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Payments Leadership
The Association: Addressing Issues in an Independent, Measured and Intellectually Rigorous Way
The Clearing House Executive Leadership
Executive Management
James Aramanda
Greg Baer
David Cadman
Sharie Graham
Thomas Statnick
Bill Sweeney
Darrell Walsh
Russ Waterhouse
Association Executives
Greg Baer
Dan McCardell
Bill Nelson
Jeremy Newell
David Wagner
John Court
Mike Lee
Paige Pidano
Gregg Rozansky
Brett Waxman
Francisco Covas
Sean Oblack
Payments Executives
Jim Colassano
David Drossman
Hank Farrar
Dave Fortney
Alaina Gimbert
Rob Hunter
Eric Laessig
Steve Ledford
Jim McDade
Sean Reilly
Chuck Schmidt
Jeffrey Williams
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A Look Back
Issue Search Result
Financial-Services Industry Amici File Brief In re Bilski
TCH Submits Recommendations on Proposed OFAC Enforcement Guidelines
TCH and SIFMA Urge SEC to Withdraw Proposed Rules Administered by OFAC
TCH Files Amicus Brief with Supreme Court in Bilski v. Kappos
Industry Groups File Amici Brief with Supreme Court Supporting Certiorari for Microsoft Corp. v. i4i Limited Partnership
TCH Files Amicus Brief with Supreme Court in a Patent-Infringement Case
TCH Comment Letter to Federal Reserve Board and OMB on Federal Reserve Regulatory Reports (FR Y-9C, FR Y-9LP, FR Y-11 and FR 2314)
TCH Comments on FRB's Proposal on Volcker Rule Conformance Period
TCH Proposes Revisions to Deposit Insurance Pricing System
TCH Supports No-Worse-Than-Chapter 7 Recovery for OLA Creditors
TCH Argues Against Court's Foreign Jurisdiction
TCH Opposes Formation of UCC Drafting Committee
Trades Comment to CFTC and SEC on Aggregation of Ownership Limits for DCOs, DCMs, and SEFs
TCH Argues that Only Largest Interbank Payments Systems Should Be Systemically Important
TCH Offers Suggestions on LEI Development
TCH Submits List of Tax Regulations in Need of Clarification
TCH Supports Flexible and Practical Evidentiary Standard in Certain Patent Cases
TCH Urges Inclusion of Re-examination Procedure in Patent-Reform Bill
TCH Comments on CFPB Consumer Inquiry Database Proposal
TCH Supports Predictable OLA Rules That Reflect Bankruptcy-Code Recoveries
TCH Submits Comments to SEC on Study Regarding Extraterritorial Private Rights of Action
TCH Joins Trades in Letter to SEC on Proposed Municipal Advisor Registration Requirements
TCH to Fed: Debit Card Interchange Fees Too Low
TCH Supports Broad Criteria for NBFCs
TCH Opposes Collins Amendment's Risk-Based Capital Ratio
TCH Opposes Bloomberg-Fox FOIA Request
TCH Suggests Hedge Accounting Revisions
TCH Brief Argues that Debit Interchange Rate Cap Is Unconstitutional
TCH Responds to NYS Department of Taxation and Finance Request
TCH Proposes Development of Full-Scope Impairment Model
TCH Comments on Remittance Transfers
TCH Argues Constitutional Issues Raised by Eitzen Case Should Be Heard by Court of Appeals
TCH Requests Clarification on Basel II Pillar 3 Reporting Deadlines
TCH Suggests Credit-Rating Alternatives
TCH Seeks Risk-Based Capital Rules' Clarifications
TCH Is Concerned by Dodd-Frank Debit Card Interchange Provisions
TCH Recommends G20 Support Uniform Global Legal Entity Identifier Solution
TCH Supports Proposed Special Measure against Lebanese Canadian Bank
TCH Comments on Balance Sheet Offsetting
TCH and Industry Propose Requirements for LEI Solution Providers
TCH Defends Federal Banking Preemption Laws
TCH Suggests Improvements to CFPB's Consumer Response Intake Form Process
TCH Opposes Durbin Amendment's Imposition of Price Controls on Debit Card Interchange Fees
TCH and Industry Solicit LEI Solution Providers
TCH Addresses Proposed Revisions to Call Reports
TCH Responds to FRB's Request for Comment Related to the Repeal of Reg Q
TCH Responds to FDIC's Request for Comment Related to the Repeal of Reg Q
TCH Contends Retail Payment Systems Are Not Systemically Important FMUs
TCH Opposes Designation of Retail Payments Systems as Systemically Important under Title VIII
TCH Advocates Coordinated Effort When Implementing Certain OLA Provisions
TCH Proposes Recapitalization as a Tool to Resolve SIFIs
TCH Comments on Garnishment of Accounts Containing Federal Benefit Payments
TCH Recommends Ways to Improve CISADA Regulations
TCH Raises Concerns About FDIC's Assessment Proposal
TCH and Industry Comment on Proposed Changes to Reg CC
TCH Comments on Proposed Changes to Regulation CC
TCH Proposes Each FATCA Rule Is Analyzed Individually
TCH Opposes Production of Documents Protected by Bank Examination Privilege
TCH Advocates Iterative Resolution Planning
TCH Voices Support for Pending Patent-Reform Bill
TCH Recommends Changes to TIC Instructions
TCH Reiterates the Importance of Preemption Doctrine
TCH Urges Changes to Fed's Proposed Remittance Transfer Rules
TCH Leads Industry Effort Urging Revisions to Fed's Proposed Remittance Transfer Rules
TCH Voices Support for Development of Global Accounting Standards
TCH Strongly Supports CPSS-IOSCO Plan to Update FMI Standards
TCH Urges Iterative Approach to Application of Proposed Stress Testing Guidance
TCH Joins Trades in Urging Bipartisan Debt Agreement
TCH Proposes Alternative Approach on Impairment
TCH Addresses Critical Issues in Fed's Capital Planning Proposal
TCH Advocates Broad Authority Over Nondepositories
TCH Requests Further Study Before OCC Expands Opt-in and Disclosures for Overdraft Programs
TCH Urges Accelerated Reforms of Cross-Border-Resolution Frameworks
TCH Encourages G-20 to Support Global LEI
