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 <title>Federal Legislative Letters</title>
 <link>http://www.ibat.org/federal-legislative-letters</link>
 <description>A list of the current Federal Legislative Letters</description>
 <language>en</language>
<item>
 <title>Risk-Based Capital Guidelines: Market Risk; Alternatives to Credit Ratings for Debt and Securitization Positions</title>
 <link>http://www.ibat.org/pdfs/2012/02/03/risk-based-capital-guidelines-market-risk-alternatives-credit-ratings-debt-and-secur</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/FDIC_Risk-Based_Capital_020312.pdf" length="112598" type="application/pdf" />
 <pubDate>Fri, 03 Feb 2012 16:41:15 -0500</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">6281 at http://www.ibat.org</guid>
</item>
<item>
 <title>Proposed Amendments Limiting Gifts from Registered Lobbyists and Lobbying Organizations</title>
 <link>http://www.ibat.org/pdfs/2011/11/09/proposed-amendments-limiting-gifts-registered-lobbyists-and-lobbying-organizations</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/OGE_110711.pdf" length="100580" type="application/pdf" />
 <pubDate>Wed, 09 Nov 2011 16:24:30 -0500</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">6006 at http://www.ibat.org</guid>
</item>
<item>
 <title>Key ICBA/IBAT Regulatory Relief Initiatives Advance in Congress</title>
 <link>http://www.ibat.org/pdfs/2011/11/04/key-icbaibat-regulatory-relief-initiatives-advance-congress</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <category domain="http://www.ibat.org/category/categories/senior-management">Senior Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/State_Association_CFA_Letter.pdf" length="8954" type="application/pdf" />
 <pubDate>Fri, 04 Nov 2011 09:49:14 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5988 at http://www.ibat.org</guid>
</item>
<item>
 <title>Commissioner Cooper Letter On NRA Issue</title>
 <link>http://www.ibat.org/pdfs/2011/10/26/commissioner-cooper-letter-nra-issue</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/Letter_to_Chairwoman_Capito_on_NRA_Deposits.pdf" length="120355" type="application/pdf" />
 <pubDate>Wed, 26 Oct 2011 16:31:53 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5966 at http://www.ibat.org</guid>
</item>
<item>
 <title>IBAT to Obama – Community Banks Can Help Jumpstart Our Economy</title>
 <link>http://www.ibat.org/pdfs/2011/09/13/ibat-obama-%E2%80%93-community-banks-can-help-jumpstart-our-economy</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/Pres_Obama_091311.pdf" length="95736" type="application/pdf" />
 <pubDate>Tue, 13 Sep 2011 14:07:15 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5856 at http://www.ibat.org</guid>
</item>
<item>
 <title>Credit Union Quest for Additional Commercial Lending Authority</title>
 <link>http://www.ibat.org/pdfs/2011/09/06/credit-union-quest-additional-commercial-lending-authority</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/commercial-lending">Commercial Lending</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/TX_Delegation_CU_Lending_090611.pdf" length="124347" type="application/pdf" />
 <pubDate>Tue, 06 Sep 2011 14:11:47 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5834 at http://www.ibat.org</guid>
</item>
<item>
 <title>IBAT Comments on OCC’s Proposed Overdraft Protection Guidance</title>
 <link>http://www.ibat.org/pdfs/2011/08/04/ibat-comments-occ%E2%80%99s-proposed-overdraft-protection-guidance</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <category domain="http://www.ibat.org/category/categories/senior-management">Senior Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/OCC_Overdraft_080411.pdf" length="86689" type="application/pdf" />
 <pubDate>Thu, 04 Aug 2011 14:16:24 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5711 at http://www.ibat.org</guid>
</item>
<item>
 <title>Reg E Remittance Rule</title>
 <link>http://www.ibat.org/pdfs/2011/07/25/reg-e-comment-letter</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/Fed_Reg_E_072111.pdf" length="81135" type="application/pdf" />
 <pubDate>Mon, 25 Jul 2011 10:13:13 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5638 at http://www.ibat.org</guid>
</item>
<item>
 <title>Residential Mortgage Loan Risk Retention Comment Letter</title>
