendar request. Based on that, it means weanticipate issuing a response between September 23 and September 30 at this time. I also mentionedthat I cannot give you a guaranteed date certain, and that an estimate is not ironclad. However, wehope to get the response out sooner than we currently anticipate and will keep you posted in anyevent.Regards,Bill


Bill,




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Best,Carter

----- Original Message -----From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:)To: [email protected]

At: 9/02 12:34:25

Bill,


Thanks,Carter


c.



records related to Richard Cordray, where you sought his calendar for April-July 2011. Per ourconversation, the CFPB will exclude attachments to Mr. Cordray's calendar and the scope of ourresponse to this item will be limited to the calendar itself. My understanding is that while we'reexcluding attachments for purposes of this request, you may submit a future request for these

attachments after reviewing the calendar records the CFPB will release in response to this item.Thanks again and enjoy the rest of your day!Regards,Bill




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To: Banks, Dominique (CFPB); Kitt, Brett (CFPB); Michalosky, Martin (CFPB)


Date: Wednesday, August 31, 2011 10:59:00 AM

Attachments: alt body.html

FYI

-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Wednesday, August 31, 2011 10:46 AMTo: Holzerland, William (CFPB)Subject: Re:Scope of CFPB-2011-002 item #1

Bill,

That is the understanding, thanks.

Carter



Good morning Carter,

It was a pleasure chatting with you briefly this morning about the scope of item #1 in your request forrecords related to Richard Cordray, where you sought his calendar for April-July 2011. Per ourconversation, the CFPB will exclude attachments to Mr. Cordray's calendar and the scope of ourresponse to this item will be limited to the calendar itself. My understanding is that while we'reexcluding attachments for purposes of this request, you may submit a future request for theseattachments after reviewing the calendar records the CFPB will release in response to this item.





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To: Holzerland, William (CFPB)

Subject: Fw: Special Edition Press Clips 9.6.11

Date: Tuesday, September 06, 2011 7:39:14 PM

Did you watch this, any mention of FOIA? I only caught the end.

From: Gordon, Ashley (CFPB)Sent: Tuesday, September 06, 2011 07:32 PMTo: _DL_CFPB_AllHandsCc: Moore, Megan; Hunt, Anita Maria; Wallace, Kim; Wolin, Neal; Fitzpayne, Alastair; LeCompte, Jenni;Murray, Colleen; Coloretti, NaniSubject: Special Edition Press Clips 9.6.11

Hearing Press Clips 9/6/2011

Index

Click publication title to find its location in this e-mail.

Click article title to go to its source website. Rich Cordray

· New York Times -- Live Blog: Cordray Nomination Hearing

· Washington Post -- Senate holds hearing for consumer agency nominee

· L.A. Times -- Richard Cordray vows accountability if confirmed to head agency

· American Banker -- Cordray to Downplay His Litigious Past

· American Banker -- Cordray Hearing Devolves into Partisan Fight Over CFPB Structure

· Bloomberg -- Republicans Vow Opposition to U.S. Consumer Bureau Nomination

· Politico -- Richard Shelby, GOP senator, threatens to block consumer chief

· CNN Money -- No chief for the consumer bureau any time soon

· The Hill -- Consumer Bureau nominee caught in broader political fight

· Reuters -- Republicans firm in blocking U.S. consumer agency head· Associated Press -- Democrats, GOP duel over consumer agency nominee

· Marketwatch -- Obama’s consumer-protection nominee draws scrutiny

· Housing Wire -- Single director for CFPB key issue during Cordray confirmation hearing

· Credit Union Times -- Partisan Sparring at Cordray CFPB Confirmation Hearing

· Legal Newsline -- GOP accused of 'playing games' with Cordray's nomination

· Blog of Legal Times -- CFPB Nominee Cordray Finds GOP Senators a Tough Sell

· New America Foundation (Blog) -- Cordray Nomination Hearing Today

· The Reverse Review -- Cordray Begins CFPB Director Confirmation Process

· Mortgageorb -- Sen. Shelby: Cordray's Nomination Is D.O.A.

· Executive Government -- Consumer Watchdog Nominee Facing Senate Committee

· Financial Times -- Republicans vow to block consumer nominee

· ABC News – Republicans Vow to Hold Up Consumer Financial Bureau Nominee’s Confirmation

· The Nation -- Richard Cordray Goes To Capitol Hill, But Addresses Deaf Republican Ears

New York TimesLive Blog: Cordray Nomination Hearing

SEPTEMBER 6, 2011, 3:51 PM




By Ben Protess Richard Cordray, President Obama’s pick to lead the Consumer Financial Protection Bureau, is takingthe hot seat on Tuesday. The former Ohio attorney general and five-time “Jeopardy” champion is testifying before the SenateBanking Committee, which is reviewing his nomination to head the new agency charged with policingWall Street and the lending industry. In July, Mr. Obama selected Mr. Cordray over Elizabeth Warren,

the Harvard law professor who was setting up the bureau. The nomination hearing comes amid a deep partisan divide over the bureau and its leader. In a letter to President Obama, 44 of 47 Republicans have threatened to block any nominee unless the bureauwas subjected to additional Congressional oversight. Democrats have championed the new agency — and the nomination of Mr. Cordray, who is currentlythe bureau’s enforcement chief. In a recent op-ed article in The Washington Post, RepresentativeBarney Frank, the Massachusetts Democrat who was one of the chief authors of the law that createdthe bureau, likened the Republican opposition to an “arsonist having set a fire and objecting to abuilding’s inhabitants using the fire exit.” With the battle lines drawn, what follows is an account of the blow-by-blow of the Senate committeehearing. Back to Top

Washington PostSenate holds hearing for consumer agency nominee

September 6, 12:26 PMBy Ylan Q. Mui

President Obama’s nominee to lead the new consumer watchdog agency will be in the hot seat thisafternoon as the Senate holds what is likely to be a bitter partisan debate over his confirmation. Richard Cordray gained national recognition as attorney general of Ohio, aggressively investigatingfraudulent foreclosures, and joined the Consumer Financial Protection Bureau as head of enforcementearly this year. In prepared testimony, Cordray said that he will seek to use the agency’s “bigger andmore flexible toolbox” to police financial products. “There is no such thing as a one-size-fits-all solution as we seek to aid those who want to do the rightthing and, when necessary, to thwart those who seek to take advantage of others,” he said. Whether Cordray can be confirmed remains an open question. Republican senators have vowed toblock his nomination — or that of any candidate — unless significant changes are made to the structure

of the agency. “We are proposing changes to the bureau’s structure so that it will be more accountable to the American people,” Sen. Richard Shelby (R-Ala.), ranking member of the banking committee, said in aJuly statement. But Cordray can be seen as a compromise candidate who lacks the polarizing persona of his former boss Elizabeth Warren, who is credited with inventing the agency and spent most of the past year setting it up. Warren was the top pick to lead the CFPB for many Democrats, but also alienated manyRepublicans during her time on the congressional oversight panel for the government’s program to bailout troubled banks. She is now exploring a Senate run in Massachusetts.




The CFPB launched in July but lacks the ability to oversee nonbank financial institutions such as somemortgage servicers and payday lenders unless a director is in place. Back to Top

L.A. TimesRichard Cordray vows accountability if confirmed to head agency

September 6, 2011 | 2:04 pmBy Jim Puzzanghera Former Ohio Attorney General Richard Cordray promised senators that he would be accountable toCongress if confirmed to be the first director of the new Consumer Financial Protection Bureau, hopingto address one of the criticisms of Republicans vowing to block any nominee until the agency's powersare scaled back. Cordray, who was nominated by President Obama in July, also tried to ease Republican and industryconcerns that the bureau would be too aggressive in taking on banks and other financial institutions,saying he would use government lawsuits "judiciously." "I know from my own experience that lawsuits can be a very slow, wasteful and needlessly acrimoniousway to resolve a problem," Cordray told the Senate Banking Committee on Tuesday in writtentestimony at his confirmation hearing. Sen. Tim Johnson (D-S.D.), the committee's chairman, and other Democrats criticized Republicans for "rehashing the same debate Congress had last year" over creation of the agency as part of thesweeping overhaul of financial regulations. “The purpose of today’s hearing should be to consider whether Mr. Cordray is qualified for that job.

Instead, a vocal minority is playing games with the process and holding Mr. Cordray’s nominationhostage," Johnson said. "This political gamesmanship is preventing Americans from receiving theconsumer protections they deserve and putting community banks and credit unions at a competitivedisadvantage to non-bank financial companies." In May, 44 Senate Republicans — enough to mount a successful filibuster — vowed to block theconfirmation of any nominee to head the agency unless major changes were made in its structure andthat the White House argues would weaken its powers. Among the changes they want is to replace thesingle director with a five-member bipartisan commission and make it easier for other bankingregulators to overturn the director's decisions. "Because of the expansive jurisdiction of the bureau, every American will be affected by the director’sdecisions," said Sen. Richard Shelby (R-Ala.), a leading opponent of the agency. "The director will

single-handedly determine the financial products consumers can buy, as well as which consumers haveaccess to credit, and which do not....It is staggering the amount of control the director will exert over the daily financial choices available to Americans." The delay threatened by Republicans is significant because the bureau, which began operations under an acting director in July, can't exercise some of its broad authority without a Senate-confirmeddirector. Among the powers on hold are regulation of mortgage brokers, payday lenders and other largely unregulated parts of the financial system. Cordray, 52, was one of the most aggressive state officials in taking on banks and mortgagecompanies after the financial crisis, and touted that experience Tuesday. He was hired last year to be




the head of enforcement for the consumer bureau after narrowly losing re-election in Ohio. "We pursued many actions against foreclosure rescue scammers who were reaching into the pockets of desperate people in an effort to steal what little remained as they sought to keep their homes," Cordraysaid. "And where necessary, we pursued those mortgage servicers who, despite strong warnings,repeatedly violated consumer protection laws." And although he said he would be careful in using lawsuits, he promised to take action when

necessary. "If people are ignoring or evading consumer protections laws –- and seeking to gain an unfair advantage over their law-abiding competitors –- then litigation is an essential tool, and we will use it judiciously," he said. Consumer and public interest groups on Tuesday called on senators to confirm Cordray's nomination. "It’s time for Congress to set aside politics and confirm Richard Cordray so the CFPB can fully protectconsumers," said Pamela Banks, senior policy counsel for Consumers Union. "Holding up thisnomination may be good for the big banks and shady lenders, but not for the families whose financesare drained by high-cost loans and other unfair financial practices." The U.S. Chamber of Commerce, however, said there were still many unanswered questions about thebureau's "unique and ill-advised structure" and urged senators to "press for stronger checks andbalances" for its operation. Back to Top

American Banker Cordray to Downplay His Litigious Past

SEP 6, 2011 1:19pm EDTBy Kate Davidson WASHINGTON — Richard Cordray, the former Ohio attorney general nominated to lead the Consumer Financial Protection bureau, will seek to allay Republican concerns about his aggressive enforcementstyle at a confirmation hearing Tuesday.In prepared testimony released Monday, Cordray said his options as AG were generally limited to filinglawsuits or doing nothing. But he said the CFPB has a broader range of tools — including research,rulemaking and supervision — that may be more effective. "I know from my own experience that lawsuits can be a very slow, wasteful, and needlesslyacrimonious way to resolve a problem," Cordray said. "The supervisory tool, in particular, offers theprospect of resolving compliance issues more quickly and effectively without resorting to litigation."

