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Obtained via FOIA by Judicial Watch, Inc.

From: To: Cc: Subject: Date: Attachments: Michalosky, Martin (CFPB) "CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:" Banks, Dominique (CFPB); Holzerland, William (CFPB) Consumer Financial Protection Bureau FOIA Request (CFPB-2011-002) Friday, August 05, 2011 8:48:22 AM CFPB-2011-002 Ack Letter.tif

Good morning Mr. Dougherty, Please see the attached acknowledgement letter that references your August 3, 2011 FOIA request to the Consumer Financial Protection Bureau. If you have any questions or concerns, please do not hesitate to contact the CFPB FOIA Service Center at 1-855-444-FOIA (3642) or CFPB FOIA@cfpb.gov.
Martin Michalosky FOIA and Transparency Manager Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Tel: 202 435 7198 Fax: 202 435 7244 Email: martin.michalosky@cfpb.gov consumerfinance.gov/foia

Obtained via FOIA by Judicial Watch, Inc.

Obtained via FOIA by Judicial Watch, Inc.


From: To: Cc: Subject: Date: Attachments: Michalosky, Martin (CFPB) "CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:" Holzerland, William (CFPB); Kitt, Brett (CFPB) Consumer Financial Protection Bureau FOIA Request 2011-06-053 Response Thursday, June 16, 2011 12:40:14 PM 2011-06-053 Final Response.pdf

Good afternoon Mr. Dougherty, Attached to this email is the CFPBs response to your FOIA request dated June 6, 2011, in which you request records relating to the calendars of Ms. Patricia McCoy and Mr. Richard Cordray. If you have any questions or concerns, please do not hesitate to contact the CFPB FOIA Team at 1-855-444-FOIA (3642) or CFPB FOIA@treasury.gov. Thank you.

Marty Michalosky
Consumer Financial Protection Bureau (CFPB) implementation team Department of the Treasury Phone: 202-435-7198 Email: Martin.Michalosky@treasury.gov

Obtained via FOIA by Judicial Watch, Inc.

Obtained via FOIA by Judicial Watch, Inc.

Richard Cordray Responsive Records

January 03, 2011 Monday


11:00 AM - 11:30 AM

Obtained via FOIA by Judicial Watch, Inc.


CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 -

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

January 10, 2011 Monday


11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

January 17, 2011 Monday


11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

January 18, 2011 Tuesday


9:00 AM - 10:30 AM Orientation and Benefits Briefing

11:00 AM - 12:00 PM

Enforcement Team Meeting -- Room 501

1:00 PM - 1:30 PM

Introductory Meeting -- Room 540

Nani, WallyaskedmetosetupintroductorymeetingsforRichCordrayonhisfirstday.Please
Cordray, Richard (CFPB) 1 4/13/2011 11:02 AM

January 18, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

letmeknowifyoucanmeetwithhimbrieflyatthistime. Thanks, Meredith


1:30 PM - 2:00 PM Introductory Meeting -- Room 563

3:30 PM - 4:00 PM

Check-in Meeting -- 553

When: Tuesday, January 18, 2011 3:30 PM-4:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: 553 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:30 PM - 5:00 PM

Introductory Meeting -- Room 562

January 19, 2011 Wednesday


8:30 AM - 9:00 AM CFPB Orientation -- TBD

When: Wednesday, January 19, 2011 8:30 AM-9:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: TBD Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:00 AM - 11:00 AM

Enforcement Candidates -- Room 523

WehaveRoom523until10:30a.m.Ifweneedmoretimethanthat,wecanperhaps imposeonOrisofficemate. Thanks, Meredith


11:00 AM - 12:00 PM Meeting with Peter Jackson -- Room 545

11:00 AM - 11:15 AM

Canceled: Regionalization Meeting Wrap-Up -- 1801 L St. (Conference Room 503)

When: Wednesday, January 19, 2011 11:00 AM-11:15 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Cordray, Richard (CFPB) 2 4/13/2011 11:02 AM

