Circular
Consumer Advisory Council New Members
January 29, 1998
Circular No. 11022

To All Depository Institutions and Others Concerned in the Second Federal Reserve District:

The following is from a statement issued by the Board of Governors of the Federal Reserve System:

The Federal Reserve Board has named fourteen new members to its Consumer Advisory Council for three-year terms and designated a new Chairman and Vice Chairman of the Council for 1998.

The Council, which consists of thirty members, advises the Board on the exercise of its responsibilities under the Consumer Credit Protection Act and on other matters in the area of consumer financial services. The Council meets three times a year in Washington, D.C. William N. Lund, Director of the Office of Consumer Credit Regulation for the State of Maine, was designated Chairman. His term runs through December 1998. Yvonne S. Sparks was designated Vice Chairman. Ms. Sparks is Vice President, Community Investment Department, at the NationsBank Community Investment Group in St. Louis, Missouri. Her term on the Council ends in December 1999.

Printed below are brief biographical sketches of the fourteen new members, along with a list of the other members of the Council.

The fourteen new members are:

WALTER J. BOYER
Garland, Texas

Mr. Boyer is President of United Central Bank, a minority-owned bank that specializes in niche markets serving the large Asian populations of Texas. Mr. Boyer is active in many community and business organizations. He currently serves as President of the Dallas Business Association. Other past and present affiliations include service as board member of the Garland Community Hospital, the Garland Advisory Police Council, and the Association of Women Entrepreneurs.

JEREMY EISLER
Ocean Springs, Mississippi

Mr. Eisler is Director of Litigation for the South Mississippi Legal Services Corporation, where he practices in the area of consumer law. The agency, located in Biloxi, represents low-income individuals. Mr. Eisler is also the Statewide Coordinator of Litigation and Training in the area of consumer law for Legal Services programs in Mississippi, and is a frequent lecturer on consumer law. He is a member of both the Mississippi and the North Carolina Bars.

ROBERT F. ELLIOTT
Prospect Heights, Illinois

Mr. Elliott is Vice Chairman of Household International, a diversified financial services company engaged in making loans and issuing credit cards in the U.S., U.K. and Canada. He has been with Household since 1964. He was named Assistant Director of commercial lending in 1982; he was promoted to Division General Manager of Household's Canadian company in 1985 and to President of the operation in 1986. He was appointed President of Household's private label credit card business in 1987, and was named Group Executive and CEO of HFC in 1990. He was promoted to his current position in 1997. Mr. Elliott is active in business associations, and currently serves on the board of directors for the American Financial Services Association and Junior Achievement.

DWIGHT GOLANN
Boston, Massachusetts

Mr. Golann is Professor of Law at Suffolk University Law School and is also a Visiting Scholar at Harvard Law School. A specialist in alternative dispute resolution, he is a senior mediator and trainer for JAMS/Endispute and is a Distinguished Neutral for the CPR Institute of Dispute Resolution. He chairs the dispute resolution programs for the ADR committee in the American Bar Association's Section of Litigation, and has just completed a three-year term as chair of the ABA's Consumer Financial Services Committee. He previously served as chief of the Consumer Protection Division, deputy chief of the Public Protection Bureau, and Assistant Attorney General for the Commonwealth of Massachusetts. Mr. Golann is the principal author and editor of Mediating Legal Disputes: Effective Strategies for Lawyers and Mediators.

MARVA H. HARRIS
Pittsburgh, Pennsylvania

Ms. Harris is Senior Vice President and Manager of Community Development for PNC Bank Corporation, Pittsburgh, providing strategic guidance for initiatives that target the community development and economic revitalization of low- and moderate-income areas in all PNC Bank markets. In 1997, Ms. Harris received the Carlow College Women of Spirit award, in recognition of leadership in business and community activities. In 1995, she was among ten women from the Pittsburgh area to receive the YWCA of Greater Pittsburgh's Tribute to Women Leadership Award in Business and Industry. She is a member of the Consumer Bankers Association's Community Reinvestment Act Committee. She is a founding board member of the Pittsburgh Partnership for Neighborhood Development and the founding president of the Community Lender Credit Program. She has served on the board of directors for the Housing Authority of the City of Pittsburgh.

KARLA IRVINE
Cincinnati, Ohio

Ms. Irvine is Executive Director of Housing Opportunities Made Equal (HOME) of Greater Cincinnati, Inc., a private nonprofit corporation. HOME provides seminars and training on fair housing education issues and investigative techniques in real estate sales and rentals. Ms. Irvine is a member of the Executive Committee of the Cincinnati Branch of the National Association for the Advancement of Colored Persons. She is a board member of the Greater Cincinnati Mortgage Counseling Center, a group that provides support for low- and moderate-income, first-time homebuyers; a member of the Greater Cincinnati Housing Alliance, a group that funds neighborhood development corporations to improve their performance, and a member of Cincinnatus, a civic group.

GWENN KYZER
Allen, Texas

Ms. Kyzer is Vice President for Information Services for Experian, a diversified information company that includes one of the three major credit reporting agencies in the United States. Experian is a global provider of consumer and business credit reporting, credit-scoring and other analytical tools, and target-marketing information and services. Ms. Kyzer's current responsibilities include expansion of the marketing information business and fair information practices for Experian's direct marketing business. Ms. Kyzer has more than twenty years' experience in the credit reporting and direct market industries, having previously held senior positions with TRW and with Chilton Corporation. She serves on the board of directors of the American Mail Marketing Association and of the Direct Marketing Educational Foundation, and serves on the Ethics Policy Committee of the Direct Marketing Association.