"We are continuing to build our capacity to make effective use of this entire range of tools," he added. As attorney general, he instituted an early warning policy of notifying parties and giving them a chanceto try to resolve issues without going to court. But Cordray, who gained national prominence for going after banks for mortgage servicing problems,didn't shy away from enforcement. "If people are ignoring or evading consumer protections laws — and seeking to gain an unfair advantage over their law-abiding competitors — then litigation is an essential tool, and we will use it judiciously," he warned.




He said law enforcement that is "evenhanded, fair and reasonable," can help level the playing field for honest businesses, and give consumers the confidence to participate in the market.He also addressed Republican criticism that the bureau, which is led by a single director andindependently funded, isn't accountable to Congress. If he is confirmed as director, Cordray said, "I promise that you will have one person who will alwaysbe accountable to you for how we are carrying out the laws laid down by Congress and I will be eager to hear your thoughts about how we should do our work."

He also touted the CFPB's early efforts to streamline disclosure forms, picking up the mantle from thebureau's architect and former de facto leader, Elizabeth Warren. "We are looking to find the samesweet spot in the thicket of other regulations we have inherited from other agencies," he said.Republicans have vowed to block the confirmation of any nominee until changes are made to thebureau's governance structure. Consumer advocacy groups, including the Consumers Union and National Council of La Raza, issuedstatements ahead of the hearing calling on Congress to confirm Cordray, and let the bureau begin itswork. "It's time for Congress to set aside politics and confirm Richard Cordray so the CFPB can fully protectconsumers," said Pamela Banks, the senior policy counsel for the Consumers Union. "Holding up thisnomination may be good for the big banks and shady lenders, but not for the families whose financesare drained by high-cost loans and other unfair financial practices." Back to Top

American Banker Cordray Hearing Devolves into Partisan Fight Over CFPB Structure

SEP 6, 2011 1:19pm EDT

By Kate Davidson WASHINGTON — In a long-awaited showdown over the future of the Consumer Financial ProtectionBureau on Tuesday, Republicans and Democrats sparred over whether the Senate should proceedwith the nomination of the bureau's first director. GOP members of the Senate Banking Committee dug in their heels and reiterated their pledge to blockthe confirmation of any nominee until changes are made to the agency's structure. But Chairman Tim Johnson dismissed those senators as a "vocal minority," accusing them of playinggames with the confirmation process and holding the nomination of former Ohio attorney generalRichard Cordray hostage.

"This political gamesmanship is preventing Americans from receiving the consumer protections theydeserve and putting community banks and credit unions at a competitive disadvantage to nonbankfinancial companies," Johnson said at Cordray's confirmation hearing. But Sen. Richard Shelby, the committee's top Republican, insisted the hearing was premature. He saidthe committee shouldn't even consider a nominee until certain changes are made, including changingthe CFPB's leadership from a single director to a five-member commission, subjecting it to theappropriations process and making it easier for a council of regulators to override the bureau'sdecisions. Neither the White House nor the Democrats have made any attempt to meet those demands, which




out," Cordray said, "and that it would never be necessary to invoke some sort of super process tooverride our rules." Cordray also vowed that the CFPB, under his watch, would not impose further burdens on communitybanks and credit unions. He also sought to allay Republican concerns about his aggressive enforcement style.

Cordray said his options as AG were generally limited to filing lawsuits or doing nothing. But he saidthe CFPB has a broader range of tools, including research, rulemaking and supervision, that may bemore effective. "I know from my own experience that lawsuits can be a very slow, wasteful, and needlesslyacrimonious way to resolve a problem," Cordray said. "The supervisory tool, in particular, offers theprospect of resolving compliance issues more quickly and effectively without resorting to litigation." "We are continuing to build our capacity to make effective use of this entire range of tools," he added. As attorney general, Cordray instituted an early warning policy of notifying parties and giving them achance to try to resolve issues without going to court. But Cordray, who gained national prominence for going after banks for mortgage servicing problems,didn't shy away from enforcement. "If people are ignoring or evading consumer protections laws - and seeking to gain an unfair advantageover their law-abiding competitors - then litigation is an essential tool, and we will use it judiciously," hewarned. He said law enforcement that is "evenhanded, fair and reasonable," can help level the playing field for honest businesses and give consumers the confidence to participate in the market. He also touted the CFPB's early efforts to streamline disclosure forms, picking up the mantle from thebureau's architect and former de facto leader, Elizabeth Warren.

"We are looking to find the same sweet spot in the thicket of other regulations we have inherited fromother agencies," he said. Consumer advocacy groups, including the Consumers Union and National Council of La Raza, alongwith a slew of businesses, issued statements ahead of the hearing calling on Congress to confirmCordray and let the bureau begin its work. "It's time for Congress to set aside politics and confirm Richard Cordray so the CFPB can fully protectconsumers," said Pamela Banks, the senior policy counsel for the Consumers Union. "Holding up thisnomination may be good for the big banks and shady lenders, but not for the families whose financesare drained by high-cost loans and other unfair financial practices."

Travis Plunkett, the legislative director for the Consumer Federation of America, said the hearing was acrucial first step in making sure the bureau is "an effective cop on the beat." "While CFA does not endorse specific nominees, Cordray has the requisite knowledge of the financialservices marketplace and a very strong track record as an effective, even-handed financial regulator,"Plunkett said in a prepared statement. Back to Top




BloombergRepublicans Vow Opposition to U.S. Consumer Bureau Nomination

Sep 6, 2011 6:46 PM ETBy Carter Dougherty Senate Republicans hearing testimony from President Barack Obama’s nominee to head the Consumer

Financial Protection Bureau said they wouldn’t confirm anyone to run the agency without changes to itsstructure. Republicans have a “substantive disagreement” about how the bureau functions under the Dodd-Frankfinancial regulatory overhaul, said Senator Richard Shelby, the top Republican on the Senate BankingCommittee, reiterating his opposition to the nomination of Richard Cordray. “That’s going to have to be resolved before we move this nomination further,” Shelby said duringCorday’s confirmation hearing today. Forty-four Republican senators have vowed to block a nominee unless the bureau is restructured toremedy what they call a lack of accountability. The changes they are demanding include thereplacement of the director with a five-member commission. In the 100-member Senate, nominees generally need 60 votes for confirmation.Senator Tim Johnson, the South Dakota Democrat who chairs the banking panel, accused Republicansof doing the bidding of banks who lobbied against the agency’s creation. “The misleading claim of no CFPB accountability -- drummed up by special interests and put forth by avocal minority -- should be exposed for what it is: an attempt to destroy the Bureau’s ability to do its job of protecting American consumers,” Johnson said. No QuestionsShelby didn’t address Cordray’s qualifications for the job of bureau director, and didn’t say he wouldsupport Cordray if the Obama administration agreed to structural changes. He asked no questions of

Cordray. Asked by Senator Robert Menendez, a New Jersey Democrat, whether Republicans had questionedhis qualifications for the job in private meetings before the hearing, Cordray responded, “They did not.”Obama announced on July 18 that he would nominate Cordray, who is currently the bureau’s assistantdirector for enforcement, to head the new agency. In doing so, Obama passed overElizabeth Warren,the Harvard professor who spent much of the past year setting up the bureau. Bartlett Naylor, financial policy advocate for Public Citizen, a consumer group, warned that the 44Republicans blocking a director confirmation were also blocking an agency that could help stop futurefinancial crises. Public Citizen and other consumer groups support Cordray. Consumer Poll

“The agency’s opponents also defy American public opinion, where polls show wide support for astrong CFPB,” Naylor said in an e-mailed statement. A July poll by the Consumer Reports National Research Center, part of the nonprofit group thatpublishes Consumer Reports magazine, found that 74 percent of those surveyed “strongly support” or “somewhat support” the new consumer agency. The poll, conducted from July 14-17, surveyed 1,012 adults. It had a sampling error of plus or minus3.1 percentage points. As Ohio’s attorney general, Cordray rose to national prominence by suing major financial firmsincluding Bank of America Corp. (BAC), JPMorgan Chase & Co. (JPM), Citigroup Inc. (C) and Ally




Financial Inc. over flawed mortgage servicing. He lost his bid for re-election in November 2010, andWarren hired him for the top enforcement slot. Asked by Senator Robert Corker, a Tennessee Republican, about his background in Ohio state politics,Cordray, who once said he would run for governor, said an independent federal regulator “must becompletely absolved of politics.” He added, “I have no plans to run for any political office.” Cordray Testimony

In his opening statement, Cordray played down the role of lawsuits in consumer protection. Theconsumer bureau has a “bigger and more flexible toolbox” than he had in Ohio, including research,regulations, consumer education and supervision of financial firms, Cordray said.“I know from my own experience that lawsuits can be a very slow, wasteful, and needlesslyacrimonious way to resolve a problem,” Cordray said. Yet he did promise lawsuits would be part of the consumer bureau’s work.“If people are ignoring or evading consumer protections laws -- and seeking to gain an unfair advantage over their law- abiding competitors -- then litigation is an essential tool, and we will use it judiciously,” Cordray said in the testimony. Back to Top

PoliticoRichard Shelby, GOP senator, threatens to block consumer chief

September 6, 2011 04:06 PM EDTBy: Josh Boak The fate of the new Consumer Financial Protection Bureau and its proposed director remained trappedby partisan gridlock at Senate confirmation hearings Tuesday.

Sen. Richard Shelby (R-Ala.) reiterated his plan to block former Ohio Attorney General Richard Cordrayfrom leading the agency, unless it is restructured as a commission and placed under greater congressional control. “One of our nation’s founding principles is that the government should be accountable to the people,”Shelby said in his opening statement. “All of the bureau’s power is concentrated in the hands of itsdirector. The director determines which rules are enacted and which enforcement actions are brought.The director makes all hiring decisions and decides how the agency spends its resources.” Senate Banking Committee Chairman Tim Johnson (D-S.D.) scolded his Republican colleagues for holding Cordray “hostage,” reminding them that “Congress created the CFPB to be a robust andindependent agency.

“This political gamesmanship is preventing Americans from receiving the consumer protections theydeserve,” he said, noting that accountability exists because the president can fire the bureau director and its budget is capped. The bureau has been mired in tension over its leadership. Many progressive groups favored namingHarvard Law School professor Elizabeth Warren—-an outspoken bankruptcy expert who set up theCFPB as a special adviser to Treasury Secretary Tim Geithner — as its director, a call that was largelygreeted with silence by the White House. President Barack Obama chose instead to nominate Cordray, who took over the agency’s enforcementdivision after losing re-election as Ohio attorney general last year.




While the CFPB officially began operations in July, its authority to issue rules and guidance arerestricted without a Senate-approved director in place. The GOP and many within the banking industryfavor structural changes that could slow how quickly the agency can act. The financial sector has a colossal stake in the hearings, since Cordray could dramatically reshapehow mortgages, loans and credit cards are offered to the public.