TCH Urges U.S. Implementation of Basel III DTA Proposals Not Disadvantage Banks
TCH Proposes Redefinitions for Subprime and Leveraged Loans
TCH Calls G-SIB Surcharges Premature
TCH Requests FRBNY Highlights Changes in Supplemental Instructions to Call Reports
TCH Comments on FATCA Transition Rules
TCH Argues Debit Card Fraud Prevention Adjustment Amount Is Too Low
TCH Argues Martin Act Should Preempt Private Non-Fraud Common Law Tort Claims
TCH Opposes Basel III's Removal of "AOCI" Filter from Regulatory Capital
TCH Comments on Proposed Capital Assessments and Stress Testing Report
TCH Suggests Improvements in FSB's Common Data Template Proposal
TCH Urges UK to Adopt Single-Resolution-Plan Approach, Cross-Border Coordination
TCH Urges FinCEN to Postpone Electronic Filing of All BSA Reports
TCH Recommends Recapitalization, Other Resolution Suggestions to FDIC
TCH Urges FSB Workshop Participants To Adopt Global LEI Solution
TCH Submits Extension Request Letter to FASB
TCH Comments on FR 2028 Surveys
TCH Asks NACHA to Better Balance Its Expedited Processing and Settlement Proposal
TCH Provides Additional Information to FRB on Deferred Tax Assets under Basel III
TCH Opposes Mandatory Audit Firm Rotation
TCH Comments on FRB's Reserves Simplification Proposal
TCH Comments on Credit Rating Alternatives
TCH Supports FAF Plan for Private Company Standards Improvement Council
TCH Comments on Proposed Call Report Revisions
TCH Requests Section 165 and 166 Comment Deadline Extension
TCH Comments on Iran Sanctions
Banking Brief: Dodd-Frank Section 165 -- Heightened Prudential Standards
TCH Seeks Clarification of Swap Entities Registration Rules
TCH Seeks NYS Filing Deadline Clarification
TCH Argues New York Should Not Become Worldwide Center for Post-Judgment Attachment Proceedings
TCH Argues Corporations Are Not Liable Under Alien Tort Statute
TCH Comments on Creditworthiness Standards Proposal
TCH Warns Agencies of Potential Harm Volcker Rule's Treatment of Hedge-Fund and Private-Equity May Cause
TCH Urges Agencies to Preserve Banks' Asset-Liability-Management Activities
TCH Concerned Volcker Rule Will Result in Far-Reaching Negative Consequences
Empirical Data Supports TCH Position on Creditworthiness Standards Proposal
TCH Recommends Improvements to FASB and IASB Consolidation Proposal
TCH Comments on FASB and IASB's Investment Entities Proposals
TCH Urges Regulators To Ensure Volcker Rule Proposal Is in Line with Congressional Intent
Banking Brief: Dodd-Frank Section 165 - Liquidity Requirements
Banking Brief: Dodd-Frank Section 165 - Stress Testing Requirements
TCH Argues for Secured Lender's Credit-Bidding Rights
TCH Advises Against Removal of AOCI Filter
TCH Urges Fed to Limit Disclosure of Stress-Test Results
TCH Comments on Allocation of Fees for OFR Expenses
TCH Opposes Proposed OFR Expense Allocation
TCH Urges CFPB to Remove Redundant Compliance Requirements
TCH Comments on Covered Funds Portion of Volcker Rule Proposal
TCH Leads Industry Coalition against Debit Interchange Fees
TCH Requests Extension of Comment Deadline
TCH Comments on FASB and IASB's Revenue Recognition Proposals
TCH Association President Testifies before House Subcommittee
Banking Brief: Dodd-Frank Section 165 - Risk Management and Corporate Governance
Banking Brief: Dodd-Frank Section 165 - Single-Counterparty Credit Limits
Banking Brief: Dodd-Frank Section 166 - Early Remediation
Banking Brief: Protecting Deposits, Depository Institutions, and the Deposit Insurance Fund - Sections 23A and 23B of the Federal Reserve Act
TCH Files Brief in Sovereign Debt Restructuring Case
TCH Urges CFPB to Assess Impact of Remittance Transfer Rules on Consumer International Transfers
TCH Reiterates the Importance of Transitional Review of Business-Method Patents
TCH Urges Consistent Privilege Protection Standard for Information Shared by Banking Regulators
TCH Urges CFTC to Repropose Volcker Rule
TCH Seeks Clarifications from NY Fed on Reporting Central and FedLine Web Applications
TCH Urges Treasury to File Brief in Alien Tort Statute Case
TCH Urges Treasury to File Brief in Kiobel Alien Tort Statute Case
TCH Comments on CCAR Data Collection Schedules Proposal
TCH Argues TIA Does Not Apply to Mortgage Pass-Through Securities
TCH Supports FASB's Goodwill and Other Intangibles Proposal
TCH Proposes Modifications to Remittance Transfer Rule
TCH Comments on Sections 165/166 of the Dodd-Frank Act
TCH Comments on Proposed Regulations under FATCA
TCH Expresses Concern over Bank Capital Requirements
TCH Comments to FDIC on Enforcements of Contracts Belonging to Resolved Financial Companies
TCH Comments to FDIC on Proposed Definitions of Higher-Risk Loans and Securities
TCH Seeks CFPB's Clarification and Guidance on Remittance Issues
TCH Comments on FinCEN's Customer Due Diligence Proposal
TCH Responds to FASB's Request for Additional Information on Revenue Recognition
TCH Comments on Global Regulators' Financial Market Infrastructures Proposal
Joint Trade Statement for the Record on Remittance Transfers
TCH Encourages CFPB to Define GPR Prepaid Cards Narrowly
TCH Comments on Proposed Special Measures against CredexBank
TCH Testifies at FinCEN's Hearing on Customer Due Diligence
Banking Brief: Depositor Protections - The FDIC and the DIF
TCH Urges CFTC to Clarify Its Guidance on Cross-Border Application of Certain Swaps Provisions
TCH Comments on Exemptive Order Regarding Compliance with Swap Regulations
TCH Opposes Additional D-SIB Surcharge
TCH Raises Safety and Soundness Concerns on Bank Disclosures of Legal Reserves
TCH Comments on OCC Revisions to Lending Limits Rule
