“Bigger Isn’t Better: Consolidating Banks and Their Policy Impact”
General Accounting Office,
Washington, D.C., February 14, 2001.
Read Speech


“Why Should You Keep Them Down on the Farm: A New Vision for Community Banking”
Iowa Bankers Association,
Washington, D.C., June 14, 2001.
Read Speech


“The Distant Sound of Drums: The Compliance Challenges After Privacy and Predatory Lending”
Annual Compliance Conference American Bankers Association,
Washington, D.C., June 18, 2001.
Read Speech


“Policy Implications of the Superior Federal Bank Failure and The New World of Financial System Risk”
Testimony before the Committee on Banking, Housing and Urban Affairs United States Senate,
Washington, D.C., October 16, 2001.
Read Testimony