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Articles and Speeches

• Mark A. Kaufman, Maryland Commissioner of Financial Regulation - "Do Not Punish Consumers for Servicers’ Foreclosure Backlog" - American Banker – November 20, 2012 
• Barbara Rehm – Editor At Large – American Banker: “Regulators Need to Give PE a Chance to Help Community Banks Thrive” – Interview with Commissioner Mark Kaufman - December 14, 2011
• Mark A. Kaufman, Maryland Commissioner of Financial Regulation "Community Banks and Capital: Assessing a community bank’s need and access to capital in the face of market and regulatory challenge" – White paper published by the Conference of State Banks Supervisors (PDF document)
• Mark A. Kaufman, Maryland Commissioner of Financial Regulation - "Community Banking and A Path Forward" - As printed in the 4th Quarter issue of The Maryland Banker - September 11, 2011 (PDF document, 1.3MB)
• Mark A. Kaufman, Maryland Commissioner of Financial Regulation - "Capital Spigot for Small Banks is Too Tight" - As printed in the American Banker - August 1, 2011 (Word document, 29KB)
• Anne Balcer Norton, Deputy Commissioner, Testifies Before Congress on Behalf of Conference of State Bank Supervisors on "Mortgage Origination: The Impact of Recent Changes On Homeowners and Businesses" Before the Insurance, Housing, and Community Opportunity Subcommittee, Committee on Financial Services, United States House of Representatives, Rayburn House Office Building - July 13, 2011 (PDF document, 897KB)
• Mark A. Kaufman, Maryland Commissioner of Financial Regulation - Comments Before the Independent Community Bank Conference - BWI Hilton Conference Center - April 21, 2011 (Word document, 45KB)
• Mark A. Kaufman, Maryland Commissioner of Financial Regulation - On The Foreclosure Crisis and Efforts to Respond - Presented Before the Committee on Oversight and Government Reform, United States House of Representatives - University of Maryland, Nathan Patz Law Center - March 8, 2011 (Word document, 52KB)
• Commissioner of Financial Regulation, Sarah Bloom Raskin, addresses The Maryland Bankers Association Executive Roundtable, Turf Valley, Maryland - December 14, 2009 (Word document, 38KB)

Maryland General Assembly Testimony

Testimony 2012

• Testimony in Support of Senate Bill 580 - Income Tax - Subtraction Modification - Mortgage Forgiveness Debt Relief - Anne Balcer Norton, Deputy Commissioner of Financial Regulation - Presented Before the Budget and Taxation Committee - March 13, 2012 (PDF document, 80KB)
• Testimony in Support of Senate Bill 792 - State Procurement - Banking Services Preference-Lend Local Act of 2012 - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the Senate Finance Committee - February 21, 2012 (Word document, 28KB)
• Testimony in Support of House Bill 571 - State Procurement - Banking Services Preference-Lend Local Act of 2012 - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the House Economic Matters Committee - February 21, 2012 (Word document, 28KB)
• Testimony in Support of Senate Bill 546 - Financial Institutions - Mortgage Lenders and Mortgage Loan Originators - Anne Balcer Norton, Deputy Commissioner of Financial Regulation - Presented Before the Finance Committee - February 21, 2012 (Word document, 34KB)
• Testimony in Support of Senate Bill 545 - Money Transmitters - Nationwide Licensing System and Examination Fees - Support with Amendment - Anne Balcer Norton, Deputy Commissioner of Financial Regulation - Presented Before the Finance Committee - February 21, 2012 (Word document, 34KB)
• Testimony in Support of Senate Bill 302 - Financial Institutions - Commissioner of Financial Regulation - Investigative and Enforcement Powers and Regulation of Mortgage Lenders - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the Senate Finance Committee - February 21, 2012 (PDF document, 271KB)
• Testimony in Support of Senate Bill 290 - Commissioner of Financial Regulation - Financial Institutions - Financial Institutions - Reorganization - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the Senate Finance Committee - February 7, 2012 (Word document, 36KB)
• Testimony in Support of Senate Bill 303 - Credit Regulation - Debt Management Services - Agreement and Prohibited Acts - Mark Kaufman, Commissioner of Financial Regulation - Senate Finance Committee - February 7, 2012 (Word document, 34KB)