TCH Comments to FinCEN on FBAR Reporting Requirements
TCH Comments on Capital Assessments and Stress Testing Information Collection Proposal
TCH Comments on CFPB's All-in Mortgage-Finance Charge Proposal
TCH Comments on Basel Intraday Liquidity Proposal
TCH Urges FASB to Withdraw Proposed Liquidity and Interest Rate Risk Disclosures
TCH Comments on CPSS-IOSCO's Consultation on Resolution Plans for FMIs
TCH Comments on OCC Stress Testing Information Collection Proposal
TCH Comments on Banking Organization Systemic Risk Report
TCH Files Brief on SAR Immunity Protection
TCH Assists in International Understanding of the Final Remittance Transfer Rule
TCH Comments on Agencies' Basel III Proposed Capital Rules
TCH Files Brief on Separate-Entity Doctrine
Banking Brief: Bank Capital - Insulating Against Losses
TCH Files Comment Letter to ISS on Proposed Policy on Majority-Supported Shareholder Proposals
Banking Brief: Bank Capital - The Cost of Capital
TCH Files Brief in Intellectual Property Case
TCH Clarifies Members' Position on Lending Limits Rule
TCH Urges a Delay in Upcoming Changes to Social Security ACH Payments Processing
TCH Comments on CFPB's Foreign Remittance Transfer Announcement
TCH Brief Seeks Clarification of District Court Order in NML Capital v. Argentina
TCH Suggests Further Modifications to Remittance Transfer Rule
TCH Comments on State Department Sanctions Information and Guidance
TCH Suggests Further Modifications to Remittance Transfer Rule
TCH Requests Extension of Comment Deadline for Foreign Bank Rules
TCH Comments on CFTC's Swap Regulatory Regime Proposal
TCH Releases Title II Resolution Simulation Exercise Materials
TCH Comments on Proposed Data Collection Schedule Revisions
Banking Brief: U.S. Banking System - Scaled to Serve
TCH Files Another Brief on Trust Indenture Act
TCH Supports Omnibus Uniform Commercial Code Modernization Act
TCH Comments on FR Y-15 Disclosure
TCH Urges FASB to Extend Comment Deadline
Banking Brief: Protecting Deposits, Depository Institutions, and the Deposit Insurance Fund - Sections 23A and 23B of the Federal Reserve Act
TCH Requests Clarifications to the Country Exposure Report Proposals
TCH Urges OCC to Forgo Expansion of MLR Report Collection to Midsize and Large Banks
TCH Comments on Corporate Tax Reform
TCH Comments on Proposed Remittance Transfer Reporting
TCH Recommends Different Approach to FDIC's Interpretation of "Deposit Liability"
TCH Requests Extension of OCC Lending Limits Compliance Date
TCH Comments on Proposal to Establish Accounts for Financial Market Utilities
TCH Urges International Coordination and Cooperation when Regulating FBOs
TCH Urges FDIC to Withdraw Proposed Deposit Advance Guidance
TCH Cotends that FASB Proposal Does Not Improve Existing U.S. GAAP
TCH Amicus Brief Argues that Federal Securities Laws Do not Apply to Actions that Occurred Overseas
TCH Urges OCC to Withdraw Proposed Deposit Advance Guidance
TCH Comments on FASB Credit Losses Proposal
TCH Testimony Expresses Concerns over the Remittance Transfer Provisions of Section 1073 of Dodd-Frank
TCH Urges Transparency and Disclosure in SIFI Supervisory Assessments
TCH Comments on Money Laundering Sanctions
TCH Submits Recommendations That Would Improve Basel's Framework for Measuring and Controlling Large Exposures
TCH Requests Extension of Compliance Date for New Reporting Requirements
TCH Amicus Brief Argues that Wartime Suspension of Limitations Act (WSLA) Is Not Currently in Effect
TCH Urges FTC to Reconsider Rule on Telemarketers and Remotely Created Checks
TCH Comments on Capital Assessment and Stress Testing Collection Proposal
TCH Comments on Fed's Report of Selected Money Market Rates Proposal
TCH Amicus Brief Argues There Is No Legal Basis for the Fed to Issue an Expedited Interim Interchange Rule
TCH Letter Argues that Decision in Patent Infringement Case Results in Diminished Consumer Access to Financial Services
TCH Comments on FASB Lease Accounting Proposal
TCH Study Shows Significant Impact of U.S. and Basel III Leverage Ratio Proposals
TCH Comment Letter Supports International Standards on Money Laundering
TCH Comments on the Impact of Basel and U.S. Supplemental Leverage Ratio Proposals on U.S. G-SIBs
TCH Comments on How Risk Retention Would Apply to CLOs
TCH Joins Amicus Brief on the Separate Entity Rule
TCH Files Brief on Confidentiality of Work Papers
TCH Comments on IRS Notice 2013-35
TCH Comments Emphasize that Taxpayers Should Not Be Exposed to Losses in CCP Insolvency
TCH Comment Letter Contends That Tools for Recovery Should Be Tailored for Individual Financial Market Utilities
Troubled FMIs Should Not Be Placed Into Extraordinary Resolution Automatically
Intelligence-Squared Debate
TCH Comments on FSB G-SIB Common Data Template Workshop
TCH Files Amicus Brief in NACS v. Board of Governors Interchange Case
The Clearing House Highlights Concerns with U.S. Leverage Ratio Proposal
TCH Comments on the Scope of FASB Proposal on Insurance Contracts
TCH Comments on Revisions to the FR Y-15 Report
TCH Comments on How Risk Retention Would Apply to CLOs
TCH Comments on OCC's Revisions to DFAST-14A Templates
TCH Comments on PCAOB Revisions to Auditor's Report
TCH Comments on Bank of England Stress Testing Framework Proposal
TCH Responds to NACHA's Network Quality and Enforcement Proposals
TCH Files Amicus Brief on Trust Indenture Act
TCH Submits Joint Comment Letter in Response to U.S. LCR Proposal
Banking Brief: The Clearing House Series on the Value of Large Banks: Working Paper No 2. - Access to Deposit Insurance and Lender-of-Last-Resort Liquidity