 <link>http://www.ibat.org/pdfs/2011/07/25/credit-risk-retention</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/commercial-lending">Commercial Lending</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/consumer-lending">Consumer Lending</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/Credit_Risk_Retention_072111 (2).pdf" length="77404" type="application/pdf" />
 <pubDate>Mon, 25 Jul 2011 10:07:19 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5637 at http://www.ibat.org</guid>
</item>
<item>
 <title>Availability–to-Repay Requirements (Reg. Z) Comment Letter</title>
 <link>http://www.ibat.org/pdfs/2011/07/25/reg-z-comment-letter</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/Fed_Reg_Z_072111.pdf" length="77028" type="application/pdf" />
 <pubDate>Mon, 25 Jul 2011 10:04:18 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5636 at http://www.ibat.org</guid>
</item>
<item>
 <title>Neugebauer-Renacci letter to Fed on Interchange Rules</title>
 <link>http://www.ibat.org/pdfs/2011/07/08/neugebauer-renacci-letter-fed-interchange-rules</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/6-28-11_Neugebauer-Renacci_Interchange.pdf" length="102131" type="application/pdf" />
 <pubDate>Fri, 08 Jul 2011 12:12:24 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5559 at http://www.ibat.org</guid>
</item>
<item>
 <title>Patent Reform Letter to Texas Delegation</title>
 <link>http://www.ibat.org/pdfs/2011/06/15/patent-reform-letter-texas-delegation</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <category domain="http://www.ibat.org/category/categories/senior-management">Senior Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/US_House_Patents_061511.pdf" length="91218" type="application/pdf" />
 <pubDate>Wed, 15 Jun 2011 16:12:17 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5511 at http://www.ibat.org</guid>
</item>
<item>
 <title>Comment on Reg CC - Availability of Funds and Collection of Checks</title>
 <link>http://www.ibat.org/pdfs/2011/06/03/comment-reg-cc-availability-funds-and-collection-checks</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/Fed_Reg_CC_060311.pdf" length="119941" type="application/pdf" />
 <pubDate>Fri, 03 Jun 2011 14:55:36 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5451 at http://www.ibat.org</guid>
</item>
<item>
 <title>Comment on CFPB mortgage disclosure form draft designs</title>
 <link>http://www.ibat.org/pdfs/2011/05/26/comment-cfpb-mortgage-disclosure-form-draft-designs</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/consumer-lending">Consumer Lending</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/CFPB_Mortgage_Disclosures_052611.pdf" length="467449" type="application/pdf" />
 <pubDate>Thu, 26 May 2011 16:57:18 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5426 at http://www.ibat.org</guid>
</item>
<item>
 <title>Comment on Garnishment of Accounts Containing Federal Benefits Final Interim Rule </title>
 <link>http://www.ibat.org/pdfs/2011/05/26/comment-garnishment-accounts-containing-federal-benefits-final-interim-rule</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/Proof_of_Submission_052511.pdf" length="118044" type="application/pdf" />
 <pubDate>Tue, 24 May 2011 14:17:03 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5425 at http://www.ibat.org</guid>
</item>
<item>
 <title>Re: Amendment of Higher Priced Mortgage Loan provision of Reg. Z on escrow accounts for loans in rural and underserved areas</title>
 <link>http://www.ibat.org/pdfs/2011/04/29/re-notice-proposed-rulemaking-7100-ad65-76-fed-reg-11598-march-2-2011</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/commercial-lending">Commercial Lending</category>
 <category domain="http://www.ibat.org/category/categories/consumer-lending">Consumer Lending</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/Fed_Reg_Z_042911_0.pdf" length="108160" type="application/pdf" />
 <pubDate>Fri, 29 Apr 2011 12:11:29 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5295 at http://www.ibat.org</guid>
</item>
<item>
 <title>FDIC Responds to IBAT on Overdraft Guidance</title>
 <link>http://www.ibat.org/pdfs/2011/04/14/fdic-responds-ibat-overdraft-guidance</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/board-directors">Board of Directors</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <category domain="http://www.ibat.org/category/categories/senior-management">Senior Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/FDIC_Response-Overdraft_Guidance.pdf" length="370449" type="application/pdf" />
 <pubDate>Thu, 14 Apr 2011 14:43:04 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5241 at http://www.ibat.org</guid>