Testimony 2011

• Testimony Opposing House Bill 873 - Maryland Civil Litigation Funding Act - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the House Judiciary Committee - March 3, 2011 (Word document, 40KB)
• Testimony in Support of Senate Bill 741 - Commercial Law - Debt Settlement Services - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the Senate Finance Committee - March 1, 2011 (Word document, 29KB)
• Testimony in Support of House Bill 1022 - Commercial Law - Debt Settlement Services - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the House Economic Matters Committee - February 22, 2011 (Word document, 29KB)
• Testimony in Support of House Bill 127 - State Board of Education - Financial Literacy Curriculum - Graduation Requirement - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the House Ways and Means Committee - February 17, 2011 (Word document, 28KB)
• Testimony in Support of Senate Bill 262 - State Board of Education - Financial Literacy Curriculum - Graduation Requirement - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the Senate Education, Health, and Environmental Affairs Committee - February 16, 2011 (Word document, 26KB)
• Testimony in Support of House Bill 198 - Financial Institutions – Authority of the Commissioner of Financial Regulation – Information Sharing - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the House Economic Matters Committee - February 10, 2011 (Word document, 32KB)
• Testimony in Support of House Bill 358 - Office of the Commissioner of Financial Regulation, the Banking Board, and the State Collection Agency Licensing Board - Sunset Extension and Program Evaluation - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the House Economic Matters Committee - February 10, 2011 (Word document, 35KB)
• Testimony in Support of Senate Bill 103 - Office of the Commissioner of Financial Regulation, the Banking Board, and the State Collection Agency Licensing Board - Sunset Extension and Program Evaluation - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the Senate Finance Committee - February 1, 2011 (Word document, 34KB)
• Maryland Debt Settlement Services Study Act - Mark Kaufman, Commissioner of Financial Regulation - Presentation to the House Economic Matters Committee - January 25, 2011 (PowerPoint presentation, 396KB, download PowerPoint viewer for free)
• Testimony in Response to the Sunset Review of the Office of the Commissioner of Financial Regulation, the Banking Board and the Collection Agency Licensing Board - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the House Economic Matters Committee - January 20, 2011 (Word document, 40KB)
• Testimony in Response to the Sunset Review of the Office of the Commissioner of Financial Regulation, the Banking Board and the Collection Agency Licensing Board - Mark Kaufman, Commissioner of Financial Regulation - Presented Before the Senate Finance Committee - January 18, 2011 (Word document, 40KB)