January 19, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

1:00 PM - 1:30 PM

Introductory Meeting w/ Raj Date -- Room 548

3:15 PM - 3:45 PM

Meeting w/ Elizabeth Warren -- Room 550

January 20, 2011 Thursday


8:30 AM - 10:00 AM FW: Policy Meeting -- 1801 L St. (Conference Room 503)

When: Thursday, January 20, 2011 8:30 AM-10:00 AM (GMT-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Warren, Elizabeth (CFPB) Sent: Friday, January 14, 2011 3:56 PM To: Warren, Elizabeth (CFPB); Antonakes, Steve (CFPB); Burniston, Tim (CFPB); Morris, Lucy (CFPB); Hrdy, Alice (CFPB); Twohig, Peggy (CFPB); Coloretti, Nani (CFPB); Silberman, David (CFPB); Cochran, Kelly (CFPB); Vale, Elizabeth (CFPB); Jackson, Peter (CFPB); Date, Rajeev (CFPB); Geldon, Daniel (CFPB); Adeyemo, Adewale (Wally) (CFPB); Canfield, Anna (CFPB) Subject: Policy Meeting When: Thursday, January 20, 2011 8:30 AM-10:00 AM (GMT-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503)

When: Thursday, January 20, 2011 8:30 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Topic:BankandNonbankSupervisionModeling
10:00 AM - 10:30 AM Meeting re: Fair Lending

Cordray, Richard (CFPB)

4/13/2011 11:02 AM

January 20, 2011 Continued Thursday


11:00 AM - 11:30 AM

Obtained via FOIA by Judicial Watch, Inc.


Introductory Meeting w/ Richard Cordray -- Room 536

When:Thursday,January20,201111:00AM11:30AM(GMT05:00)EasternTime(US& Canada). Where:Room536 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

FW: CFPB Lunch Meeting -- 503 (A)

When:Thursday,January20,201112:00PM1:00PM(GMT05:00)EasternTime(US& Canada). Where:503(A) Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Adeyemo, Adewale (Wally) Sent: Thursday, October 21, 2010 12:51 PM To: Adeyemo, Adewale (Wally); Morris, Lucy; Smullin, Rebecca; Twohig, Peggy; Stein, Eric; Cochran, Kelly; Scanlon, Thomas; Coloretti, Nani; Taylor, Charlotte; Mann, Benjamin; Kershbaum, Sharon; Gorski, Stephanie; 'English, Leandra'; Huang, Eugene; Canfield, Anna; Geldon, Daniel; Jackson, Peter; Burniston, Tim Cc: Lepley, Richard; 'ehuang@ostp.eop.gov'; 'Huang, Eugene J.'; Erickson, Elizabeth; Slagter, Dennis; Date, Rajeev; Goldfarb, Rachael; Dickman, Marilyn Subject: FW: CFPB Lunch Meeting When: Thursday, January 20, 2011 12:00 PM-1:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: 503 (A)

When:OccurseveryThursdayeffective7/29/2010from12:00PMto1:00PM (UTC05:00)EasternTime(US&Canada). Where:503(A) Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Adeyemo, Adewale (Wally) Sent: Monday, August 30, 2010 12:34 PM To: Adeyemo, Adewale (Wally); Smullin, Rebecca; Twohig, Peggy; Stein, Eric; Cochran, Kelly; Scanlon, Thomas; Coloretti, Nani; Taylor, Charlotte; Mann, Benjamin; Kershbaum,
Cordray, Richard (CFPB) 4 4/13/2011 11:02 AM

Obtained via FOIA by Judicial Watch, Inc.

January 20, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.