TCH Files Brief on "Ponzi-Scheme Presumption"
TCH Joins Trades Letter to Warner and Kirk Endorsing Tokenization, EMV for Enhanced Data Security
TCH Submits Congressional Statement for the Record in Advance of Senate Banking Hearing on Data Breach
TCH Files Comment Letter on FDIC's Single-Point-Of-Entry
TCH Opposes CPSS-IOSCO Method for Assessment of FMI Servicers
TCH Files Brief in Clemente Bros. Constr. Corp. v. Capital One
Banking Brief: Bank Liquidity Regulation - An Overview of the Proposed U.S. LCR
Banking Brief: Bank Liquidity Regulation - The Proposed U.S. LCR
TCH Submits Comment Letter in Response to Fed Posting Rules Proposal
TCH Joins Trades Letter to Warner and Kirk Endorsing Tokenization, EMV for Enhanced Data Security
TCH Submits Congressional Statement for the Record in Advance of Senate Banking Hearing on Data Breach
TCH Files Brief in Argentine Debt Case
TCH Files Comment Letter on Proposed Standards for FMUs
TCH Testifies on Tokenization and Secure Cloud
TCH Comment Letter to OCC on Proposed Heightened Standards Offers Support, Suggests Clarification of Certain Aspects of Proposed Guidelines
TCH Comments on Targeted Improvements to FASB Financial Instruments ED
TCH Submits Statement for HFSC Hearing on Regulatory Costs
TCH Comments on Merchant Banking Activities Proposal
Banking Brief: OCC Proposed Guidelines Establishing Heightened Standards for Risk Governance
TCH Comments on NACHA's Proposal to Improve Network Quality
TCH Submits Unsolicited Letter to Agencies on LCR Daily Reporting
TCH Comments on SEC Standards for Covered Clearing Agencies
Joint Trade Statement for the Record on Remittance Transfers
TCH Files Memo in Opposition to Proposal to Amend N.Y. Law to Facilitate Collection Actions of Foreign Affiliates of Banks
TCH Comments on the Proposed Supplementary Leverage Ratio Revisions
TCH Comments on CFPB Proposal to Revise the Remittance Transfer Rule
TCH Joins Trades in Comment Letter on FSB Data Gaps Initiative Statement
TCH Comments on Possible OFAC Sanctions on Russia
TCH Files Amicus Brief in Bank of America v. Caulkett
TCH Files Supplemental LCR Comment Letter Alongside Other Trades
TCH Files Comment Letter on Fed's Proposed Rule for the Dodd-Frank Financial Sector Concentration Limits
TCH Association President Paul Saltzman Calls for Greater Individual Accountability in Banking
TCH Association President Saltzman Commends Governor Tarullo's Remarks on Appropriately Tailoring Prudential Regulation
TCH Files Amicus Brief in Separate Entity Case
Banking Brief: The Clearing House Working Paper Series on the Value of Large Banks: Working Paper No. 3: Assessing Funding Costs and the Net Impact of Government Policy on Large Banks
Banking Brief: Federal Reserve Proposed Rule to Implement the Dodd-Frank Act Section 622 Financial Sector Concentration Limits
TCH Files Comment Letter on Proposed Amendments to the Capital Plan and Stress Test Rules
TCH Files Comment Letter in Response to FR Y-14A/Q/M Revisions Proposal
TCH Joins Amicus Brief on Wartime Suspension of Limitations Act
TCH Files Comment Letter on Proposed Changes to the FDIC's Deposit Insurance Assessments
TCH Files Comment Letter on FinCEN's Customer Due Diligence Proposal
Banking Brief: Living Will Requirements for Banking Organizations
Banking Brief: Resolution Strategies for Bankruptcy and Orderly Liquidation Authority
TCH Comments on Proposed BitLicense Regulations
TCH Comments on Margin and Capital Requirements for Covered Swap Entities
TCH Files Amicus Brief in Funds Transfer Case
TCH Submits Sectoral Sanctions Letter to OFAC
The Clearing House Calls on FSOC to Address CCP Systemic Risk
TCH Highlights the Importance of Flexibility in Governance Structures and Practices in Comment Letter on BCBS Bank Governance Proposal
The Clearing House Calls on FSOC to Address CCP Systemic Risk
TCH Files Brief in Bankruptcy Case
TCH Recommends Liquidity Monitoring Report Proposals Be Revised to Be More Consistent with the Liquidity Coverage Ratio
TCH Supports TLAC to Help Ensure G-SIBs Can Be Resolved in an Orderly Manner without Taxpayer Assistance
TCH Supports Business Judgment Rule Protection for Bank Directors and Officers
TCH Files Comment Letter to NACHA Supporting Same-Day RFC
TCH Amicus Brief Supports Citibank Motion in Argentine Debt Case
TCH Submits Comment Letter on Vintage Disclosures
TCH and LSTA File Amicus Brief in In Re Motors Liquidation Co
TCH Comments on CSBS Model Framework for Virtual Currency Activities
TCH Strongly Supports Regulatory Capital Rules Proposal
Banking Brief: Overview of Total Loss Absorbing Capacity
TCH Calls on FinCEN to Address SAR Sharing Restrictions
TCH President Paul Saltzman Calls for a "Dual Mandate" Approach to Financial Regulation that Balances Financial Stability and Economic Growth
TCH Comments on CFPB's Proposal to Regulate Prepaid Accounts
TCH Provides Recommendations to the Basel Committee on Its Proposed Revisions to the Standardized Approach for Credit Risk and Capital Floors
TCH Commissioned Study by Oliver Wyman Shows Increased Stability of the U.S. Banking System
TCH Leads Industry Comment Letter to Fed on Proposed Capital Surcharge for U.S. G-SIBS
TCH Comments on Recordkeeping Requirements Related to Orderly Liquidation Authority
TCH Files Joint Trades Amicus Arguing FIRREA Section 1833a Should Not Apply to Self-Affecting Conduct
TCH Files Comment Letter to BCBS on Accounting for Expected Credit Losses
TCH and SIFMA File Amicus Brief in FDIC v. Chase Mortgage Finance Corp.