JOHN C. LAMB
Sacramento, California

Mr. Lamb is Senior Staff Counsel for the California Department of Consumer Affairs, where he drafts and analyzes consumer legislation and where he has conducted consumer litigation and prepared and argued "friend of the court" briefs. Mr. Lamb writes and edits the Consumer Law Sourcebook, and serves as liaison to consumer organizations. He is a member of the California State Bar's Consumer Financial Services and Consumer Advocacy Committees; and is also a member of the California District Attorneys Association's Consumer and Environmental Protection Council.

MARTHA W. MILLER
Greensboro, North Carolina

Ms. Miller is President of Choice Federal Credit Union, a $38.5 million institution serving more than 34,000 members, primarily manufacturing employees paid on an hourly basis. She serves on a regional advisory committee of the National Association of Federal Credit Unions, and on the board of directors of the Carolina Credit Union Services and the North Carolina Credit Union Network. Ms. Miller also serves on the advisory board of Credit Counselors of Greensboro. She is a representative to the Better Business Bureau of Central North Carolina and the Greensboro Area Chamber of Commerce.

DANIEL W. MORTON
Columbus, Ohio

Mr. Morton is a Vice President and Senior Counsel of The Huntington National Bank, a subsidiary of the Huntington Bancshares, Inc., a bank holding company headquartered in Columbus, Ohio. He is responsible for providing legal advice with respect to retail deposit and consumer credit products, electronic banking, insurance, and other regulatory matters. He also works with the bank's Community Centered Banking group, which seeks alternative ways to bring banking products to low- and moderate-income persons. Mr. Morton serves on the Legal and Public Policy Committee of the Smart Card Forum, the Legal/Public Policy Working Group of The Bankers Roundtable, the Consumer Financial Services Committee of the Business Law Section of the American Bar Association, and various committees of the Consumer Bankers Association.

CHARLOTTE NEWTON
Springfield, Virginia

Ms. Newton is Vice President of Consumer Affairs for MasterCard International. She serves as vice chair of the National Consumers League and is co-chair of the Corporate Relations Committee recently established by the National Association of Consumer Agency Administrators. Ms. Newton serves on the National Commission on Family and Consumer Sciences National Standards as an advisor on the development of curriculum review standards for teaching consumer science. She has previously served as president of the Virginia Citizens Consumer Council and as the executive director of the National Association of Consumer Agency Administrators. As a founder of the National Coalition of Consumer Education, she served on the board of directors during the organization's early years.

DAVID L. RAMP
Minneapolis, Minnesota

Mr. Ramp is an attorney who represents low-income clients for the Legal Aid Society of Minneapolis, specializing in consumer and housing cases. He is the 1997 recipient of the Vern Countryman ConsumerLaw Award; the award recognizes and honors the accomplishments of attorneys serving the public interest who, through the practice of consumer law, have contributed significantly to the rights and welfare of low-income consumers. Mr. Ramp is a member of the Minnesota State Bar and Hennepin County Bar and serves on the bankruptcy panel of the Legal Advice Clinic.

ROBERT G. SCHWEMM
Lexington, Kentucky

Mr. Schwemm is Professor of Law at the University of Kentucky, where he teaches courses in civil procedure, constitutional law, and civil rights. He specializes in fair housing and fair lending laws, and is the author of Housing Discrimination: Law and Litigation. Mr. Schwemm serves as an advisor to the U.S. Department of Housing and Urban Development, the U.S. Department of Justice, and various other public and private agencies concerned with fair housing enforcement.

DAVID J. SHIRK
Eugene, Oregon

Mr. Shirk is Senior Vice President of Frontier Investment Company, a full-service mortgage company; and is the founder of RegWise, a regulatory compliance consulting firm. He is a Certified Mortgage Consultant, and in 1995 was named Mortgage Broker of the Year by the National Association of Mortgage Brokers. He served as chair of the Association's National Mortgage Reform task force in 1996-97; he now serves on the Mortgage Reform Working Group, a roundtable of industry and consumer organizations that is developing recommendations for the reform of the Truth in Lending Act and Real Estate Settlement Procedures Act. He is a past president of the Oregon Association of Mortgage Brokers. Mr. Shirk recently published a manual titled High Cost Mortgages, How to Comply with Regulation Z Section 32: An Originator's Guide to Compliance.

Council members whose terms continue through 1998 and 1999 are:

Richard S. Amador
President and Chief Executive Officer
CHARO Community Development
Corporation
Los Angeles, California
Philip Price, Jr.
Executive Director
The Philadelphia Plan
Philadelphia, Pennsylvania
Wayne-Kent A. Bradshaw
President and Chief Executive Officer
Family Savings Bank, FSB
Los Angeles, California
Marilyn Ross
Executive Director
Holy Name Housing Corporation
Omaha, Nebraska
Heriberto Flores
President and Chief Executive Officer
Brightwood Development Corporation
Springfield, Massachusetts
Margot Saunders
Managing Attorney
National Consumer Law Center
Washington, D.C.
Francine C. Justa
Executive Director
Neighborhood Housing Services of
New York
New York, New York
Gail Small
Executive Director
Native Action
Lame Deer, Montana
Janet C. Koehler
Senior Manager of Electronic Commerce
AT&T Universal Card Services
Jacksonville, Florida
Gregory D. Squires
Professor
Department of Sociology
University of Wisconsin-Milwaukee
Milwaukee, Wisconsin
Errol T. Louis
Central Brooklyn Federal Credit Union
Brooklyn, New York
George P. Surgeon
Chief Financial Officer and Executive Vice President
Shorebank Corporation
Chicago, Illinois
Carol Parry
Executive Vice President
Chase Manhattan Bank
New York, New York
Theodore J. Wysocki, Jr.
Executive Director
CANDO
Chicago, Illinois