Testimony 2010

• Testimony in Support of House Bill 1136 - as Amended, Nondepository Trust Company Receiverships Permitting Conversion of Federal Savings Banks to State Charter – Sarah Bloom Raskin, Commissioner of Financial Regulation – April 1, 2010 – Senate Finance Committee  (PDF document, 2.3MB)
• Testimony in Support of House Bill 1152 - Commissioner of Financial Regulation – Applicant and Staff Criminal Background Checks – Sarah Bloom Raskin, Commissioner of Financial Regulation – April 1, 2010 – Senate Finance Committee (PDF document, 1.5MB)
• Testimony in Support of House Bill 402 - as Amended The State Collection Agency Licensing Board by Commissioner Sarah Bloom Raskin, Chairman of the Board, Stephen Hannan, Member and Susan Hayes, Member – March 31, 2010 – Senate Finance Committee (PDF document, 2.1MB)
• Testimony in Support of House Bill 79 - Commercial Law – Credit Services Businesses – Sarah Bloom Raskin, Commissioner of Financial Regulation – March 25- Senate Finance Committee (PDF document, 2.2MB)
• Testimony in Support of House Bill 1400 - Commissioner of Financial Regulation – Financial Education Resources Clearinghouse – Sarah Bloom Raskin, Commissioner of Financial Regulation - March 23, 2010 – House Ways and Means Committee (PDF document, 1.4MB)
• Testimony in Support of Senate Bill 1036 - Commissioner of Financial Regulation – Financial Education Resources Clearinghouse – Sarah Bloom Raskin, Commissioner of Financial Regulation – March 23, 2010 – Senate Finance Committe (PDF document, 1.4MB)
• Testimony in Support of Senate Bill 878 - Reverse Mortgage Homeowners Protection Act – Mark Kaufman, Deputy Commissioner of Financial Regulation – March 23, 2010 – Senate Finance Committee  (PDF document, 3.3MB)
• Testimony in Support of House Bill 1331 - Civil Litigation Funding – Sarah Bloom Raskin, Commissioner of Financial Regulation – March 17, 2010 – House Judiciary Committee (PDF document, 2.1MB)
• Testimony in Support of House Bill 1254 - with Amendments, Credit Regulation – Mortgage Brokers- Charges – Sarah Bloom Raskin, Commissioner of Financial Regulation - March 11, 2010 – House Economic Matters  (PDF document, 745KB)
• Testimony in Support of Senate Bill 943 - with Amendments Credit Regulation – Mortgage Brokers-Charges – Sarah Bloom Raskin, Commissioner of Financial Regulation – March 10, 2010 – Senate Finance Committe  (PDF document, 683KB)
• Testimony in Support of Senate Bill 831 - Civil Litigation Funding – Mark Kaufman, Deputy Commissioner of Financial Regulation – March 9, 2010 – Senate Judicial Proceedings Committee (PDF document, 2.2MB)
• Testimony in Support of House Bill 1206 - Commercial Law – Consumer Protection Refund Anticipation Loans and Checks – Sarah Bloom Raskin, Commissioner of Financial Regulation – March 9, 2010 – House Economic Matters Committee (PDF document, 1.5MB)
• Testimony in Support of House Bill 1152 - Commissioner of Financial Regulation – Applicant and Staff Criminal Background Checks – Mark Kaufman, Deputy Commissioner of Financial Regulation – March 4, 2010 – House Economic Matters Committee (PDF document, 1.4MB)
• Testimony in Support of House Bill 1136 - Nondepository Trust Company Receiverships Permitting Conversion of Federal Savings Banks to State Charter – Sarah Bloom Raskin, Commissioner of Financial Regulation – March 4, 2010 – House Economic Matters Committee  (PDF document, 2.1MB)
• Testimony in Support of Senate Bill 878 - Reverse Mortgage Homeowners Protection Act – Mark Kaufman, Deputy Commissioner of Financial Regulation – March 2, 2010 – Senate Finance Committee   (PDF document, 3.4MB)
• Testimony in Support of Senate Bill 787 - with Amendments Mortgage Lenders – Net Worth Requirements – Sarah Bloom Raskin, Commissioner of Financial Regulation – March 2, 2010 – Senate Finance Committee  (PDF document, 1.4MB)
• Testimony in Support of Senate Bill 701 - Commercial Law—Debt Settlement Services – Sarah Bloom Raskin, Commissioner of Financial Regulation - March 2, 2010 – Senate Finance Committee  (PDF document, 1.4MB)
• Testimony in Support of Senate Bill 678 - Commercial Law – Credit Services Businesses – Sarah Bloom Raskin, Commissioner of Financial Regulation – March 2, 2010 – Senate Finance Committee  (PDF document, 2.7MB)
• Testimony in Support of Senate Bill 762 - Commercial Law – Consumer Protection Refund Anticipate Loans and Checks – Sarah Bloom Raskin, Commissioner of Financial Regulation – March 2, 2010 – Senate Finance Committee (PDF document, 1.4MB)
• Testimony in Support of House Bill 799 - Reverse Mortgage Homeowners Protection Act – Mark Kaufman, Deputy Commissioner of Financial Regulation – February 25, 2010 – House Economic Matters Committee  (PDF document, 3.5MB)
• Testimony in Support of House Bill 392 - Commercial Law – Debt Settlement Services – Sarah Bloom Raskin, Commissioner of Financial Regulation – February 25, 2010 – House Economic Matters Committee  (PDF document, 1.4MB)
• Testimony in Support of House Bill 402 - The State Collection Agency Licensing Board – By Sarah Bloom Raskin, Chairman of the Board, Stephen Hannan, Member and Susan Hayes, Member – February 17, 2010 – Economic Matters Committee (PDF document, 2.2MB)