TCH Comments on Imposition of Special Measure Against Banca Privada d'Andorra
TCH Supports Deferral of Revenue Recognition Standard Effective Date
TCH Comments on LEI Proposal
TCH Joins SIFMA in Letter Opposing Bill Subjecting Out-State-Businesses to All-Purpose Jurisdiction of NY State Courts
TCH's Russ Fitzgibbons Testifies on Cyber, Calls for Information Sharing Legislation
TCH Files Joint-Trades Amicus in FDIC v. Barclays Capital
TCH Updates Its Guiding Principles for Enhancing U.S. Banking Organization Corporate Governance
TCH Files Joint-Trades Amicus in Madden v. Midland Funding
Recommendations to OFAC Guidelines on Self-Disclosure
TCH Joins Trades Amicus in Spokeo Inc. v. Thomas Robins
Trades Fight Effort to Reduce Fed Dividend Payment
Trades Request Extension of Comment Period on DOL Minimum Wage and Overtime Proposal.
TCH Joins ABA and CBA in Comment Letter on the FDIC's Deposit Insurance Determination Modernization ANPR
TCH Requests That FDIC Clarify 'Brokered Deposits' Guidance
Ensuring Consistent Consumer Protection for Data Security: Major Banks vs. Alternative Payment Providers
TCH Submits Comment Letter on FSB Phase 3 Data Gaps
TCH Submits Comment Letter to the PRA on Contractual Resolution Stays
Banking Brief: Ensuring Consistent Consumer Protection for Data Security: Banks vs. Alternative Payment Providers
TCH Highlights the Importance of Flexibility in Governance Structures and Practices in Comment Letter on BCBS Bank Governance Proposal
TCH Files Comment Letter to the DOL on Proposed Rule to Change Overtime Compensation Requirements
TCH Comments on BCBS Interest Rate Risk in the Banking Book Consultative Document
TCH Comments on Contemplated FR Y-14 Attestation Requirement
TCH Files Comment Letter with International Policymakers on CCP Risk Governance Issues
TCH Comments on Amendments to Capital Plan and Stress Test Rules
TCH Submits Comments on FASB Proposals on Novations
TCH Submits Comments on FASB Proposal on Contingent Put and Call Options in Debt Instruments
TCH Comments on Revisions to the Banking Organization Systemic Risk Report (FR Y-15)
TCH Comments on Revisions to the Banking Organization Systemic Risk Report (FR Y-15)
TCH and SIFMA File Amicus Brief in FHFA v. Nomura
TCH Comments on Highway Funding Bill
TCH Submits FR Y-14 Comment Letter
TCH Submits Comment Letter on Revisions to the Call Report
TCH Submits Supplemental FR Y-15 Comment Letter
TCH Urges Better Public-Private Coordination to Bolster AML Efforts
TCH Files Joint-Trades Amicus in Support of Midland Funding's Cert Petition
TCH Association President Responds to Bloomberg View Editorial on Capital Requirements
TCH Comments on Revisions to Internal Revenue Code Section 367
TCH Submits Comment Letter on FSB Data Gaps Phase 3 Instructions
TCH Submits Joint-Trades Letter to FDIC on Its Brokered Deposits FAQs
TCH Joins Trades in Responding to FDIC's Proposal to Impose DIF Assessment Surcharge on Large Banks
TCH Requests Extension of Countercyclical Capital Buffer Policy Statement Comment Period
TCH and SIFMA File Amicus Brief in FDIC v. RBS Securities, Inc.
TCH Comments on Proposed ORSOM Supervisory Rating System
Trade Associations Comment on Revisions to the Consolidated Financial Statements for Holding Companies
TCH Comments on Proposal for LCR Public Disclosure Requirements
TCH Files Joint-Trades Amicus in Support of Huntington Bank's 6th Circuit Appeal
TCH Comments on FASB Proposal for Government Assistance Disclosures
Associations File Comment Letter to the OCC Responding to Its Part 30 Large Bank Recovery Plan Guidance
TCH Finalizes Updated Guiding Principles for Anti-Money Laundering Policies and Procedures in Correspondent Banking
Associations File Letter Addressing Basel Committee's TLAC Holdings Consultation
TCH Leads Industry Response to Fed's TLAC-LTD Proposal
TCH Submits Comment Letter on FMI Cyber Resilience Proposal
TCH Comments on FASB Proposal for Fair Value Measurement Disclosures
The Net Stable Funding Ratio – A Few Questions
TCH Comments on Basel Committee's Revisions to the Standardized Approach to Credit Risk
TCH Submits Comment Letter on Basel's Step-In Risk Proposal
TCH Submits Letter to NYDFS on BSA/AML and CCO Certification Proposal
TCH Calls on the Fed to Rethink and Add Procedural Protections to Proposed CCyB
Amicus Brief Supporting the United States Patent and Trademark Office's Use of the Broadest Reasonable Construction Standard in Inter Partes Reviews
Trades Comment on Agencies Proposed Rule Implementing Section 205 of DFA
TCH Files Comment Letter Requesting a Broader Exemption to FinCEN's Proposed FBAR Requirements
TCH Submits Letter in Support of Treaty Re: Intermediary Securities Rights Stemming from 2006 Hague Securities Convention
TCH Comments on OCC's 'Responsible Innovation' White Paper
TCH Request for Extension of the Incentive Compensation Comment Period
TCH Files Comment Letter Highlighting Concerns with Incorporation of G-SIB Surcharge into CCAR
TCH Files Comment Letter on Fed's SCCL Reproposal
Trades Support Appropriately Calibrated Standardized Measurement Approach to Operational Risk
Trades File Amicus Brief in FDIC v. Credit Suisse
TCH and ABA File Letter to BCBS on Its Pillar 3 Disclosure Requirements Proposal
TCH Files Comment Letter to the Fed's Proposed Revisions to FR Y-6, FR Y-7 and FR Y-10
TCH Files Comment Letter to the BCBS on Its Proposal Reducing Variation in Credit RWAs
TCH Responds to FDIC's NPR Imposing New Deposit Insurance Recordkeeping Requirements on Large Banks