</item>
<item>
 <title>Patent Reform Letter to The Honorable Lamar Smith</title>
 <link>http://www.ibat.org/pdfs/2011/04/12/patent-reform-letter-honorable-lamar-smith</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/Judiciary_Cmte_Patent_041211.pdf" length="92557" type="application/pdf" />
 <pubDate>Tue, 12 Apr 2011 11:05:29 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5239 at http://www.ibat.org</guid>
</item>
<item>
 <title>Congress Weighs In On Harmful IRS Provision</title>
 <link>http://www.ibat.org/pdfs/2011/04/08/congress-weighs-harmful-irs-provision</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/IRS_040711.pdf" length="81960" type="application/pdf" />
 <pubDate>Fri, 08 Apr 2011 14:27:31 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5219 at http://www.ibat.org</guid>
</item>
<item>
 <title>Internal Revenue Service proposed regulation— Guidance on Reporting Interest Paid to Nonresident Aliens (REG-146097-09) RIN 1545</title>
 <link>http://www.ibat.org/pdfs/2011/04/04/internal-revenue-service-proposed-regulation-guidance-reporting-interest-paid-nonre</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/IRS_Nonresident_Aliens_040411.pdf" length="91292" type="application/pdf" />
 <pubDate>Mon, 04 Apr 2011 11:14:31 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5199 at http://www.ibat.org</guid>
</item>
<item>
 <title>IRS proposed regulation – Guidance on Reporting Interest Paid to Nonresident Aliens (REG-146097-09) RIN 1545-BJ01</title>
 <link>http://www.ibat.org/pdfs/2011/03/31/irs-proposed-regulation-guidance-reporting-interest-paid-nonresident-aliens-reg-14</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/Congr_Deleg_IRS_Reg_033111.pdf" length="94121" type="application/pdf" />
 <pubDate>Thu, 31 Mar 2011 10:44:28 -0400</pubDate>
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<item>
 <title>Advance Notice of Proposed Rulemaking and Request for Comments – Members of Federal Home Loan Banks (RIN 2590-AA39)</title>
 <link>http://www.ibat.org/pdfs/2011/03/24/advance-notice-proposed-rulemaking-and-request-comments-members-federal-home-loan-</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/commercial-lending">Commercial Lending</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/consumer-lending">Consumer Lending</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/FHFA_FHLB_Members_032411.pdf" length="81980" type="application/pdf" />
 <pubDate>Thu, 24 Mar 2011 13:58:40 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
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<item>
 <title>The Conference of State Bank Supervisors (CSBS) Letter on Interchange</title>
 <link>http://www.ibat.org/pdfs/2011/03/07/conference-state-bank-supervisors-csbs-letter-interchange</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/CSBSCommentLetterToFRBOnInterchangeFees.pdf" length="39043" type="application/pdf" />
 <pubDate>Mon, 07 Mar 2011 11:43:00 -0500</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
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<item>
 <title>RE: Final Overdraft Payment Supervisory Guidance – FIL-81-2010</title>
 <link>http://www.ibat.org/pdfs/2011/02/24/re-final-overdraft-payment-supervisory-guidance-%E2%80%93-fil-81-2010</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/FIL-81-2010_Chairman_Bair _letter.pdf" length="108939" type="application/pdf" />
 <pubDate>Thu, 24 Feb 2011 15:28:43 -0500</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
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 <title>Re: Registration of Municipal Advisors; Release No. 34-63576; File Number S7-45-10</title>
 <link>http://www.ibat.org/pdfs/2011/02/28/re-registration-municipal-advisors-release-no-34-63576-file-number-s7-45-10</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/comment-letters">Comment Letters</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislation-testimony">Federal Legislation</category>
 <category domain="http://www.ibat.org/category/categories/legislative-advocacy">Legislative Advocacy</category>
 <category domain="http://www.ibat.org/category/categories/legislative-letters">Legislative Letters</category>
 <category domain="http://www.ibat.org/category/categories/federal-legislative-letters">Letters</category>
 <enclosure url="http://www.ibat.org/files/PDFs/SEC_Letter_02222011.pdf" length="630749" type="application/pdf" />
 <pubDate>Tue, 22 Feb 2011 09:06:44 -0500</pubDate>
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