“This is akin to a Supreme Court nominee for us,” said Richard Hunt, president of the Consumer Bankers Association. “I believe this director has more power at any agency since J. Edgar Hoover.” The comparison to the FBI reveals just how much impact the new agency could have with its power tocurb “abusive” practices, a broad term that Hunt said could limit the types of financial productsavailable. “We think the word ‘abusive’ could lead to certain products being banned,” he said. “Our economy ismuch more dynamic than just a simple 30-year fixed interest mortgage. Our customers are way toosophisticated for that. And it stifles innovation.” In his prepared testimony, Cordray indicated that his experience as Ohio attorney general—-where hesued Bank of America and the American Insurance Group—-left him hesitant to regulate mostlythrough litigation. Lawsuits “can be a very slow, wasteful and needlessly acrimonious way to resolve a problem,” he said. Instead, Cordray plans to rely on a broad slew of powers granted to the agency in the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act. “Our bigger and more flexible toolbox includes research reports, rulemaking, market guidance,consumer education and empowerment, and the ability to supervise and examine both large banks andmany nonbank institutions,” he said in his remarks. The statement only exacerbated the worries of some in the banking community, because it suggested

a degree of heightened oversight by an agency with independent funding. A financial services lobbyist said this is why some GOP lawmakers are willing to block Cordray. Theywant to restructure the bureau to be led by a five-person commission instead of a single director, inaddition to granting Congress some authority over the CFPB’s finances. “Those very broad powers cry for the need of some basic [legislative branch] accountability,” thelobbyist said. Back to Top

CNN MoneyNo chief for the consumer bureau any time soon

September 6, 2011: 5:35 PM ETBy Jennifer Liberto WASHINGTON (CNNMoney) -- President Obama's nominee to run the Consumer Financial ProtectionBureau got a hearing on Tuesday, but that may be all he gets.Democrats want Richard Cordray to be the consumer bureau's first director. Republicans say theyhaven't changed their mind -- they won't confirm any director to run the bureau without significant




changes to the bureau's structure, which would weaken the bureau's powers. During the Tuesday hearing, the ranking Republican on the Senate Banking panel, Sen. RichardShelby, called the hearing "premature," saying that the panel shouldn't be considering any nomineeuntil Democrats take their demands for accountability more seriously. Republicans want the director replaced with a panel and they want to make it easier to veto consumer bureau rules.

"You're caught between a big substantive debate here, as you well know," Shelby said to Cordray. Cordray, 52, works as the chief enforcement officer for the Consumer Financial Protection Bureau(CFPB) in Washington. He's an attorney who served in the Ohio state house and teaches at OhioState University as an adjunct professor. Democrats used the Senate banking hearing to complain that Republicans were using filibuster powersto hamstring the bureau and rehash a battle fought last year. "This vocal minority insists on rehashing the same debate Congress had last year when it created theCFPB as an accountable yet independent regulator," said Senate Banking chief Tim Johnson. Sen. Bob Corker, a Tennessee Republican, said that his big opposition is that there's no way tochallenge a decision by the consumer bureau, unless a particular rule "threatens the stability of thefinancial system." The consumer bureau can be over-turned by two- thirds vote of a panel of financial regulators, whichCorker called a "high hurdle."Corker asked Cordray if he thought that veto power over the bureau's decisions was a high hurdle. "It is a high hurdle, but not an inappropriate one," Cordray said. Behind the Bureau: In July, the CFPB launched as an independent agency, got the power to startexamining the books of the nation's largest banks to make sure they're abiding by existing laws thatprotect consumers.

The bureau can also make sure that the banks are following credit card laws that crack down on fees,and spell out how long it takes to pay off credit card debt through minimum payments. However, until Cordray steps up as the official director, the bureau continues to lack new powers criticalto preventing the next financial crisis -- - such as regulating the non-banking firms that originatedhundreds of millions of dollars in subprime mortgages, in the height of the boom, to families whocouldn't afford them, During the hearing, Cordray acknowledged that lack of power as "unfortunate," especially for smaller banks who compete with nonbanks. The CFPB was the brainchild of Elizabeth Warren, a Harvard University law professor. The bureau is

intended to make basic financial practices - - such as taking out a mortgage or making loans -- moreclear and transparent, while ferreting out unfair lending practices. Warren had been a leading candidate to run the bureau and spent the past year working as a WhiteHouse and Treasury adviser setting up the bureau. She has returned to Harvard University. Back to Top




The HillConsumer Bureau nominee caught in broader political fight

September 6, 2011, 04:57 PM ETBy Peter Schroeder The nomination of Richard Cordray to become the first director of the Consumer Financial ProtectionBureau (CFPB) remains bogged down in a long-running partisan fight over the fate of the broader

agency. The former Ohio attorney general appeared Tuesday before the Senate Banking Committee to discusshis nomination, but found himself largely playing a bit part in what has been a contentious fight over the agency as a whole. Most of the battle over his nomination was not about the man himself, but rather the structure of thebureau he aspires to oversee. Republicans have consistently maintained that the CFPB as is lacksaccountability, and are demanding several structural changes to its operations before they will consider any potential director. In his opening statement, committee ranking member Richard Shelby (R-Ala.) only mentioned Cordrayin passing and did not weigh in on his qualifications for the job. Instead, he argued the hearing was"premature" so long as the CFPB existed in its current form. "The majority structured the bureau to grant its director unprecedented authority over the lives of the American people without any effective checks," he said. "All of the bureau's power is concentrated inthe hands of its director." And Sen. Bob Corker (R-Tenn.) accused his Democratic colleagues of employing "half truths, mistruthsand untruths" in describing the GOP's opposition to the bureau. "I'm shocked ... to hear the spewing from almost everyone on the other side of the dais," he said.Forty-four Republican senators have vowed to block any nominee to head the bureau unless thedirector is replaced by a board, its budget is brought under the control of congressional appropriators,

and it is required to consider the safety and soundness of banks in creating rules. The filibuster-proof majority, if it holds firm, will have the ability to block Cordray indefinitely. Shelbysaid the GOP was united in its push for "reasonable changes" and called on the administration toconsider them."Our position is clear," he told reporters after the hearing. Committee Chairman Tim Johnson (D-S.D.) opened the hearing by accusing the Republican minorityon the panel of "playing games" with the nomination in an attempt to hogtie the bureau and of re-legislating the Dodd-Frank financial reform law after failing to block it in 2008. "This political gamesmanship is preventing Americans from receiving the consumer protections theydeserve," he said.

Sen. Sherrod Brown (D-Ohio) said the Senate's historian told him it was unprecedented for acongressional minority to block a nominee over opposition to the broader agency's "very existence.""We already had this debate once," he said. "What kind of precedent does this set?" Democrats on the panel were eager to list the ways the CFPB's powers are checked. In particular, theyhighlighted curbs unique to the CFPB, such as the statutory cap placed on its budget and the ability of fellow regulators to overrule CFPB regulations if they deem them to be harmful to bank soundness.For his part, Cordray sought to assuage GOP concerns in his testimony, emphasizing ways the bureaucould actually help "honest" businesses, and downplaying heavy-handed enforcement from the bureauunder his watch. He said lawsuits can be "very slow, wasteful and needlessly acrimonious" and should




be used "judiciously." Instead, he highlighted a wide range of alternatives available to the CFPB whiledeferring to lawmakers. "I promise that you will have one person who will always be accountable to you for how we arecarrying out the laws laid down by Congress," he said. While Cordray was largely caught in the middle of the partisan fight, he was pressed by Sen. BobCorker (R-Tenn.) on how independent a regulator he could be. Noting that Cordray had mulled running

for governor of Ohio as a Democrat, Corker questioned whether Cordray would try to make a name for himself at the CFPB in the pursuit of elected office. Cordray admitted he once considered a run, butshot down those concerns. "I have no plans to run for any political office," he said. A committee vote on Cordray has not yet been scheduled. Back to Top

ReutersRepublicans firm in blocking U.S. consumer agency head

Sep 7, 2011 2:16am ISTBy Dave Clarke Republicans on Tuesday remained determined to block President Barack Obama's nominee to headthe new Consumer Financial Protection Bureau. Republicans are demanding the administration agree to change the structure of the agency beforeallowing the Senate to move forward with its consideration of former Ohio Attorney General RichardCordray.

"It is regrettable that the President and the majority have chosen to ignore our request rather than workwith us to improve the bureau's accountability," Senator Richard Shelby, the leading Republican on theSenate Banking Committee, said in remarks prepared for a hearing Tuesday on Cordray's nomination."It may be good politics for them, but it is certainly bad policy for the American people," he said. Republicans have opposed the agency as a regulatory overreach since it was created as part of the2010 Dodd-Frank financial oversight law.Democrats have balked at Republican demands, charging the minority party with using the nominationprocess as blackmail to weaken the agency. "This political gamesmanship is preventing Americans from receiving the consumer protections theydeserve," Senate Banking Committee Chairman Tim Johnson said in prepared remarks.

The bureau, which opened its doors on July 21, will oversee products like credit cards and home loans.In order to allow a nominees to be confirmed, Republicans want three changes made to the bureau:Have it run by a board rather than a director; subject its budget to annual congressional approval; andgive other regulators more authority over bureau regulations. Cordray's best chance of being confirmed by the Senate is if the administration and Republicans dosomething they have been unable to do in recent months: compromise.Whether Cordray is the right man for the job has barely entered the discussion in the larger showdownbetween Republicans and Democrats over whether the bureau will stop lending abuses or will be theregulatory straw that breaks the lending industry's back.




In Ohio, Cordray was a vocal critic of Wall Street and lending practices leading up to the 2007-2009financial crisis, but Republicans have not made him or his record the focus of their opposition to hisnomination as director. Back to Top

Associated PressDemocrats, GOP duel over consumer agency nominee

09.06.11, 06:01 PM EDTBy ALAN FRAM WASHINGTON -- The new Consumer Financial Protection Bureau has too much unfettered power andPresident Barack Obama's choice to lead it will be blocked until the agency is made more accountable,Senate Republicans said Tuesday. At a Banking Committee confirmation hearing on Richard Cordray's nomination, Republicans did notassail the credentials of the president's pick, a former Ohio attorney general. Instead, they complainedthat the bureau's director will have too much independence and said other federal financial regulatorswould be unable to curb the agency's actions, even if its rulings threaten to cause instability in thebanking system. "You're caught between a big substantive debate here, as you well know," the panel's top Republican,Sen. Richard Shelby of Alabama, told Cordray. "That's going to have to be resolved, I think, before wemove this nomination farther." Democrats said the bureau's authority was comparable to other federal regulatory agencies. They saidthe GOP was playing political games aimed at scuttling the agency's ability to protect consumers whoborrow money or make other financial transactions.

"The misleading claim of no CFPB accountability - drummed up by special interests and put forth by avocal minority - should be exposed for what it is: An attempt to destroy the bureau's ability to do its jobof protecting American consumers," said Sen. Tim Johnson, D-S.D., the banking panel's chairman. The clash echoed the fight over legislation regulating Wall Street - and creating the new agency - thatthe president and Democrats pushed through Congress last year in response to the 2008 financialcrisis. It is also a front in the broad partisan battle over the stalled economy and Obama administrationefforts to use federal spending and regulations to revive it, a debate that will be pivotal in next year'spresidential and congressional elections. "There could not be a worse time to give an unelected and unaccountable bureaucrat a blank check toimpose even more ill-considered rules that could further undermine our weak economy," Shelby said.

