The Honorable Maxine Waters Chairwoman Committee on Financial Services U.S. House of Representatives Washington, D.C. 20515 Dear Chairwoman Waters, On behalf of the Conference of State Bank Supervisors (CSBS), 1 I am writing in response to your August 5, 2021, letter to CSBS Chair Melanie Hall 2 calling for: An update to the Joint Statement on Supervisory and Enforcement Practices

Beth Grebeldinger U.S. Department of Education, Federal Student Aid 830 First Street NE Room 113F4 Washington, DC 20202. Re: Federal Preemption and Joint Federal-State Regulation and Oversight of the Department of Education's Federal Student Loan Programs and Federal Student Loan Servicers (Docket ID ED-2021-OS-0107) Dear Ms. Grebeldinger, The Conference of State Bank Supervisors (CSBS) 1 and the North American Collection

The Honorable Pat Toomey Ranking Member Senate Banking Committee Washington, D.C. 20510 Dear Ranking Member Toomey, The Conference of State Bank Supervisors (CSBS) 1 appreciates the opportunity to highlight the critical role of state bank regulators in supervising money transmission and virtual currencies. State regulators charter and supervise 79 percent of all U.S. banks and are the primary regulators of

State regulators are charged with protecting consumers and ensuring the safety and soundness of the financial institutions they supervise.

Dear Chairman Brown and Ranking Member Toomey, The Conference of State Bank Supervisors (CSBS) is pleased to support Sarah Bloom Raskin’s nomination to be Vice Chairman for Supervision of the Board of Governors of the Federal Reserve System. As Commissioner of the Maryland Office of Financial Regulation, Ms. Raskin oversaw insured depository institutions, money services businesses, and an array of

Appraisal Subcommittee Attn: Lori Schuster Management and Program Analyst 1325 G Street NW, Suite 500 Washington, DC 20005 Docket No. AS22-01 Submitted electronically via Regulations.gov Re: Notice of Proposed Rulemaking – Temporary Waiver Requests Dear Sir or Madam, The Conference of State Bank Supervisors (“CSBS”) 1 appreciates the opportunity to comment on the Notice of Proposed Rulemaking (“NPR”) issued by

Ann E. Misback, Secretary Board of Governors of the Federal Reserve System 20th Street and Constitution Avenue, NW Washington, DC 20551 Docket No. OP-1747 Re: Supplemental Notice - Proposed Guidelines for Evaluating Account and Services Requests Dear Ms. Misback, The Conference of State Bank Supervisors (“CSBS” or “state bank regulators”) appreciates the opportunity to comment on the Supplemental Notice of

Dear Representatives Pelosi, McCarthy, Waters, and McHenry: On behalf of the Conference of State Bank Supervisors (CSBS) 1, I write to request that you retain the Secure and Fair Enforcement Banking Act of 2021, the SAFE Banking Act, in the conference agreement of the America COMPETES Act. By granting a safe harbor for financial institutions, Congress can bring regulatory clarity

Dear Senators Schumer, McConnell, Brown, and Toomey: On behalf of the Conference of State Bank Supervisors (CSBS)1, I write to request that you retain the Secure and Fair Enforcement Banking Act of 2021, the SAFE Banking Act, in the conference agreement of the America COMPETES Act. By granting a safe harbor for financial institutions, Congress can bring regulatory clarity to

James P. Sheesley, Assistant Executive Secretary Federal Deposit Insurance Corporation 550 17th Street NW Washington, DC 20429 RIN 3064-ZA31 Re: Request for Comment on Rules, Regulations, Guidance, and Statement of Policy on Bank Merger Transactions Dear Mr. Sheesley, The Conference of State Bank Supervisors (“CSBS”) 1 appreciates the opportunity to provide input on the Request for Comment on Rules, Regulations