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May 20, 2013	CFPB Mortgage Reforms: ECOA and HPML Appraisal Rules and Notices
May 13, 2013	CFPB Mortgage Reforms: The Ability to Repay (ATR) and Qualified Mortgages (QM)
May 6, 2013	CFPB Mortgage Reforms: Prohibited Acts or Practices in Connection with Credit Secured by a Dwelling
Apr 29, 2013	CFPB Mortgage Reforms: Escrow Rules for HPMLs

Formed in 1974, the Independent Bankers Association of Texas (IBAT) represents Texas community banks. The Austin-based group is the largest state community banking organization in the nation, with membership comprised of more than 2,000 banks and branches in 700 Texas communities. Providing safe and responsible financial services to all Texans, IBAT member bank assets range in size from $10 million to $20 billion with combined assets statewide of nearly $165 billion. IBAT member banks are committed to supporting and investing in their local communities.

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