Johnson also tried using the economy to his advantage, saying, "The stability of our financial system,and of our economy, is simply too important to be put at risk by political games." The agency is designed to protect consumers taking out loans, using credit cards and making other financial transactions. Obama nominated Cordray, 52, to head the bureau in July, just as it wasopening its doors for the first time. The president had appointed consumer advocate Elizabeth Warren to help set up the bureau, butdecided not to nominate her to become its director in the face of strong opposition from Republicans,who considered her too much of an activist.




Republicans said the bureau's director will have too much discretion to determine which financialinstruments it will curb, which rules it will issue and which lawsuits it will instigate. "The director's decisions will impact whether Americans can buy a home, a car or even basichousehold goods," Shelby said. GOP lawmakers from both chambers want several changes, including replacing the bureau's director

with a bipartisan commission, making it easier for other financial regulators to overrule the bureau andgiving Congress direct power over the agency's budget. Currently, the bureau gets its money from theFederal Reserve, of which it technically is a part. In May, 44 Senate Republicans signed a letter saying they will oppose any nominee without arevamping of the bureau that would include such changes. Democrats who control the 100-member Senate can only count on 53 votes to end delaying tactics - seven short of the 60 needed to do so. "Almost all of this would go away if the administration would just sit down and put appropriate checksand balances in place," said Sen. Bob Corker, R-Tenn. Democrats said the president can fire the director, pointed out that some other regulatory agencieshave single directors and noted that the Wall Street overhaul law already allows a panel of other financial regulators to overrule the bureau. "They only want to block his (Obama) nomination, or anybody else's nomination, simply because theydon't like the agency," said Sen. Sherrod Brown, D-Ohio. "They apparently don't want a consumer agency to be representing consumers." Cordray has been the bureau's enforcement chief in recent months, and as Ohio attorney generalbrought headline-grabbing lawsuits against some of the country's biggest banks over their foreclosurepractices. Amid rumblings that he might be interested in running for higher office in Ohio, Cordray toldthe senators that he has "no plans to run for any political office." Cordray said his experience as Ohio attorney general taught him that litigation can be slow, costly and

unnecessarily acrimonious. He said he would use lawsuits "judiciously," and noted that the bureau hasother powers to resolve problems, including issuing rules, writing reports and examining large banksand many non-bank institutions. In a bid to reach out to Republicans, Cordray also said that if confirmed, "I promise that you will haveone person who will always be accountable to you for how we are carrying out the laws laid down byCongress and I will always be keenly interested in your thoughts about how we should do our work." Back to Top

MarketwatchObama’s consumer-protection nominee draws scrutiny

Sept. 6, 2011, 5:07 p.m. EDTBy Ronald D. Orol WASHINGTON (MarketWatch) — The Obama administration’s nominee to head a Consumer FinancialProtection Bureau on Tuesday met with blistering opposition from Republican lawmakers who arguedthat the agency will raise mortgage costs and is unaccountable because it is to be run by a one-persondirector.




“I’m not willing to support any nominee until we implement the proper checks and balances – includingreplacing an all -powerful ‘credit czar’ with a board to oversee the bureau,’” Sen. David Vitter said at aSenate Banking Committee at a hearing for the White House nominee to head the agency. Former Ohio Attorney General Richard Cordray, the White House nominee to head the agency, testifiedbefore the committee. The hearing is the first step in a process to install Cordray as the CFPB’s chief. However, regulatory observers contend that with Republican opposition, it is unlikely Cordray will obtain

the filibuster-proof 60 votes necessary to be approved by the Senate for the position. Vitter and 43 other Republican Senators have signed a letter saying they won’t back any nominee tohead the bureau unless structural changes are made, such as creating a panel instead of a one-persondirector. “We still do not see how Cordray finds 60 votes needed for confirmation,” said Jaret Seiberg, analyst atMF Global Inc. in Washington. Republicans blasted Cordray, taking issue with the agency’s make-up, arguing it’s would be moreaccountable if it was headed by a bipartisan panel of regulators. They insist that the agency threatensto hurt mortgage lenders, raise costs for consumers, limit their choices and make it impossible for some qualified borrowers to buy a home. “The director’s decision will impact whether Americans can buy a home, a car, or even basic householdgoods,” said Sen. Richard Shelby, the top Republican on the panel. “The director will single-handedlydetermine the financial products consumers can buy as well as which consumers have access to creditand which do not.” Cordray defended the agency’s make-up, noting that some agencies, including the Office of theComptroller of the Currency and the Federal Housing Finance Agency, have single directors and their structures aren’t subject to congressional opposition. He acknowledged that other agencies, such asthe Securities and Exchange Commission, do have bipartisan boards. “Different independent agencies are structured in different ways,” Cordray said. “Other agencies do

have a boards, it can work both ways, but Congress created us and we’re trying to implement thatlaw.” Democrats on the panel backed Cordray, saying that his leadership of the agency will help limit thekinds of subprime mortgages and predatory lenders that helped drive the financial crisis of 2008. “I’m optimistic with a confirmed director in place at the CFPB we can start to rein in those predatorylenders in parts of the country where they continue to prey on American families,“ said Sen. KayHagan, Democrat of North Carolina. A number of Democrats also expressed frustration with Republican efforts to transform oversight of thebureau into a panel with Republican and Democratic commissioners.

“They [Republicans] demand that we radically change the structure of the agency months before it hadeven opened its doors,” said Sen. Robert Menendez, Democrat of New Jersey. “Last time I checked indemocracy, when there is an election of people they chose their representatives, you have votes bothin committee and on the floor and then those votes lead to passage of legislation. It is the law of theland. Unless we want to change the dynamics of what democracy means in this country.” Sen. Bob Corker, Republican of Tennessee, said he was “a little shocked and disappointed” bycomments from Democrats at the hearing. He and Shelby raised concerns with the limited powers a newly formed Financial Stability OversightCouncil has to reject rules approved by the agency. The FSOC can challenge a CFPB rule if it




threatens the stability of the financial system. “It’s a pretty big hurdle,” Corker said. “Almost all of this would go away if the administration would sitdown and put appropriate checks and balances in place.” However, Cordray noted that other agencies aren’t subject to rejection by other regulatory groups. The new agency is charged with writing rules for mortgages and other consumer credit products. It has

rule-writing, supervisory and enforcement authority over banks and a hodgepodge of so-called nonbankfinancial companies that, in the run-up to the financial crisis, escaped regulation of any sort. These nonbank institutions include payday lenders, which offer cash loans to low-income individuals,mortgage-modification consultants and smaller state and local mortgage brokers that originated many of the most “toxic” mortgages. Democrats pressed their concern that, without a confirmed director, these nonbanks will continue tohave less oversight than their community bank and credit union rivals, creating a competitivedisadvantage. Cordray acknowledged that concern and said the agency will limit costs on smallinstitutions. “We will not impose further burdens on community banks and credit unions,” Cordray said. So far, the agency has hired nearly 500 employees, roughly half of which are new hires. The rest aretransferring from other agencies. Back to Top

Housing WireSingle director for CFPB key issue during Cordray confirmation hearing

September 6th, 2011, 4:33 pmBy Kerri Panchuk Consumer Financial Protection Bureau nominee Richard Cordray stepped in front of the SenateBanking Committee Tuesday for a CFPB confirmation hearing that continued to highlight partisandifferences over the CFPB and its single-director structure. Whether a single director should lead the consumer agency remained a point of contention amongcommittee members, who previously have vowed to block any nominee if structural changes aren'tmade. Republicans seek a five-member bipartisan commission to carry out the duties of a director — achange that the Obama administration has said would weaken the CFPB's powers. Cordray assured Sen. Bob Corker (R-Tenn.) he would actively heed the concerns of community banks

who fear cumbersome consumer protection rules will chase them out of the marketplace, and also saidhe didn't seek to inject himself into the legislative process concerning the single director vs. committeestructure of oversight. Republicans were sympathetic to Cordray's position, with Corker adding, "I am sorry that you arecaught up in all of this. All of this would go away if the administration would just sit down and putappropriate checks and balances in place." Sen. Richard Shelby (R-Ala.) said the structural issues need resolution before further discussions occur on Cordray.




"We do not believe we should consider any director until changes are made to the bureau," Sen.Richard Shelby (R-Ala.). "I am sure you have a great background and have a fine family," Sen. Shelbysaid. "But you are caught between a big substantive debate and that is going to have to be resolved." He added, "We advocated for a consumer agency, but we wanted accountability with it, and we stilldo."Democrats fought for Cordray during the hearing, highlighting his background as a former Ohio attorneygeneral who fought for consumer protection laws. Sen. Tim Johnson (D-S.D.), the committee's

chairman, contended "a vocal minority is playing games with the process" and holding everyonehostage. The bureau officially opened July 21 without a permanent director. Cordray currently serves as thebureau’s enforcement chief. In the Q&A session, Sen. Corker asked Cordray about strategic defaults and how he viewshomeowners who use foreclosure as a strategy to escape underwater mortgages. "That's part of the balance that has to be drawn," Cordray said. "I am someone who tries to pay mycredit card balances on time. I do not want to be billed for the problems of others." Corker also addressed concerns about checks and balances when it comes to CFPB rulemakng.Corker pointed out that unless the CFPB creates a rule that threatens the stability of the financialsystem, the CFPB will not be overruled. "That's a pretty high threshold is it not?" Corker asked. Cordray said it was not inappropriate becausethe bureau will be working with other agencies to make sense of the new rules and processes. Back to Top

Credit Union TimesPartisan Sparring at Cordray CFPB Confirmation Hearing

September 6, 2011BY CLAUDE R. MARX Senate Banking Committee Committee Chairman Tim Johnson on Tuesday accused a “vocal minority”of panel members of obstructing the nomination of Richard Cordray as director of the Consumer Financial Protection Bureau while the panel’s top Republican said they were exercising their time-honored rights to have their say. “This vocal minority insists on rehashing the same debate Congress had last year when it created theCFPB as an accountable yet independent regulator. The fact is that every regulatory agency isstructured with different features that make it accountable,” the South Dakota Democrat said.

“Each agency has a unique combination that fits its mission and independence. Last year, Congressdecided on a structure for the CFPB which borrows some accountability features from other regulators,but also includes several new features unique to the consumer agency,’’ Johnson said in his openingstatement at the hearing. Alabama Sen. Richard Shelby, the panel’s top Republican, defended his party’s refusalto consider anynominee until the CFPB’s structure is changed to have it run by a five-person board rather than just asingle director. He said the current structure gives “an unelected and unaccountable bureaucrat a blank check to




make rules that could further add to the regulatory burden of businesses and prevent the creation of needed jobs.’’ And he added that the Republicans’ efforts to use the Senate rules to block Cordray’s confirmation arein keeping with the chamber’s tradition and not a “radical undertaking.”Cordray, a former attorney general of Ohio, was nominated to run the CFPB by President Obama inJuly. He was scheduled to speak later at the hearing.

