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J. David Williams Testimony

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“Regulation reaches the level of overkill when it hurts the very consumer it was designed to protect.” That was but one of the many observations offered by former IBAT Chairman J. David Williams, Chairman of Centennial Bank in Lubbock, before the full U.S. House Financial Services Committee last week. Testifying on behalf of ICBA, Williams, along with representatives of the American Bankers Association and the Credit Union National Association, provided an earful to a receptive committee intent on rolling back some of Dodd-Frank’s most harmful provisions.

IBAT Comments

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Last week, IBAT submitted two comment letters: one to the Texas Department of Banking (TXDOB) regarding fiduciary accounts (e.g. IRA and ERISA) and another on a petition pending before the Federal Communications Commission regarding the Telephone Consumer Protection Act (TCPA).

Baker Market Update: Mar. 23, 2015


Spring has sprung, and many are wondering if interest rates will be popping up along with the daffodils and the henbit. And while we now possess greater clarity about the NCAA bracket and State Department Form O.F. 109, this week’s events haven’t really reduced the uncertainty surrounding the inceptive date of the Fed’s long awaited and long delayed journey to higher rates.

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