TCH Joins Trade Comment Letter on Adverse Tax Consequences for IHCs of Fed's TLAC Proposal
TCH Joins Joint Trade Comment Letter on Revisions to the Basel III Leverage Ratio Framework
TCH Responds to BCBS Proposal Defining Problem Assets
TCH Files Comment Letter Responding to SEC's Regulation S-K
TCH Responds to Interagency Incentive Compensation Reproposal
Custody Services Provided by Banks Are Important to the Safekeeping and Management of Investments
TCH Files Joint-Trades Letter Responding to Fed's NPR Relating to QFCs
Financial Trade Associations Ask Bank Regulators to Reconsider NSFR
TCH Urges Passage of Bipartisan Beneficial Ownership Legislation
TCH Submits Comment Letter on OCC's Proposed MLR System Expansion
TCH Files Joint-Trades Amicus Brief in Support of Petitioners in Visa Inc. et al. v. Osborn
TCH Files Comment Letter to FSB on Its Peer Review on Corporate Governance
TCH Files Comment Letter Regarding Changes to FR Y-14A/Q/M and LISCC IHC Attestation
Joint-Trades Letter to OCC Re: Restrictions on the Terms of QFCs
TCH and Other Associations Submit Comments to CPMI-IOSCO to Further the Safety and Soundness of CCPs
TCH Joins Trade Comment Letter to FSB on Essential Aspects of CCP Resolution Planning
TCH Joins Trade Comment Letter to CFPB Re: 'Amendments Relating to Disclosure of and Records and Information,' Including Confidential Supervisory Information
TCH Submits Comment Letter Regarding SEC Disclosure Update and Simplification Amendments
Trades File Amicus Brief in FDIC v. First Horizon
TCH Responds to NYDFS's Proposed Cyber Rules
TCH Files Comment Letter to FASB on Hedging
TCH Files Comment Letter to Federal Reserve on Proposed Amendments to CCAR
TCH Files Comment Letter to FASB on Prepayable Debt
TCH-EY Publish Bank Innovation White Paper
TCH Files Joint-Trades Amicus Brief in Support of Petitioners in Bank of America v. Gelboim
TCH Files Joint-Trades Letter Responding to FDIC NPR Restricting Terms of QFCs
TCH Files Joint-Trades Supplemental Letter on NSFR
TCH Responds to BCBS ECL Proposal
TCH Responds to OCC Proposed Revisions to DFAST-14A
TCH Submits Letter to OCC on Proposed FinTech Charter
TCH-IIB File Amicus in Schwab v. Bank of America
TCH Responds to NYDFS's Revised Cyber Proposal for Financial Institutions
TCH Releases Guiding Principles for Sanctions Issues Related to Shipping and Financial Products
TCH Publishes New Anti-Money Laundering Report
TCH Submits Comments on Enhanced Cyber Risk Management Standards
Trades File Merchant Banking Comment Letter
Trades Submit Letter on BCBS Revised Correspondent Banking Guidance
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U.S. Banking System Does Not Need Even More Capital TCH General Counsel Tells House Committee
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Financial Trade Associations Ask Bank Regulators to Reconsider NSFR
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20130410 Oxford Economics Study Confirms Negative Impact Of Higher Bank Capital
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text:
Psalm 71English Standard Version (ESV)
Forsake Me Not When My Strength Is Spent
71 In you, O Lord, do I take refuge;
4 Rescue me, O my God, from the hand of the wicked,
7 I have been as a portent to many,
12 O God, be not far from me;
17 O God, from my youth you have taught me,
22 I will also praise you with the harp
Cross references:
English Standard Version (ESV)
The Holy Bible, English Standard Version. ESV® Text Edition: 2016. Copyright © 2001 by Crossway Bibles, a publishing ministry of Good News Publishers.
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text:
Financial Aid
in this section
Ph.D. Students
As a Ph.D. student in the College of Engineering, you will likely receive full support throughout your studies. Financial aid is available in the form of fellowships, teaching assistantships and research assistantships through the Graduate School, the college, the graduate fields and Cornell research centers.
Many engineering Ph.D. students are also recipients of prestigious non-Cornell awards. Competitive external fellowships are honors and can distinguish recipients when they enter the job market. We provide a searchable database through the Graduate School, and we strongly encourage you to seek further help and advice from your field's Director of Graduate Studies. A workshop on external fellowships is offered to all new and second-year Ph.D. students during orientation.
M.Eng. Students
A Cornell Master of Engineering degree is an investment in your career as a professional engineer or in business, and many of our graduates find that the incremental increase in salary and the career advancement they can expect as a Cornell M.Eng. quickly offsets the cost of one year's tuition.
You may find that you are able to cover all or a part of your tuition and expenses through financial aid. College of Engineering financial assistance is available in the form of merit-based fellowships, partial tuition scholarships, and teaching assistantships. Consider applying for the M.Eng./MBA Knight Fellowship, an award that covers up to $40,000 of the tuition costs.
Information about external scholarships is available through the Graduate School. You may also apply for federal and private loans to cover educational expenses. International students are eligible for the Cornell Engineering financial aid awards and for some private loans.