Back to Top

Legal NewslineGOP accused of 'playing games' with Cordray's nomination

September 6, 2011BY JESSICA M. KARMASEK CordrayWASHINGTON (Legal Newsline) - U.S. Senate Banking Committee Chairman Tim Johnson saysRepublicans are "playing games" in holding up former Ohio Attorney General Richard Cordray'snomination to head the new Consumer Financial Protection Bureau. POLITICO obtained a copy of testimony Johnson planned to give Tuesday. "The purpose of today's hearing should be to consider whether Mr. Cordray is qualified for (the) job...Instead, a vocal minority is playing games with the process and holding Mr. Cordray's nominationhostage," Johnson says in the testimony. The banking chairman points directly to the GOP. "This political gamesmanship is preventing Americans from receiving the consumer protections they

deserve and putting community banks and credit unions at a competitive disadvantage to non-bankfinancial companies," Johnson said. Cordray's confirmation has been postponed since July, when he was nominated by President BarackObama. The banking committee had a hearing scheduled last month but delayed it until after senators returnedfrom their August recess, on Tuesday. "The fact is the financial crisis and the recession were not the result of normal economic cycles or justa run of bad luck," Obama said while nominating Cordray. "They were abuses and there was a lack of smart regulations."

The bureau was created by the Dodd-Frank regulatory overhaul and is tasked with regulatingconsumer financial products. In November, Cordray lost to former Lt. Gov. and U.S. Sen. Mike DeWine, a Republican, in the stateattorney general race. He had been elected to the post in November 2008 to serve the remainder of theterm held by the previous attorney general, Marc Dann. Dann had resigned in May 2008 amid a sexscandal. Prior to being attorney general, Cordray served as the Ohio State Treasurer and as treasurer of Franklin County, Ohio. He also served as a member of the Ohio House of Representatives and as thestate's first solicitor.




“The purpose of this hearing should be to consider whether Mr. Cordray is qualified for the job,” saidCommittee Chairman Tim Johnson (D-S.D.). “Instead, a vocal minority is playing games with theprocess and holding Mr. Cordray’s nomination hostage....This political gamesmanship is preventing Americans from receiving the consumer protections they deserve and putting community banks andcredit unions at a competitive disadvantage to nonbank financial companies." Sen. Sherrod Brown (D-Ohio) agreed. “Nobody questions [Cordray’s] qualifications,” he said. “Theyonly want to block his nomination – or anyone else’s – because they don’t like the agency.”

Sen. Charles Schumer (D-N.Y.) accused Republicans of trying to re-open the debate on Dodd-Frank.“We fought those battles last year, and consumers won,” he said. “They lost the legislative battle....Weshould not re- litigate the existence of the CFPB.” Sen. Bob Corker (R-Tenn.) said he was “shocked” and “disappointed by the rancor of this meeting.” Hecontinued, “It would all go away if the administration would sit down and put appropriate checks andbalances in place.” As for Cordray, he remained unflappable throughout the hearing, his smiling 12-year old twins seatedbehind him along with his wife, Peggy, a professor at Capital University Law School in Columbus,Ohio. He touted his experience as Ohio attorney general (he was defeated by Mike DeWine in 2010), andpointed to the CFPB’s work on simplified mortgage disclosure forms as a model action, providing clarityto consumers as well as reducing paperwork burdens for lenders. “We are looking to find the samesweet spot in the thicket of other regulations we inherited from other agencies,” he said. Back to Top

New America Foundation

Cordray Nomination Hearing TodaySeptember 6, 2011By Justin King Richard Cordray is headed to the Senate Banking Committee this afternoon for hearings on hisnomination to be chief of the Consumer Financial Protection Bureau. Politico says that there could wellbe some fireworks at the nomination hearing. When I was a youngster living here in DC, one organization paid me and a friend $10/hour to sit in lineovernight outside of the Hart Senate Office Building so that we could guarantee their lobbyist goodseats at an important hearing the next morning. We stayed up all night (you got hassled by the CapitolPolice if you slept) with a fascinating assortment of bike messengers, professional "line sitters" andothers so that someone else could sit in a room and see what happened. If I recall correctly, I think I

made $100. Nowadays, it's a lot easier to watch consequential events like this happen. All you have to do is clickthis link at about 2:30pm. Back to Top




Reverse ReviewCordray Begins CFPB Director Confirmation Process

06 September 2011 06:00By Brett Varner Richard Cordray, President Obama's nominee for the Director of the Consumer Financial ProtectionBureau (CFPB), is appearing before the Senate Banking Committee today as the the Senateconfirmation process has begun.

In his opening remarks, Cordray intends to downplay the use of litigation in enforcing the regulations of the agency believing that lawsuits should be used judiciously. He states that his experience as Attorney General for the State of Ohio has taught him that litigation can be slow and costly. He seeksto use the various other powers available to the agency to resolve problems. "I quickly learned that there is no such thing as a one-size-fits-all solution as we seek to aid those whowant to do the right thing," Cordray states. "And, when necessary, to thwart those who seek to takeadvantage of others" He stated, if confirmed, "I promise that you will have one person who will always be accountable to youfor how we are carrying out the laws laid down by Congress and I will be eager to hear your thoughtsabout how we should do our work." His confirmation faces an uphill battle as Republican Senators have pledged to block any nominee tolead the CFPB until new legislation is considered to make the agency more accountable. Thelawmakers are demanding that the director post be replaced by a bipartisan commission and that theagency's budget be placed under the appropriation process. Under the current structure, the CFPB'sbudget is established as a percentage of the Federal Reserve's budget which the Republicanopposition believes lacks appropriate oversight. In order to be confirmed, Mr. Cordray would need to receive 60 votes in the full Senate. Democratscurrently hold 53 seats and Republicans hold 44. Back to Top

MortgageorbSen. Shelby: Cordray's Nomination Is D.O.A.

September 6, 2011By Staff The ranking member of the U.S. Senate Committee on Banking, Housing and Urban Affairs hasrestated that today’s confirmation hearing for Richard Cordray to become the first director of theConsumer Financial Protection Bureau (CFPB) is an exercise in futility.

TheHill.com reports that Sen. Richard Shelby, R-Ala., will not allow the Cordray nomination to movebeyond the hearing unless the White House agrees to change the CFPB structure from a singledirector to a committee. A spokesperson for Shelby repeated the previous opposition of 44 Republicansenators to the CFPB’s current configuration. "Opposition to or support of Mr. Cordray's nomination will become relevant as soon as the presidentagrees to make the structural changes we've requested," says Shelby spokesperson Jonathan Graffeo."Until then, Sen. Shelby and his colleagues stand firmly behind the statement they expressed in their May letter: No accountability, no confirmation."




Republicans have maintained pro forma sessions of Congress throughout August, in order to preventPresident Obama from using a recess appointment for Cordray. The CFPB officially opened on July 21. Back to Top

Executive GovernmentConsumer Watchdog Nominee Facing Senate Committee

September 6, 2011By Ross Wilkers Richard Cordray, the nominee to head the new Consumer Financial Protection Bureau, will beconsidered by the Senate Banking Committee Tuesday.Congress returns from its August vacation this week and Cordray’s nomination is one issue scheduledto be addressed. The AP reports Cordray is promising to be accountable to Congress, a concern many Republicansvoiced in objection to Cordray’s nomination. Republicans promised to block any nominee unlesschanges are made to make the bureau more accountable. “You will have one person who will always be accountable to you for how we are carrying out the lawslaid down by Congress and I will be eager to hear your thoughts about how we should do our work,”Cordray said according to the AP. President Barack Obama appointed Harvard professor Elizabeth Warren to help set up the agency,created in response to the financial crisis. However, facing heavy Republican opposition, Obama didnot nominate her. Back to Top

Financial TimesRepublicans vow to block consumer nominee

September 6, 2011By Shahien Nasiripour Richard Cordray, President Barack Obama’s pick to run the new US consumer finance agency, will notbe confirmed for the post until the White House changes the structure of the unit and scales back itsauthority, Senate Republicans vowed Tuesday.

Mr Cordray, a former state attorney-general who has sued banks for improper mortgage practices,faced the Senate banking committee for the first time since Mr Obama nominated him in July to headthe unit, formed as part of the Dodd-Frank financial regulation overhaul. Committee Republicans, led by Richard Shelby of Alabama, reiterated their opposition to the fledglingagency, arguing that it lacked “effective” checks on its authority and its chief would be too powerful insetting credit terms and unaccountable to industry or Congress. Democrats and consumer groups counter that the agency’s rules will be able to be overturned by bankregulators and that all of its rule-making will be subject to review. They add that the agency’s structure – it is headed by a single executive, as opposed to the Republican-desired five-person commission –




is no different than that of the Office of the Comptroller of the Currency, the agency that regulatesnational banks. “I’m sure you have a good background,” Mr Shelby told Mr Cordray, “but you’re caught between a bigsubstantive debate and that will have to be resolved before we move forward.” In May, 44 Senate Republicans vowed to block the confirmation of any nominee until the agency’sstructure was transformed. A new law, in effect rewriting a part of Dodd-Frank, would have to be

passed.Senator Sherrod Brown, an Ohio Democrat, told the panel that this was the first time in the history of the Senate that the minority party threatened to prevent an agency nominee from being confirmed dueto their opposition to the very idea of an agency. “That kind of partisanship is why people are so unhappy with their government,” Mr Brown said.Mr Cordray, also of Ohio, has the support of the Ohio Bankers League and the Ohio Credit UnionLeague. A former Jeopardy! champion and US Supreme Court clerk, Mr Cordray’s first job was flippinghamburgers at McDonald’s. Back to Top

ABC NewsRepublicans Vow to Hold Up Consumer Financial Bureau Nominee’s Confirmation

Sep 6, 2011 7:19pmBy Sunlen Miller Richard Cordray, President Obama’s nominee to head the new Consumer Financial Protection Bureau,took the hot seat before the Senate Banking Committee today. Most of the Republicans’ concerns haveto do with the structure of the bureau and the accountability of its eventual director, not Cordrayhimself, who seemed to avoid most of the heat.

“You’re caught in a big substantive debate,” Sen. Richard Shelby, R-Ala., one of the fiercest critics of the bureau’s creation, told Cordray during the hearing today. Republicans today repeated that they would not confirm Cordray or anyone unless the bureau, createdto protect consumers from fraud and abuse by financial service companies, is restructured. In May2010, before Cordray was nominated, 44 Republican senators wrote a letter to Obama saying theywould not confirm anyone to head the agency unless the bureau was restructured. Shelby repeated that threat again today. “We do not believe that the committee should consider any nominee to be the director of the Bureau of Consumer Financial Protection until reforms are adopted to make the Bureau accountable to the

American people,” Shelby said. “It is regrettable that the president and the majority have chosen toignore our request rather than work with us to improve the bureau’s accountability. It may be goodpolitics for them, but it is certainly bad policy for the American people.” Shelby said the director of the bureau would be granted “unprecedented authority over the lives of the American people without any effective checks,” with “all of the bureau’s power” concentrated on thedirector in its current form. “It is staggering the amount of control the director will exert over the daily financial choices available to Americans. Despite having such broad powers, however, there is no meaningful check on the director’sauthority,” Shelby concluded. “No one person should have so much unfettered power over the




American people.”Responding, Cordray assured the committee that he has not sought to “inject” himself into thelegislative discussions around the bureau but added that he had spoken to the White House about theconcerns of Republicans in Congress. He said he would be accountable to Congress if confirmed. Democrats at the hearing today expressed displeasure for Republicans holding up Cordray’sconfirmation, likening it to hostage taking.