(CFPB); Young, Christopher; Twohig, Peggy (CFPB); Antonakes, Steve (CFPB) Subject: FW: Transparency Working Group - Update Steve & Peggy When: Thursday, January 20, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 501

When: Thursday, January 20, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Lev, Ori (CFPB) On Behalf Of Full Disclosure Conference Room 503 Sent: Thursday, January 13, 2011 3:49 PM To: Breslaw, April (CFPB); Cross, Chuck (CFPB); Hrdy, Alice (CFPB); Morris, Lucy (CFPB); Sokolov, Dan; VanMeter, Stephen (CFPB); Young, Christopher; Twohig, Peggy (CFPB); Antonakes, Steve (CFPB) Subject: Transparency Working Group - Update Steve & Peggy When: Thursday, January 20, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 501

Peggy has asked for an update on the status of the issues we are considering
2:00 PM - 3:00 PM HR Briefing -- Room 538

DennisandMarilyn, WallyaskedmetosetupmeetingsforRichardCordrayearlythisweekwithyoutwoto gethimuptospeedonhiringandtransfer.Pleaseletmeknowifyouareavailableto meetwithhimatthistime. Thankyou! MeredithOsborn

January 24, 2011 Monday


9:30 AM - 10:00 AM Team Lead Mtg per Wally

11:00 AM - 11:30 AM

CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments.
Cordray, Richard (CFPB) 6 4/13/2011 11:02 AM

January 24, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

Mtg w Bob Stoll -- Mayflower Lobby

1:30 PM - 2:00 PM

Check In w/ Richard Cordray and Elizabeth Warren -- 1801 L St. (550)

When: Monday, January 24, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

2:15 PM - 3:00 PM

Interview with Jean Eaglesham, WSJ --

(b) (6)

When: Monday, January 24, 2011 2:15 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 4:00 PM

Enforcement Hiring Meeting -- Room 523

When:Monday,January24,20113:00PM4:00PM(GMT05:00)EasternTime(US& Canada). Where:Room523 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

4:30 PM - 4:45 PM

Brief Intro Meeting -- 557

When:Monday,January24,20114:30PM4:45PM(GMT05:00)EasternTime(US& Canada). Where:557 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

Cordray, Richard (CFPB)

4/13/2011 11:02 AM

January 25, 2011 Tuesday


10:00 AM - 11:00 AM

Obtained via FOIA by Judicial Watch, Inc.


10:15 Mtg w Jen Howard re outstanding media requests

1:00 PM - 1:30 PM

Meeting w/ Richard Cordray & CFPB GC Team -- 520

When:Tuesday,January25,20111:00PM1:30PM(GMT05:00)EasternTime(US& Canada). Where:520 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM

Apptmt to Get Fed Govt Credential, 1800 F St NW, Rm G042

5:00 PM - 6:00 PM

Supervision/Enforcement Happy Hour -- Mackey's, 1823 L St NW

When: Tuesday, January 25, 2011 5:00 PM-6:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Mackey's, 1823 L St NW Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Peggy, the non-DI team, and I would like to invite all of you for a brief happy hour on Tuesday for the beginning of the 180 day countdown to our launch date. We have many new folks on board, so please join us downstairs.

January 26, 2011 Wednesday


9:30 AM - 10:30 AM Continued CFPB Feedback Session -- 503

When: Wednesday, January 26, 2011 9:30 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:30 AM - 11:00 AM

Introductory Meeting for David Forrest & Richard Cordray -- 577

When:Wednesday,January26,201110:30AM11:00AM(GMT05:00)EasternTime(US &Canada). Where:577 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments.


Cordray, Richard (CFPB) 8 4/13/2011 11:02 AM

January 26, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~* Thisisanattempttoreschedulethemeetingthatwascancelledthismorning. Thankyou! Meredith


11:00 AM - 11:30 AM Copy: Meeting w/Associate AG Tom Perrelli & Rich Cordray -- RFK Main Justice Bldg - Room 5706 (Entrance on Constitution Avenue, NW btw 9th & 10th)

Attendees: Thomas J. Perrelli - Associate Attorney General Brian Hauck - COS to the Associate Attorney General Rich Cordray - Enforcement Team (CFPB) POC: Currie Gunn (202) 514-9500

12:30 PM - 1:30 PM

Ohio Bankers League, Lunch Meeting -- Panache Restaurant, 1725 DeSales St (b/w L/M & 17th/Conn)

1:30 PM - 2:30 PM

Regional office management/staffing -- Steve's office

When: Wednesday, January 26, 2011 1:30 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Steve's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
That works for me. Steve, Rich?
3:30 PM - 4:00 PM Meeting w/ Lucy for Mortgage Servicing Briefing -- 557

When:Wednesday,January26,20113:30PM4:00PM(GMT05:00)EasternTime(US& Canada). Where:557 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Lucyisoutsicktoday,soImreschedulingthisfortomorrow.