M.S. Students
As an M.S. student, you will probably be eligible only for need-based financial aid. Cornell scholarships and fellowships are not usually available to M.S. students.


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1Heat oven to 350°F. In medium bowl, mix flour, 3/4 cup cocoa, 3/4 cup malted milk powder and the baking soda; set aside. In large bowl, beat 1 cup butter, the granulated sugar and 2/3 cup brown sugar with electric mixer on medium speed 5 minutes or until light and fluffy. Add eggs, one at a time, beating until blended. Beat in vanilla. Beat in flour mixture just until blended. Onto ungreased cookie sheet, drop dough by rounded tablespoonfuls 2 inches apart.
2Bake 9 to 11 minutes or until cookies are puffed and edges are set but centers are still soft. Cool 5 minutes; remove from cookie sheet to cooling rack. Cool completely.
3In 2-quart saucepan, heat 1/4 cup butter, 1/2 cup brown sugar and the milk over medium heat 2 minutes, stirring occasionally, until smooth. Remove from heat. Add 3/4 cup malted milk powder and 1/4 cup cocoa; stir until smooth. Spread glaze on tops of cookies. Sprinkle with malted milk balls.


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Doing It On Your Own Pays Off
Koh Samui Travel Blog› entry 6 of 8 › view all entries
The elephant trekking was a crack up, I have not laughed so hard in a
long time. Bri and Dad were on a 20 year old baby boy, a stubborn
elephant attempting to test the waters of freedom. Mom and I were on a
45 year old woman who obediently followed the elephant master. A man
with the greatest Thai humor I have experienced yet, mom and I called
him the "elephant cowboy". He woo hooed and sang thai pop songs the
entire way, while shouting -- over 1/2 a mile away to friends.
(seriously check out the videos) At the resting point, the elephant
cowboy's ushered mom and dad to take the ears and steer the elephant.
Bug eyed and nervous they climbed to the neck of these enormous 2 ton
animals and grabbed on. Meanwhile, our "elephant cowboys" gave us an
insight into what it must be like to be Angelina Jolie, Brad Pitt, and
all their little runts! 1, 2, 3 (snap) 1, 2, 3 (snap) 1, 2, 3 (snap). I
downloaded Dad's pictures a grand total of 25 pics taken by our
paparazzi! Not to mention that was one camera, they had mom's too!
After much laughter and severe knee slapping, they dropped us 1/2 up
the trail and said "waterfall 10 minutes walk". We followed their
direction and slowly began our ascend at the looming mountain ahead. We
"walked" 10 minutes and saw nothing, we kept "walking" and "walking". I
say "walking" because it was more like a 75 degree incline the entire
way. Brianne and I taking the lead, are beginning to think we must have
missed something, until out of the trees came -- Pon. A little Thai man
that asked us if we were looking for the waterfall swimming. YES! Need
water, need to cool off -- beads of sweat streaming down our faces and
necklines. Pon suggested we follow him, he knew the way. Bri and I
shrugged our shoulders and followed his footsteps. We asked how much
longer it was to the waterfall...5 minutes said Pon. The Thai
perception of time is way off! I am not sure if it because there are no
clocks anywhere in sight. Not in hotel rooms, lobbies, restaurants,
taxis, I literally mean NO WHERE! We are still "walking" having to use
ropes tied to trees to pull ourselves up due to the steepness of this
"walk". 45 minutes later we arrive at an 25 ft by 50 ft pool of water,
that is the most enticing body of water I have ever laid eyes on. I rip
off my clothes and jump in liberated by our accomplishment in this 95
degree heat and humidity level of 75% and over! We swam beneath the
waterfall and into a small cave, complete with a natural made shower
towards the back. We jumped 25 ft off boulders into this tiny pool of
water with the helpful direction of our tighty-whity armed friend. We
had a blast. Of course after the extreme "walk" and victory lap around
the natural pool, we all realized we had fallen into the tourist trap.
Pon was earning his living, showing people to the hidden waterfall and
offering them a great time! And great time we had! We handed Pon, 600
Baht, after he led us down and played his role of paparazzi.
Drinks danced through our minds at this point. Off to cure our
exhaustion with rum! A tiny, french owned Rum distillery offering a
selection of 6 different rums. They are so good-- you can drink them
simply over ice. The french woman running the show, explained that this
rum was made of sugar cane and locally grown fruit, not one single
additive or flavoring. She poo pooed us Americans and our rum habits
and in the end she was very right. The only time we ever drink rum is
if it is mixed with Coca Cola or juices. We never order a rum on the
rocks! We are missing out on just how great it can be! She convinced
us, we tasted her hand made delicacies and purchased two bottles of the
delicious concoxtion.
The remainder of daylight was spent lounging and resting our tired legs, but as dusk rolled over the island we were off on our next adventure. Italian food. Yes, thats right Italian food in Thailand! I have been surprisingly shocked at the amount of foreigners that have landed in this beautiful country and have brought with them a taste of their homeland. I guess everyone is looking for their slice of paradise. Via Vie, was the place -- pizza and pasta was our desires. We ate what to me felt like the next best thing to either Grimaldi's (the famous Brooklyn pizzaria) or Italy. It was utterly delicious, however the night was steamy and we were drenched with heat and exhaustion. What better place to regain our strength and energy than one of the thousands of thai massage parlors on this island. We went in for mani/pedi's (Bri & I) and A/C. We left having had 7 thai women working on 4 of us at the same time, while we lounged in Thai style. Mom and Dad were convinced that the A/C was not good enough. Relaxation was brought on them in the form of two strong handed Thai women, massaging their feet, hands, and head. Brianne and I got what we came in for. We walked out having spent 1200 Baht, $35 for an hour! Ladies and Gentleman -- $8.75 for 1 hour of pampering! This could easily become a habit of mine, while I am here!


text:
So Marcel and Lana have been doing the whole Karate thing lately. It's pretty neat and they really enjoy it. Yesterday they participated in their first tournament. So I canceled my gaming day with the guys and charged up the camera for a day with the family. I had fun watching them despite having to chase a crazy toddler up and down the bleachers. All things said and done, she was really well behaved and in a great mood. There were a few scary moments when I thought I'd get the stink eye from other spectators but thankfully her super power cuteness was too much for anyone to resist.