“Work must go forward and should go forward, to block this appointment simply to express displeasureis the wrong way entirely,” Sen. Jack Reed, D-RI., said. Sen. Chuck Schumer, D-N.Y., called Cordray a “pawn in a cynical Washington game.”Senators have until Sept. 9 to submit additional written questions to Cordray. Back to Top

The NationRichard Cordray Goes To Capitol Hill, But Addresses Deaf Republican Ears

September 6, 2011By George Zornick In what was surely one of the stranger Senate confirmation hearings in recent history, PresidentObama’s nominee to head the Consumer Financial Protection bureau, Richard Cordray, testifiedTuesday before the Committee on Banking, Housing, and Urban Affairs. Unlike most nomination hearings, which focus on the merits of the nominee, the committee could notagree on whether the position itself should exist. Forty-four Senate Republicans sent a letter toPresident Obama in May that demanded a five-person board with appointees from both parties run theCFPB, instead of a single director.

Tuesday, only two of the committee’s Republicans showed up to the hearing—Sen. Richard Shelby,the ranking member, and Sen. Bob Corker. Shelby declined to even question Cordray, and blasted thehearing in his opening statement as “premature,” and said “we do not believe that the committeeshould consider any nominee to be the director of the CFPB until reforms are adopted to make theBureau accountable to the American people.” Shelby, who has taken $6.2 million from the financial sector during his career, and his fellowRepublicans are demanding not only to remove the position of director, but force the CFPB to submit abudget to Congress and accept additional veto powers from other bank regulators. The Republican lineof attack is that, without these regulations, the CFPB will be a runaway regulatory train straight out of Glenn Beck’s nightmares.

“The Director will be virtually free of any constraints on his authority during his five-year term. No oneperson should have so much unfettered power over the American people,” Shelby said during thehearing. “It blatantly violates the spirit of our democratic system of government….unless the Bureau isreformed, it is only a matter of time before this concentration of power is abused or misused to thedetriment of American consumers and the economy.” Sen. Sherrod Brown said he consulted the Senate historian, who could not come up with a similar caseof one party opposing not the nominee but the very office to which he or she was appointed. Brownand the other Democrats urged a quick confirmation for Cordray, and hammered on the point that thestructure of the CFPB was already put up for a vote and decided in 2010, and so Cordray shouldreceive an up or down vote on his own merits.




“Now is not the time to undermine an agency that a bipartisan majority in Congress created,” Brownsaid. “It is not the time to play a dangerous game with the financial security of millions of families andbusinesses.” Sen. Jack Reed lamented that consumer voices were “seldom heard in Washington,” and added that“as we go forward, we are trying to ensure that we do not replicate the crisis of 2008--that we do nothave financial collapse.”

For his part, Cordray offered somewhat vanilla testimony about his resume and life story. He madeovertures to the financial sector by pledging not to automatically regulate via lawsuits, which he called“a very slow, wasteful and needlessly acrimonious way to resolve a problem.” But he added that “if people are ignoring or evading consumer protections laws – and seeking to gain an unfair advantageover their law-abiding competitors – then litigation is an essential tool, and we will use it judiciously.” As Ari Berman has outlined, the $3 trillion financial services industry is waging a fierce battle againstthe CFPB, which for some in the business community amounts to a “holy jihad.” Cordray will likelyclear the Democratic-controlled Banking Committee, but will surely face a Republican filibuster after that.

Back to Top

Ashley GordonOffice of Public Affairs

Consumer Financial Protection Bureau

[email protected]

(o) 202-435-7446

Web.Facebook . Twitter






Subject: Re: Bloomberg FOIA requests

Date: Friday, September 02, 2011 5:11:26 PM

Thanks for the update. Enjoy the long weekend and stay safe.

----- Original Message -----From: Holzerland, William (CFPB)Sent: Friday, September 02, 2011 04:36 PMTo: Howard, Jennifer (CFPB); Kitt, Brett (CFPB)Cc: Michalosky, Martin (CFPB)Subject: RE: Bloomberg FOIA requests

FYI, I spoke briefly with Carter and advised him that I hoped to be able to get back to him Tuesdaywith a reasonable estimate of when the Cordray calendar request will be completed.

Have a good weekend, all!Regards,Bill

-----Original Message-----From: Howard, Jennifer (CFPB)Sent: Friday, September 02, 2011 1:10 PMTo: Holzerland, William (CFPB); Kitt, Brett (CFPB)Subject: RE: Bloomberg FOIA requests

Yep, I'm around after 2 pm.

Jen HowardConsumer Financial Protection BureauE: [email protected]: 202-435-7454C:

-----Original Message-----From: Holzerland, William (CFPB)Sent: Friday, September 02, 2011 1:02 PMTo: Howard, Jennifer (CFPB); Kitt, Brett (CFPB)Subject: Bloomberg FOIA requestsImportance: High

Good afternoon Jen and Brett,

Thanks,Bill

(b) (6)

(b) (5)

(b) (5)




-----Original Message-----From: Banks, Dominique (CFPB)Sent: Friday, September 02, 2011 12:41 PMTo: Holzerland, William (CFPB); Michalosky, Martin (CFPB)Subject: FW: Re:FOIA request clarificationImportance: High



-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]

Sent: Friday, September 02, 2011 12:23 PMTo: Banks, Dominique (CFPB)Subject: Re:FOIA request clarification

Dominique,

Are we clear on this?

Thanks,Carter




Carter:

Thank you for further clarifying your request and addressing the ambiguity of the search terms andphrases discussed in our last communication. I would like to recap all of the amendments agreed uponand make certain that I fully understand what you are seeking from the CFPB. Below you will find that Ihave addressed each question by repeating what you have stated in your original request andunderneath communicating what I understand as the clarification of that question. If you have anyobjections to any of my interpretations, please feel free to clarify further. Attached is a PDF of theoriginal request and the email exchange for your reference. The CFPB will not proceed with the searchfor documents until you have certified that all of the changes made to the original request is accuratelydescribed below:

(b) (6)




1. Communications, including but not limited to letters emails, meetings, calls and memoranda betweenPeggy Twohig , assistant director for non-bank supervision, and agencies of any of the 50 statesregarding cooperation between states and the CFPB.

* Communications is defined as final and draft letters, emails, meetings and memoranda.

* "Agencies of any of the 50 states" is defined as the Attorney General Offices in all of the 50states and the following entities:

o Conference of State Banking Supervisors;

o Iowa Division of Banking;

o Louisiana Office of Financial Institutions;

o National Association of State Attorneys General;

o Attorney General of North Carolina;

o Attorney General of Iowa;

o Attorney General of Illinois;

o Attorney General of Indiana;

o Attorney General of Massachusetts;

o Attorney General of New York;

o Attorney General of Michigan; and

o Attorney General of Connecticut.

CFPB is being asked to provide communications, as described above, between Peggy Twohig, AssistantDirector for Non-Bank Supervision, and agencies of any of the 50 states, as described above, regardingcooperation between states and the CFPB.

2. Communications, including but not limited to letters, emails, meetings, calls and memoranda betweenofficials in the CFPB's Office of Intergovernmental Affairs and agencies of any of the 50 states regardingcooperation between states and the CFPB.

As mentioned in our last communication the Office of Intergovernmental Affairs does not currentlyexist. We have agreed that this question is invalid and will be withdrawn from your original request.




3.Communications, including but not limited to letters, emails, meetings, calls and memoranda betweenagencies of any of the 50 states and CFPB officials in the office of the Assistant Director of Enforcement, Richard Cordray, including but not limited to Richard Cordray, and Kent Marcus regardingcooperation between states and the CFPB.

The definitions described in question 1 for "communications" and for the phrase "any of the 50 states"would apply.

4. Copies of the calendar of Peggy Twohig, assistant director for non-bank supervision, from Jan. 1,2011 to July 31, 2011.

No amendments were made. This question will remain the same.

5. Communications, including but not limited to letters, emails, meetings, calls and memoranda betweenthe CFPB's office of the General Counsel, Len Kennedy and agencies of any of the 50 states on thesubject of preemption.


6. Communications, including but not limited to letters, emails, meetings, calls and memoranda betweenagencies of any of the 50 states and CFPB officials in the office of the Assistant Director of Enforcement, Richard Cordray, including but not limited to Richard Cordray, and Kent Marcus, on thesubject of preemption.


7. Communications, including but not limited to letters, emails, meetings, calls and memoranda betweenofficials in the CFPB's Office of Intergovernmental Affairs and agencies of any of the 50 states regardingcooperation between states and the CFPB, on the subject of preemption.

This question is invalid for the same reason that question 2 is invalid. This question is being withdrawnfrom your original request.




Thank you








To: Kitt, Brett (CFPB); Howard, Jennifer (CFPB)

Subject: RE: Bloomberg FOIA requests


Sounds good. If it's good for you, Jen, we'll pop down at that time.

-----Original Message-----From: Kitt, Brett (CFPB)Sent: Friday, September 02, 2011 1:12 PMTo: Howard, Jennifer (CFPB); Holzerland, William (CFPB)Subject: RE: Bloomberg FOIA requests

How about 2:30?

Brett M. KittSenior CounselOffice of the General CounselConsumer Financial Protection BureauTel: 202 435 7087

consumerfinance.gov

Confidentiality Notice: The information contained in this transmittal, including attachments if any, maybe confidential or privileged under applicable law, or otherwise may be protected from disclosure toanyone other than the intended recipient(s). Any review, use, distribution, or copying of the contents of this e-mail or its attachments by any person other than the intended recipient for any purpose otherthan its intended use, is strictly prohibited and may be unlawful. This communication is not intended asa waiver of the confidential, privileged or exempted status of the information transmitted. If you havereceived this e-mail in error, you should permanently delete the e-mail and any attachments. Do notsave, copy, disclose, or rely on any part of the information contained in this e-mail or its attachments. Also immediately notify the sender of the misdirection of this transmittal. Your cooperation isappreciated.

-----Original Message-----From: Howard, Jennifer (CFPB)Sent: Friday, September 02, 2011 1:10 PMTo: Holzerland, William (CFPB); Kitt, Brett (CFPB)Subject: RE: Bloomberg FOIA requests

Yep, I'm around after 2 pm.

Jen HowardConsumer Financial Protection BureauE: [email protected]: 202-435-7454C:

-----Original Message-----From: Holzerland, William (CFPB)Sent: Friday, September 02, 2011 1:02 PMTo: Howard, Jennifer (CFPB); Kitt, Brett (CFPB)Subject: Bloomberg FOIA requestsImportance: High

Good afternoon Jen and Brett,

(b) (6)

(b) (5)




Thanks,Bill

-----Original Message-----From: Banks, Dominique (CFPB)Sent: Friday, September 02, 2011 12:41 PMTo: Holzerland, William (CFPB); Michalosky, Martin (CFPB)Subject: FW: Re:FOIA request clarificationImportance: High


Records, & Transparency

Phone: (202) 435-7359Email: [email protected]

-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Friday, September 02, 2011 12:23 PMTo: Banks, Dominique (CFPB)Subject: Re:FOIA request clarification

Dominique,

Are we clear on this?