4:00 PM - 4:30 PM Enforcement Staffing Levels -- 503

When: Wednesday, January 26, 2011 4:00 PM-4:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Rich, This is a follow-up to Nanis email on staffing levels. Please let us know if we
Cordray, Richard (CFPB) 9 4/13/2011 11:02 AM

January 26, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

should invite other members of your team (may need a bigger room). Additional info to follow.

January 27, 2011 Thursday


11:00 AM - 12:00 PM Policy Meeting -- 1801 L St. (Conference Room 503)

When: Thursday, January 27, 2011 11:00 AM-12:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Topic:MortgageServicing *Incaseofsnow*
(b) (6)

1:00 PM - 1:30 PM

Payroll Launch Coordination -- 503

When: Thursday, January 27, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM

Meeting w/ Richard Cordray re: Consumer Response -- 557

When:Thursday,January27,20113:00PM3:30PM(GMT05:00)EasternTime(US& Canada). Where:557 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Canwepushthisbacktoday?Theweatherdelayhasledtochangesinothermeetings. Thanks, Meredith


3:30 PM - 3:45 PM Invite Meeting

When: Thursday, January 27, 2011 3:30 PM-3:45 PM (UTC-05:00) Eastern Time (US & Canada). Note: The GMT offset above does not reflect daylight saving time adjustments.
Cordray, Richard (CFPB) 10 4/13/2011 11:02 AM

January 27, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~* Rescheduling,hopethisworks. Leandra

January 28, 2011 Friday


10:00 AM - 10:30 AM Speaking to Ohio AFL-CIO, Blackwell Conf Ctr

12:30 PM - 1:30 PM

Baby on Board! -- 503 (large conference room)

When: Friday, January 28, 2011 12:30 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 (large conference room) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Dear Colleagues, Please join the Research and Markets team for dessert and punch as we toast father-to-be
(b) (6)

As the first-time parents appear well-stocked for the immediate future, we thought a (no fee) gift card might be appropriate. I am happy to collect donations thru Wednesday, January 26, and purchase a group gift on our behalf. Thanks and hope to see you there! Alejandra (research) and Alice (fair lending)

When: Friday, January 28 at 12:30pm Where: 5th floor large conference room (503)

1:00 PM - 2:00 PM

Federal Interagency Foreclosure/Remedies Call

When: Friday, January 28, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Changed to Friday due to todays weather conditions.


Cordray, Richard (CFPB) 11 4/13/2011 11:02 AM

January 31, 2011 Monday


9:15 AM - 10:00 AM

Obtained via FOIA by Judicial Watch, Inc.


Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
10:00 AM - 10:30 AM Meeting w/ Richard Cordray & Kelly Cochran -- 557

When:Monday,January31,201110:00AM10:30AM(GMT05:00)EasternTime(US& Canada). Where:557 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* IthinkwellhavetomovethistoMondayforafacetofacemeeting,sinceRichis workingfromOhioonFridays.


11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:30 AM - 12:00 PM

Updated: Meeting for Rich Cordray and Len Kennedy -- 557?

12:00 PM - 1:00 PM

Enforcement Team Meeting -- 501

When:OccurseveryMondayeffective1/31/2011from12:00PMto1:00PM (GMT05:00)EasternTime(US&Canada). Where:501 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Sorry hadtochangelocation,butthisshouldworkgoingforward. Guys, WeregoingtotrytodothisasabrownbaglunchmeetingonMondays.