While Marcel was going through his Kata in front of the judges I made the mistake of pointing him out to her. She proceeded to yell at the top of her lungs.
"Hey Bubba! Hi Bubba! Whatchu doing Bubba?!..."
Then she decided to make a break for it despite being on my shoulders while I attempted to take pictures. When she saw her mom it was even worse because I made the mistake of getting in close for a few good photos. It was a steady stream of,
"Hiii Momma!! Whatchu doin' Momma?! Hey Momma!! Hey Momma, What u doin Momma?!!"
We were all of thirty feet away and my child was yelling at the top of her lungs while Lana did her Kata's in front of the judges. Luckily she trained for that too. Marcel took down a second place and Lana came home with first. I was very proud of em and 'Livie was too I think.
In other good news, while on the way to the tournament I found out my Owlcon logo won! I'm not sure which version they'll go with yet but I was stoked to know mine was picked. It's the second time I've submitted a logo and a second win. Not too shabby if I do say so myself. My first submission was back in 2004. So I'll get in for free this year and get my snazzy shirt for free this year. I'll probably end up running a game or two anyway though. I'm really excited about Owlcon this year and I'm already counting down. Until then, I need to learn 4th edition GURPS just a little better. I plan on hitting the conventions heavy this year. I got the gaming bug again. It's good to be roleplaying regularly again and even better to break out of my usual comfort zone to try new games. :)
I'm off to to a little touch up paint on Marcel's Halloween mask. He decided to be The Blue Spirit, from the Avatar The Last Airbender this year. It really hasn't been too difficult. The mask came along really well, I had plenty of scrap wood laying around for the swords, and I just had to sew a mask. It's been pretty fun putting together all the skills I've accumulated over the years and seeing results I can be proud of. Marcel actually made the comment that the mask is too shiny. My fiberglassing and bondo skills have come a long way :)
STAR WARS Saturday
7 hours ago


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Kerala School Wise SSLC Results 2017 are available at official website check now. Recently Department of Higher Secondary Education announced 10th Class Exam 2017 time table for the candidates who are pursuing the 10th Class in state Kerala. So the organization want to conduct in the month of March/April 2017. So all candidates prepared well for the examinations. And the organization conducted the Kerala 10th Class Exam 2017 in the month of March/April 2017 at various centers in Kerala state.Kerala SSLC Exam based on the Kerala 10th Class Exam Marks List 2017score they obtained in written Examination and they will get good college and educational institutions in Kerala state. So all applied candidates are searching for the Kerala SSLC 2017 Results to check their performance in the written examination. so all those candidates can download the Kerala Board SSLC Exam Result 2016 when the organization release the official link to download the Kerala SSLC Results 2017.
Kerala 10th Class Exam Marks List 2017
Department of Higher Secondary Education is a state level School Education Board running by the State Government of Kerala. It was established in 1990 with the responsibility of providing quality education to the students in state Kerala. The Board conducted two main examinations SSLC (Class 10th) and DHSE (12th Class) every year. Now the organization successfully conducted the SSLC (Class 10th) and going to release the Kerala School Wise SSLC Results 2017 on its official website. So all the candidates who are searching for the Kerala SSLC Results 2017 are now check at official website. So the candidates who appered for the exam and who to study further will download the Kerala SSLC 2017 Results from the official website or direct link provided below.
Details of Kerala Board SSLC Exam Result 2016
Examination Name: Department of Higher Secondary Education.
Name of The Exam: Kerala Board SSLC Exam
Date of Exam: March/April 2017
Official Website: results.itschool.gov.in
Category: Result
Kerala SSLC Results Release Date: Available Soon
- How to download Kerala 10th Class Exam Marks List 2017
- First Approach official login site @ results.itschool.gov.in
- Then enters to results forum
- Search and click 10th Class Exam Results 2017 link
- Then select your set from the given sets
- Enter hall ticket number and DOB
- Score card for this exam will be appeared on your scree
- Download and save a copy of it for further use
Click here to download Kerala School Wise SSLC Results 2017


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text: About 70 kilometers northwest of Rome, just outside the small town of Bomarzo, lies an exceedingly strange garden: Parco dei Mostri (Park of Monsters.) Scattered among several acres of plane trees and shrubs are sculptures unlike any in classic museums or, in fact, almost anywhere in the world. Walk the path and you'll come to an enormous stone elephant, a dragon enjoying a human meal, a colossal ... Read Full Article


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Pip-Boy Socks
Is that a Pip-Boy? I'd give my left arm for one of those...
- Crew socks featuring the Pip-Boy status screen
- Black with neon green trim and lettering
- Check your status in comfort
Is that a Pip-Boy? I'd give my left arm for one of those...A Pip-Boy is the ultimate tool for surviving the wastelands. A tool that can slow down time just by looking at it can give you those crucial seconds when fighting a pack of Super Mutants to get in some needed headshots. Or you can just check how healthy you are, because looking down and seeing how badly you're bleeding just isn't an option. We need Vault Boy to give us the proper diagnosis!
The Pip-Boy Socks feature the iconic monochrome status screen with Vault Boy. Maybe these will help tell you how comfy your feet are? (They won't.) But you won't need to check anyway, because Comfort bar is always full.
Product Specifications
- Pip-Boy Socks
- Officially-licensed Fallout merchandise
- Crew socks for the well traveled wastelander
- Black with neon green trim and lettering
- Fits men's shoe size 6-13 and women's sizes 7-12
- Materials: 55% cotton / 35% polyester / 6% nylon / 4% spandex
- Care Instructions: Machine wash cold. Tumble dry low.
- Imported
Wanna chat about it?
Have questions about Pip-Boy Socks or your order? We monitor these comments daily, but it may be faster to email us directly or call us at 1-888-GEEKSTUFF.