Thanks,Carter



From: Dominique Banks <[email protected]>To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/01 14:39:30

Carter:

Thank you for further clarifying your request and addressing the ambiguity of the search terms andphrases discussed in our last communication. I would like to recap all of the amendments agreed uponand make certain that I fully understand what you are seeking from the CFPB. Below you will find that I

(b) (6)

(b) (5)




have addressed each question by repeating what you have stated in your original request andunderneath communicating what I understand as the clarification of that question. If you have anyobjections to any of my interpretations, please feel free to clarify further. Attached is a PDF of theoriginal request and the email exchange for your reference. The CFPB will not proceed with the searchfor documents until you have certified that all of the changes made to the original request is accuratelydescribed below:



* "Agencies of any of the 50 states" is defined as the Attorney General Offices in all of the 50

states and the following entities:

















2. Communications, including but not limited to letters, emails, meetings, calls and memoranda betweenofficials in the CFPB's Office of Intergovernmental Affairs and agencies of any of the 50 states regardingcooperation between states and the CFPB.






5. Communications, including but not limited to letters, emails, meetings, calls and memoranda between

the CFPB's office of the General Counsel, Len Kennedy and agencies of any of the 50 states on thesubject of preemption.


6. Communications, including but not limited to letters, emails, meetings, calls and memoranda betweenagencies of any of the 50 states and CFPB officials in the office of the Assistant Director of Enforcement, Richard Cordray, including but not limited to Richard Cordray, and Kent Marcus, on thesubject of preemption.


7. Communications, including but not limited to letters, emails, meetings, calls and memoranda between




officials in the CFPB's Office of Intergovernmental Affairs and agencies of any of the 50 states regardingcooperation between states and the CFPB, on the subject of preemption.


Thank you








To: Howard, Jennifer (CFPB)

Cc: Geldon, Daniel (CFPB); Jackson, Peter (CFPB); Adeyemo, Adewale (Wally) (CFPB) ; Kennedy, Leonard (CFPB);Gordon, Michael (CFPB); Fuchs, Meredith (CFPB); Holzerland, William (CFPB); Kitt, Brett (CFPB)

Subject: RE: Bloomberg Request

Date: Thursday, June 16, 2011 7:39:04 AM

Good morning Jen,

Sorry for the delay, I am slowly getting through my emails and updated on our FOIA requests.

I hope this helps.

Marty

-----Original Message-----From: Howard, Jennifer (CFPB)Sent: Friday, June 03, 2011 11:22 AMTo: Howard, Jennifer (CFPB); Geldon, Daniel (CFPB); Jackson, Peter (CFPB); Adeyemo, Adewale (Wally)(CFPB); Kennedy, Leonard (CFPB); Gordon, Michael (CFPB); Fuchs, Meredith (CFPB); Michalosky, Martin(CFPB)Subject: RE: Bloomberg Request

Looping in Marty as well.

Jen HowardSenior SpokespersonConsumer Financial Protection BureauE: [email protected]: 202-435-7454C:

-----Original Message-----From: Howard, Jennifer (CFPB)

Sent: Friday, June 03, 2011 11:16 AMTo: Geldon, Daniel (CFPB); Jackson, Peter (CFPB); Adeyemo, Adewale (Wally) (CFPB); Kennedy, Leonard(CFPB); Gordon, Michael (CFPB); Fuchs, Meredith (CFPB)Subject: Bloomberg Request

Carter from Bloomberg is asking to receive the documents we provided to Thomson Westlaw withouthaving to FOIA them himself.

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-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Friday, June 03, 2011 11:10 AMTo: Howard, Jennifer (CFPB)Subject: Is this request for FOIA

Which is pratically a public document itself, so thoroughly has it been circulated.Thanks,Carter


Bloomberg NewsConsumer Finance Reporter - DCo. +1 202 624 1907c. (b) (6)

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From: CFPB FOIA


Cc: CFPB FOIA

Subject: RE: Correct contacts

Date: Wednesday, August 03, 2011 2:51:35 PM

You're welcome, Mr. Dougherty. Yes, we did receive your fax.Regards,Bill

-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Wednesday, August 03, 2011 2:12 PMTo: CFPB_FOIA Subject: RE: Correct contacts

Thanks very much. I just faxed something to this number. I would appreciate an email confirmationthat you have received it.Regards,Carter


----- Original Message -----From: Cfpb Foia <[email protected]>To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:)Cc: [email protected] At: 8/03 13:42:54

Good afternoon Mr. Dougherty,

I received your email as well as your voice message. Martin Michalosky is the CFPB's FOIA andTransparency Manager. You may send requests via email to this address, fax them to (202) 435-7244or mail them to the following address:

Chief FOIA OfficerBureau of Consumer Financial Protection1801 L Street, N.W.Washington, D.C. 20036

Our contact information can also be found on the web here: http://www.consumerfinance.gov/foia/.Please note the CFPB's interim FOIA and Privacy Act regulations were published July 28, 2011. They

can be found at 12 C.F.R. Part 1070 and can be accessed via the GPO site here:http://www.gpo.gov/fdsys/pkg/FR-2011-07-28/pdf/2011-19038.pdf .

Thank you for your interest in the CFPB.

Regards,Bill

William H. Holzerland, CIPP/GSenior FOIA Analyst & FOIA Public LiaisonOffice of Privacy, Information Disclosure (FOIA), Records, & Transparency

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-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Wednesday, August 03, 2011 1:09 PM

To: CFPB_FOIA Subject: Correct contacts

Hello,

My name is Carter Dougherty and I am a reporter with Bloomberg. Could you please tell me who is thecorrect contact for CFPB FOIA requests, now that the agency has passed the standup date, and his/hercontacts.

Thanks,Carter


Bloomberg NewsConsumer Finance Reporter - DCo. +1 202 624 1907c. (b) (6)





To: Kitt, Brett (CFPB); Michalosky, Martin (CFPB)

Cc: Howard, Jennifer (CFPB)

Subject: RE: FOIAs CFPB-2011-002 and CFPB-2011-012 (Dougherty, Carter)

Date: Tuesday, September 06, 2011 1:07:00 PM

-----Original Message-----From: Kitt, Brett (CFPB)Sent: Tuesday, September 06, 2011 1:02 PMTo: Holzerland, William (CFPB); Michalosky, Martin (CFPB)Cc: Howard, Jennifer (CFPB)Subject: RE: FOIAs CFPB-2011-002 and CFPB-2011-012 (Dougherty, Carter)

Thanks, Bill.




From: Holzerland, William (CFPB)Sent: Tuesday, September 06, 2011 11:24 AMTo: Michalosky, Martin (CFPB); Kitt, Brett (CFPB)Cc: Howard, Jennifer (CFPB)Subject: FOIAs CFPB-2011-002 and CFPB-2011-012 (Dougherty, Carter)

Good morning all, I just spoke with Carter after he pinged me again this morning about the two FOIAs we discussed lastweek.

Regards,Bill


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From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Tuesday, September 06, 2011 10:10 AMTo: Holzerland, William (CFPB)Subject: Re:Scope of CFPB-2011-002 item #1

Bill,

I'm checking on the two FOIAs I have pending:

On the first one (Cordray's calendar) I think we spoke on Friday.

One the second one (CFPB and the states) I was unclear whether we were good to go. I acknowledgedDominique's last clarifying email. Is that "perfected," as they say, and good to go.

Thanks,Carter

----- Original Message -----From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:)

To: [email protected] At: 9/02 12:34:25

Bill,


Thanks,Carter

------------------------------------------------------------Carter DoughertyBloomberg News

Consumer Finance Reporter - DCo. +1 202 624 1907c.



records related to Richard Cordray, where you sought his calendar for April-July 2011. Per ourconversation, the CFPB will exclude attachments to Mr. Cordray's calendar and the scope of ourresponse to this item will be limited to the calendar itself. My understanding is that while we're

excluding attachments for purposes of this request, you may submit a future request for theseattachments after reviewing the calendar records the CFPB will release in response to this item.




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From: Banks, Dominique (CFPB)


Subject: RE: Re:FOIA request clarification

Date: Friday, September 02, 2011 8:36:49 AM

No problem



-----Original Message-----From: Michalosky, Martin (CFPB)Sent: Thursday, September 01, 2011 8:59 PM

To: Banks, Dominique (CFPB); Holzerland, William (CFPB)Subject: Re: Re:FOIA request clarification

Bill will be helping with this, please do not respond to Carter. Thanks.

----- Original Message -----From: Banks, Dominique (CFPB)Sent: Thursday, September 01, 2011 02:51 PMTo: Michalosky, Martin (CFPB); Holzerland, William (CFPB)Subject: FW: Re:FOIA request clarification

What do you guys think?



-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Thursday, September 01, 2011 2:51 PMTo: Banks, Dominique (CFPB)

Subject: Re:FOIA request clarification

Dominique,

One tiny tweak, a result of my own typo. It is the National Association of Attorneys General, NOTNational Association of State Attorneys General.

Are we good to go?

Thanks,Carter






Carter:

Thank you for further clarifying your request and addressing the ambiguity of the search terms andphrases discussed in our last communication. I would like to recap all of the amendments agreed uponand make certain that I fully understand what you are seeking from the CFPB. Below you will find that Ihave addressed each question by repeating what you have stated in your original request andunderneath communicating what I understand as the clarification of that question. If you have any

objections to any of my interpretations, please feel free to clarify further. Attached is a PDF of theoriginal request and the email exchange for your reference. The CFPB will not proceed with the searchfor documents until you have certified that all of the changes made to the original request is accuratelydescribed below:



* "Agencies of any of the 50 states" is defined as the Attorney General Offices in all of the 50states and the following entities:








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2. Communications, including but not limited to letters, emails, meetings, calls and memoranda betweenofficials in the CFPB's Office of Intergovernmental Affairs and agencies of any of the 50 states regarding

cooperation between states and the CFPB.






5. Communications, including but not limited to letters, emails, meetings, calls and memoranda betweenthe CFPB's office of the General Counsel, Len Kennedy and agencies of any of the 50 states on thesubject of preemption.





6. Communications, including but not limited to letters, emails, meetings, calls and memoranda betweenagencies of any of the 50 states and CFPB officials in the office of the Assistant Director of Enforcement, Richard Cordray, including but not limited to Richard Cordray, and Kent Marcus, on the

subject of preemption.


7. Communications, including but not limited to letters, emails, meetings, calls and memoranda betweenofficials in the CFPB's Office of Intergovernmental Affairs and agencies of any of the 50 states regardingcooperation between states and the CFPB, on the subject of preemption.


Thank you

Dominique A. BanksFOIA Analyst

Office of Privacy, Information Disclosure (FOIA),Records, & TransparencyPhone: (202) 435-7359Email: [email protected]





From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:



Date: Monday, October 17, 2011 1:22:03 PM

Excellent, thanks.



Carter, FYI, I expect to have Mr. Cordray's calendar ready for release in the next day or so.

Thanks,Bill

-----Original Message-----From: Holzerland, William (CFPB)Sent: Thursday, October 13, 2011 11:07 AMTo: 'CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:'Subject: RE: Re:Scope of CFPB-2011-002 item #1

All I can say is that the issue's beyond the control of the CFPB at the moment, but we're doing our bestto push things along.


From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Thursday, October 13, 2011 11:04 AMTo: Holzerland, William (CFPB)Subject: RE: Re:Scope of CFPB-2011-002 item #1

Hmmm. Let me guess: DoJ?Thanks,Carter


c.


Good morning Carter,Unfortunately, my hands are still tied on this particular request, as we're still waiting on the external

coordination. On another front, we're moving along on your other request and I'm hopeful we'll havean interim response consisting of Peggy Twohig's calendar for you in a week or so.