Testimony 2009

• Testimony in Support of House Bill 1535 - Credit Regulation-Mortgage Loan - Proof of Ability to Repay--Exception - Mark Kaufman, Deputy Commissioner of Financial Regulation - March 25, 2009 - House Economic Matters Committee  (Word document, 32KB)
• Testimony in Support of House Bill 1555 - Financial Institutions-Enhanced Supervision-Branch Banking - Sarah Bloom Raskin, Commissioner of Financial Regulation - March 25, 2009 - House Economic Matters Committee (Word document, 33KB)
• Testimony in Support of Senate Bill 1036 - Credit Regulation-Mortgage Loan - Proof of Ability to Repay--Exception - Mark Kaufman, Deputy Commissioner of Financial Regulation - March 20, 2009 - Senate Finance Committee (Word document, 31KB)
• Letter to Chairman Middleton regarding SB 706 - March 12, 2009 (PDF document, 969KKB, download Adobe Acrobat for free)
• Testimony HB 844 - March 11, 2009 (PDF document, 1.6MKB, download Adobe Acrobat for free)
• Testimony in Support of House Bill 1292 - Consumer Protection-Blacklist Prevention - Sarah Bloom Raskin, Commissioner of Financial Regulation - March 11, 2009 - House Economic Matters Committee (Word document, 28KB)
• Testimony in Opposition to Senate Bill 706 - Credit Regulation-Mortgage Brokers-Finder's Fee - Sarah Bloom Raskin, Commissioner of Financial Regulation - March 10, 2009 - Senate Finance Committee (Word document, 29KB)
• Testimony in Support of House Bill 1269 with Amendments - Credit Regulation-Provision of Debt Management and Debt Settlement Services - Sarah Bloom Raskin, Commissioner of Financial Regulation - March 4, 2009 - House Economic Matters Committee (Word document, 293KB)
• Testimony in Opposition to House Bill 232 - Credit Regulation-Mortgage Lending - Borrower's Ability to Repay Loan - Sarah Bloom Raskin, Commissioner of Financial Regulation - February 18, 2009 - House Economic Matters Committee (Word document, 33KB)
• Testimony in Opposition to House Bill 643 - Credit Regulation-Mortgage Brokers-Finder's Fee - Sarah Bloom Raskin, Commissioner of Financial Regulation - February 18, 2009 - House Economic Matters Committee (Word document, 29KB)
• Testimony SB 269 - Mortgage Lenders and Mortgage Loan Originators - Carolyn Quattrocki, Governor's Legislative Office, Sarah Bloom Raskin, Commissioner of Financial Regulation, and Mark Kaufman, Deputy Commissioner of Financial Regulation - February 17. 2009 - Senate Finance Committee (Word document, 49KB)
• Testimony - Mortgage Lender Risk-Based Examination Study - Call Provision Study - Impact of Senate Bill 270 - Mark Kaufman, Deputy Commissioner of Financial Regulation - January 22, 2009 - Senate Finance Committee  (Word document, 42KB)
• Testimony - Status of Maryland Banking Industry - Sarah Bloom Raskin, Commissioner of Financial Regulation - January 22, 2009 - Senate Finance Committee (Word document, 61KB)

Testimony 2008

• Testimony in Support of HB 752 - Sarah Bloom Raskin, Commissioner of Financial Regulation - April 2, 2008 - Senate Finance Committee (Word document, 34KB)
• Testimony in Support of HB 748 - The State Collection Agency Licensing Board by Commissioner Sarah Bloom Raskin, Chairman of the Board, Stephen Hannan, Member and Susan Hayes, Member - February 19, 2008 - Economic Matters (Word document, 25KB)
• Testimony in Support of HB 752 - Sarah Bloom Raskin, Commissioner of Financial Regulation - February 19, 2008 - Economic Matters Committee (Word document, 5KB)
• Testimony in Support of HB 417 - Joseph E. Rooney, Deputy Commissioner of Financial Regulation - February 5, 2008 - Economic Matters Committee (Word document, 21KB)
• Testimony in Support of SB 218 - Sarah Bloom Raskin, Commissioner of Financial Regulation - February 5, 2008 - Senate Judicial Proceedings (Word document, 101KB)
• Testimony in Support of SB 217 - Sarah Bloom Raskin, Commissioner of Financial Regulation - February 5, 2008 - Senate Judicial Proceedings (Word document, 77KB)
• Testimony in Support of SB 216 - Sarah Bloom Raskin, Commissioner of Financial Regulation - February 5, 2008 - Senate Judicial Proceedings (Word document, 119KB)

* Speeches and Testimony Prior to October 1, 2010 by Commissioner Sarah Bloom Raskin