Cordray, Richard (CFPB) 12 4/13/2011 11:02 AM

January 31, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

Thanks! Meredith
1:00 PM - 1:30 PM

(b) (6)

Interview -- Group A: Richard Cordray's Office

When: Monday, January 31, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Group A: Richard Cordray's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Group A Rich Cordray Lucy Morris Richard Cordrays Office @ 1:00 Group B Alice Chris Ladd Alices Office @ 1:30

2:00 PM - 3:30 PM

Meeting with OTS Enforcement Staff -- OTS

When: Monday, January 31, 2011 2:00 PM-3:30 PM (GMT-05:00) Eastern Time (US & Canada). Where: OTS Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* This is to learn about the OTS enforcement structure, policies and procedures, and enforcement matters that might transfer to CFPB.

February 01, 2011 Tuesday


12:00 PM - 12:30 PM Chris Bruce, BNA Reporter (off the record) -- your office

When: Tuesday, February 01, 2011 12:00 PM-12:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: your office
Cordray, Richard (CFPB) 13 4/13/2011 11:02 AM

February 01, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

1:15 PM - 2:00 PM

Meeting with Kevin Blakely (Chief Risk Officer, Huntington Bank) -- 1801 L St. (548)

When: Tuesday, February 01, 2011 1:15 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (548) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Contact:BarbaraBenham
(b) (6)

1:30 PM - 1:45 PM

(b) (6)

interview -- Lucy's office

When: Tuesday, February 01, 2011 1:30 PM-1:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Lucy Joanna Lucys office @ 12:30 Alice Meredith Alices office @1:00pm Richard Cordray @ 1:30

3:00 PM - 3:30 PM

Adam Martinez

Cordray, Richard (CFPB)

14

4/13/2011 11:02 AM

February 01, 2011 Continued Tuesday


3:30 PM - 4:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Feedback on Outreach Plan -- 557

When:Tuesday,February01,20113:30PM4:00PM(GMT05:00)EasternTime(US& Canada). Where:557 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

4:00 PM - 4:20 PM

(b) (6)

interview -- Richard's office

When: Tuesday, February 01, 2011 4:00 PM-4:20 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Lucy Joanna Lucys office @ 3:00pm Alice Meredith Alices office @3:30pm Richard Cordray @ 4:00pm

5:00 PM - 6:00 PM

Mtg w Carter Dougherty of Bloomberg -- Au Bon Pain

6:00 PM - 7:00 PM

More Talk about Supervision/Enforcement Interface -- Steve or Peggy's office or wherever else you want

February 02, 2011 Wednesday


10:00 AM - 11:00 AM Prep for DOJ meeting -- TBD

When: Wednesday, February 02, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: TBD Note: The GMT offset above does not reflect daylight saving time adjustments.
Cordray, Richard (CFPB) 15 4/13/2011 11:02 AM

Obtained via FOIA by Judicial Watch, Inc.

Obtained via FOIA by Judicial Watch, Inc.

February 03, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.


(b) (5)

I thought it would be a good use of our time to sit down with you for 30 minutes and ask some questions about the your team and your goals in relation to IT. Please feel free to invite anyone on your team that you feel relevant to the conversation. This time was available according to the calendar, but if there is a better time or location please feel free to let me know. Looking forward to meeting you! Cheers, Theresa
TheresaR.Sena ConsumerFinancialProtectionBureauCFPB USTreasuryDepartment P:202.435.7074

3:15 PM - 3:45 PM

Meeting w/ Commissioner Julie Brill -- Room 326, 600 Pennsylvania Avenue, NW

When:Thursday,February03,20113:15PM3:45PM(GMT05:00)EasternTime(US& Canada). Where:Room326,600PennsylvaniaAvenue,NW Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

4:00 PM - 5:00 PM

Meeting w/ David Vladeck -- FTC

Thismeetinghasbeenconfirmed.
5:00 PM - 6:45 PM Website launch Happy Hour -- Mackey's (1823 L Street Northwest)

When: Thursday, February 03, 2011 5:00 PM-6:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: Mackey's (1823 L Street Northwest) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

February 04, 2011 Friday


1:15 PM - 1:45 PM

(b) (6)

interview -- Richard's office

Cordray, Richard (CFPB)

18

4/13/2011 11:02 AM

February 04, 2011 Continued Friday


1:30 PM - 2:30 PM

Obtained via FOIA by Judicial Watch, Inc.