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Regards,Bill

-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Thursday, October 13, 2011 11:00 AMTo: Holzerland, William (CFPB)Subject: RE: Re:Scope of CFPB-2011-002 item #1

Bill,We're gettin' uppity here. How are things?Carter


----- Original Message -----From: William Holzerland <[email protected]>

To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 10/03 13:26:48

Hello Carter,Just a quick update: I'm still awaiting return of the consult. I didn't want you to think we'd forgotten

about you (or this case). I'll keep you posted.Regards,Bill

-----Original Message-----From: Holzerland, William (CFPB)Sent: Wednesday, September 28, 2011 2:54 PMTo: 'CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:'


Carter,It's a pleasure to be of service! Though it's correct you didn't mention other agencies, the responsive

records did. When third party agencies have equities in the responsive records, we're required to (atminimum) consult with them prior to release. In situations where a search for responsive records turnsup ones belonging to other agencies in their entirety - not the case here, but I mention it for illustrativepurposes, as you said you're relatively new to working with FOIA - we actually refer them to thatagency for direct response to the requester.Thanks,Bill

-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]

Sent: Wednesday, September 28, 2011 10:22 AMTo: Holzerland, William (CFPB)Subject: RE: Re:Scope of CFPB-2011-002 item #1

Thanks, Bill.Why is another agency involved? I don't think I mentioned any other.Carter

------------------------------------------------------------Carter DoughertyBloomberg News

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Consumer Finance Reporter - DCo. +1 202 624 1907c.


Good morning Carter,We're just awaiting input from another agency on the release package. The moment that input is

received, the response will be in your hands. Thanks again for your patience with this matter.Regards,Bill


Bill,

Now seems the right time to check on the FOIA re Cordray's calendar. Where do we stand on that?Best,Carter


Bill,


Thanks,Carter



Understood. Thanks again, Carter.Regards,Bill


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Bill,





Thanks, Carter. As I said on the phone yesterday, two to three weeks from now would be the currentestimated date of completion for the response on the calendar request. Based on that, it means we

anticipate issuing a response between September 23 and September 30 at this time. I also mentionedthat I cannot give you a guaranteed date certain, and that an estimate is not ironclad. However, wehope to get the response out sooner than we currently anticipate and will keep you posted in anyevent.Regards,Bill


Bill,




Best,Carter


Bill,


Thanks,

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Carter





Thanks again and enjoy the rest of your day!

Regards,Bill




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To: Kitt, Brett (CFPB)



Thank you!

-----Original Message-----From: Kitt, Brett (CFPB)Sent: Wednesday, September 07, 2011 11:51 AMTo: Holzerland, William (CFPB)Cc: Lepley, Richard (CFPB)Subject: RE: Re:Scope of CFPB-2011-002 item #1

Nice work, Bill.

Brett M. KittSenior CounselOffice of the General CounselConsumer Financial Protection Bureau

Tel: 202 435 7087consumerfinance.gov


-----Original Message-----From: Holzerland, William (CFPB)Sent: Wednesday, September 07, 2011 11:46 AMTo: 'CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:'Subject: RE: Re:Scope of CFPB-2011-002 item #1

Thanks, Carter. As I said on the phone yesterday, two to three weeks from now would be the currentestimated date of completion for the response on the calendar request. Based on that, it means weanticipate issuing a response between September 23 and September 30 at this time. I also mentionedthat I cannot give you a guaranteed date certain, and that an estimate is not ironclad. However, wehope to get the response out sooner than we currently anticipate and will keep you posted in anyevent.Regards,Bill

-----Original Message-----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Wednesday, September 07, 2011 11:33 AMTo: Holzerland, William (CFPB)

Subject: Re:Scope of CFPB-2011-002 item #1

Bill,



It is also worth mentioning that my request does not in any way seek personal information like Cordray's




family appointments. Perhaps that could lessen the burden.

Best,Carter

----- Original Message -----From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:)

To: [email protected] At: 9/02 12:34:25

Bill,


Thanks,Carter

------------------------------------------------------------Carter DoughertyBloomberg NewsConsumer Finance Reporter - DC

o. +1 202 624 1907c.



records related to Richard Cordray, where you sought his calendar for April-July 2011. Per ourconversation, the CFPB will exclude attachments to Mr. Cordray's calendar and the scope of ourresponse to this item will be limited to the calendar itself. My understanding is that while we're

excluding attachments for purposes of this request, you may submit a future request for theseattachments after reviewing the calendar records the CFPB will release in response to this item.Thanks again and enjoy the rest of your day!

Regards,Bill




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Subject: RE: Re:Scope of CFPB-2011-012




-----Original Message-----From: Kitt, Brett (CFPB)Sent: Friday, September 09, 2011 4:52 PMTo: Michalosky, Martin (CFPB); Holzerland, William (CFPB)Subject: RE: Re:Scope of CFPB-2011-012




-----Original Message-----From: Michalosky, Martin (CFPB)Sent: Friday, September 09, 2011 4:51 PMTo: Kitt, Brett (CFPB); Holzerland, William (CFPB)Subject: Re: Re:Scope of CFPB-2011-012

Thanks. We can get him Peggys calendar too.

----- Original Message -----From: Kitt, Brett (CFPB)Sent: Friday, September 09, 2011 03:39 PMTo: Holzerland, William (CFPB); Michalosky, Martin (CFPB)Subject: RE: Re:Scope of CFPB-2011-012

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-----Original Message-----From: Holzerland, William (CFPB)Sent: Friday, September 09, 2011 3:32 PMTo: Michalosky, Martin (CFPB); Kitt, Brett (CFPB)Subject: FW: Re:Scope of CFPB-2011-012

Gents,

Thanks,Bill


From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:[email protected]]Sent: Friday, September 09, 2011 2:33 PMTo: Holzerland, William (CFPB)Subject: RE: Re:Scope of CFPB-2011-002 item #1

Bill,


Thanks,Carter




Understood. Thanks again, Carter.

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Regards,Bill


Bill,




c.


Thanks, Carter. As I said on the phone yesterday, two to three weeks from now would be the currentestimated date of completion for the response on the calendar request. Based on that, it means weanticipate issuing a response between September 23 and September 30 at this time. I also mentionedthat I cannot give you a guaranteed date certain, and that an estimate is not ironclad. However, wehope to get the response out sooner than we currently anticipate and will keep you posted in anyevent.

Regards,Bill


Bill,


As I understand it, you've confirm that you can provide the Cordray calendar under the request I made.

You said it would take two or three weeks more. That puts us at Sept. 23. That is a date I can livewith. Kindly confirm.


Best,Carter


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From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:)To: [email protected] At: 9/02 12:34:25

Bill,


Thanks,Carter









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To: O"Mealia, Sean (CFPB)

Subject: RE: FOIA CFPB-2011-002 for OGC/Enforcement review

Date: Thursday, September 01, 2011 12:25:00 PM

Thanks again for the lightning-fast turnaround.

From: O'Mealia, Sean (CFPB)Sent: Thursday, September 01, 2011 12:18 PMTo: Holzerland, William (CFPB)Subject: RE: FOIA CFPB-2011-002 for OGC/Enforcement review

Hi Bill,

Otherwise I think this looks great.

Thanks,Sean

From: Holzerland, William (CFPB)Sent: Wednesday, August 31, 2011 11:23 AMTo: Kitt, Brett (CFPB); O'Mealia, Sean (CFPB)Cc: Banks, Dominique (CFPB); Michalosky, Martin (CFPB)Subject: RE: FOIA CFPB-2011-002 for OGC/Enforcement reviewImportance: High

Sean and Brett,

I spoke with Carter Dougherty of Bloomberg this morning about the scope of item #1 of his request,

where he sought Mr. Cordray’s calendar. Per that conversation, Mr. Dougherty agreed the CFPB mayexclude attachments to Mr. Cordray’s calendar and the scope of our response to this item will belimited to the calendar itself.

However, please note that while we’re excluding attachments for purposes of this request, Mr.Dougherty stated he may submit a future request for these attachments after reviewing the calendar records the CFPB will release in response to this item. So, the first 201 pages of the PDF documentneed to be reviewed and there’s no need to review the balance of the records that were uploaded toSharepoint this morning.Regards,Bill

From: Holzerland, William (CFPB)Sent: Wednesday, August 31, 2011 10:15 AM

To: Kitt, Brett (CFPB); O'Mealia, Sean (CFPB)Cc: Banks, Dominique (CFPB); Michalosky, Martin (CFPB); Crissman, Gregory (CFPB)Subject: FW: FOIA CFPB-2011-002 for OGC/Enforcement review

All,

I wanted to confirm non-receipt of the email message below. I attempted to send you a

very large PDF file for review last evening, and a colleague in cyber security (copied here)

indicated there was an issue with the message and asked me to confirm that it did not go

through.

Secondly, since the file is too big to email, it will be on the Sharepoint site for you to

review. Sean, you’ve been added to the access list so you can review this request. The

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document can be found here:

http://thegreen.treas.gov/bureau/cfpb/promgt/foia/FOIA%20Requests/Forms/AllItems.aspx

.

Regards,

Bill

From: Holzerland, William (CFPB)Sent: Tuesday, August 30, 2011 4:22 PMTo: Kitt, Brett (CFPB); O'Mealia, Sean (CFPB)Cc: Banks, Dominique (CFPB); Michalosky, Martin (CFPB)Subject: FOIA CFPB-2011-002 for OGC/Enforcement review

Good afternoon Brett and Sean,

Any assistance you can provide would be most appreciated.

Thanks for your help, gents!

Regards,

Bill


Senior FOIA Analyst & FOIA Public Liaison

Office of Privacy, Information Disclosure (FOIA),Records, & Transparency

Phone: 202-435-7262

www.consumerfinance.gov

This message was secured by ZixCorp©.To reach ZixCorp, go to: http://www.zixcorp.com/info/zixmail

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To: Michalosky, Martin (CFPB)

Subject: RE: Bloomberg Request

Date: Monday, June 06, 2011 3:37:00 PM

-----Original Message-----From: Michalosky, Martin (CFPB)Sent: Monday, June 06, 2011 2:22 PM

To: Holzerland, William (CFPB)Subject: Fw: Bloomberg Request

FYI...what do you think?

----- Original Message -----From: Howard, Jennifer (CFPB)Sent: Friday, June 03, 2011 11:21 AMTo: Howard, Jennifer (CFPB); Geldon, Daniel (CFPB); Jackson, Peter (CFPB); Adeyemo, Adewale (Wally)(CFPB); Kennedy, Leonard (CFPB); Gordon, Michael (CFPB); Fuchs, Meredith (CFPB); Michalosky, Martin(CFPB)Subject: RE: Bloomberg Request

Looping in Marty as well.


-----Original Message-----From: Howard, Jennifer (CFPB)Sent: Friday, June 03, 2011 11:16 AMTo: Geldon, Daniel (CFPB); Jackson, Peter (CFPB); Adeyemo, Adewale (Wally) (CFPB); Kennedy, Leonard

(CFPB); Gordon, Michael (CFPB); Fuchs, Meredith (CFPB)Subject: Bloomberg Request

Carter from Bloomberg is asking to receive the documents we provided to Thomson Westlaw withouthaving to FOIA them himself.

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Jen HowardSenior SpokespersonConsumer Financial Protection BureauE: [email protected]: 202-435-7454C: (b) (6)