Meeting with DoJ - Eric Halperin and Vicki Schultz -- 523

When: Friday, February 04, 2011 1:30 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Eric and Vicki are from the DoJ Civil Rights division and will speak with us about SCRA enforcement and military mortgage servicing issues. It would be good if Alice, Peggy, and Wally could stop by at the beginning or the end. Ive added Lucy so that she can have someone from the mortgage servicing team sit in on the whole meeting. Rich, if you have time, wed be glad to have you call in for the meeting. Hollys office is 202-435-7405. Thanks, Nick
3:00 PM - 4:30 PM Hiring Meeting -- 501 - Boomer-Sooner Conference Room

When:OccurseveryFridayeffective2/4/2011from3:00PMto4:30PM(GMT05:00) EasternTime(US&Canada). Where:501 BoomerSoonerConferenceRoom Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Justwantedtoaddournewfolkstothismeetingandupdateourlocation. Thanks!

February 07, 2011 Monday


8:00 AM - 8:30 AM Mtg w Mike Riley of Bloomberg

(b) (6)

-- Scratched

9:15 AM - 10:00 AM

Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
Cordray, Richard (CFPB) 19 4/13/2011 11:02 AM

February 07, 2011 Continued Monday


10:00 AM - 11:00 AM

Obtained via FOIA by Judicial Watch, Inc.


Rules of Practice -- Conf Rm 501

When: Monday, February 07, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Conf Rm 501 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

Enforcement Team Meeting -- 501

When:OccurseveryMondayeffective1/31/2011from12:00PMto1:00PM (GMT05:00)EasternTime(US&Canada). Where:501 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Sorry hadtochangelocation,butthisshouldworkgoingforward. Guys, WeregoingtotrytodothisasabrownbaglunchmeetingonMondays. Thanks! Meredith
1:00 PM - 2:00 PM Meeting w/ Julie Williams, Dan Stipano (Deputy Chief Counsel), and Rick Stearns (Director of Enforcement) -- OCC

When:Monday,February07,20111:00PM2:00PM(GMT05:00)EasternTime(US& Canada). Where:OCC Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Pleaseletmeknowifthistimeworksforyouassoonaspossiblesowecanconfirm. Also,pleaseletmeknowwhoelsetoincludefromourteam.


Cordray, Richard (CFPB) 20 4/13/2011 11:02 AM

February 07, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

Thanks!
2:30 PM - 3:00 PM Check In w/ Richard Cordray -- 1801 L St. (550)

When: Monday, February 07, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:00 PM - 6:00 PM

Workforce Planning -- 7003

When: Monday, February 07, 2011 4:00 PM-6:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

February 08, 2011 Tuesday


8:00 AM - 8:30 AM

10:00 AM - 10:30 AM

Adam

10:30 AM - 1:00 PM

Interagency Foreclosure Meeting (11:00) -- DOJ

When: Tuesday, February 08, 2011 10:30 AM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: DOJ Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Lets plan to leave at 10:30 to give ourselves plenty of time to get through security.
2:00 PM - 3:00 PM New Employee Ethics Briefing -- 4125 MT (Media Room B)

When: Tuesday, February 08, 2011 2:00 PM-3:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: 4125 MT (Media Room B)
Cordray, Richard (CFPB) 21 4/13/2011 11:02 AM

February 08, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* As part of your Schedule C, SES, or other Treasury appointment, you are required by regulations to receive this new employee ethics briefing for public financial disclosure filers. We will discuss the regulations, criminal statutes, and other obligations that apply to you as a Treasury employee.

3:00 PM - 3:15 PM

Rich Cordray re: EM -- Rich's Office

When: Tuesday, February 08, 2011 3:00 PM-3:15 PM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Rich, This shouldnt take more than 15 minutes. Thanks so much for the time. RG
3:30 PM - 4:00 PM Interview with

(b) (6)

-- Rich's Office

4:15 PM - 4:45 PM

Enforcement Hiring Process -- 566

When: Tuesday, February 08, 2011 4:15 PM-4:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: 566 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

5:00 PM - 6:00 PM

Consumer Response Meeting -- 503

When: Tuesday, February 08, 2011 5:00 PM-6:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Cordray, Richard (CFPB) 22 4/13/2011 11:02 AM

February 08, 2011 Continued Tuesday


All,

Obtained via FOIA by Judicial Watch, Inc.

Wally would like either Deputies or their Deputy Assistants to attend this meeting. If you need further assistance please feel free to contact me. Thanks you, Anya
5:30 PM - 6:30 PM

(b) (6)

Dinner 5:45 -- TBD

February 09, 2011 Wednesday


10:00 AM - 10:30 AM Hill visits -- Rich's office

When: Wednesday, February 09, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 1:00 PM

GovTrip Training -- 503

When: Wednesday, February 09, 2011 11:00 AM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Greetings, There will be two, optional but highly recommended, trainings on how to use GovTrip. Youll only need to attend one training Brandace

1:00 PM - 1:45 PM

Supervision Program Briefing -- Room 503

When: Wednesday, February 09, 2011 1:00 PM-1:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: Room 503 Note: The GMT offset above does not reflect daylight saving time adjustments.
Cordray, Richard (CFPB) 23 4/13/2011 11:02 AM

February 09, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*
Please join us to review and discuss the current thinking on the supervision program
(b) (5)

3:30 PM - 4:00 PM

FDIC Briefing -- 557

When:Wednesday,February09,20113:30PM4:00PM(GMT05:00)EasternTime(US& Canada). Where:557 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Gary,thankyouforofferingtogiveRichsomebackgroundontheFDICpriortohis meetingwiththemtomorrow!


4:00 PM - 6:00 PM FW: Policy Meeting -- 1801 L St. (Conference Room 503)

When: Wednesday, February 09, 2011 4:00 PM-6:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Geldon, Daniel (CFPB) On Behalf Of Warren, Elizabeth (CFPB) Sent: Sunday, December 05, 2010 1:29 PM To: Antonakes, Steve (CFPB); Burniston, Tim (CFPB); Morris, Lucy (CFPB); Hrdy, Alice (CFPB); Twohig, Peggy (CFPB); Coloretti, Nani (CFPB); Silberman, David (CFPB); Cochran, Kelly (CFPB); Vale, Elizabeth (CFPB); Jackson, Peter (CFPB); Date, Rajeev (CFPB); Geldon, Daniel (CFPB); Adeyemo, Adewale (Wally) (CFPB); Canfield, Anna (CFPB); McCoy, Patricia (CFPB); Cordray, Richard (CFPB) Cc: Sokolov, Dan; Sartaj Alag; Riley, Jeff (CFPB) Subject: Policy Meeting When: Wednesday, February 09, 2011 4:00 PM-6:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Topic: IT

Cordray, Richard (CFPB)

24

4/13/2011 11:02 AM

February 10, 2011 Thursday


8:30 AM - 9:00 AM

Obtained via FOIA by Judicial Watch, Inc.


Mortgage Servicing Update -- 1801 L St. (550)

When: Thursday, February 10, 2011 8:30 AM-9:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

9:00 AM - 10:00 AM

Workforce Planning -- 7003

When: Thursday, February 10, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:00 AM - 10:20 AM

(b) (6)

phone interview

(b) (6)

-- Richard' s office

When: Thursday, February 10, 2011 10:00 AM-10:20 AM (UTC-05:00) Eastern Time (US & Canada). Where: Richard' s office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Ori Lucy Lucys office @9:00 Alice Meredith Alices office @9:30 Richard Richards office @ 10:00

10:30 AM - 11:00 AM

Call with NYAG Eric Schneiderman

(b) (6)

11:30 AM - 12:30 PM

FW: CFPB Enforcement Division meeting -- MB-3028

-----Original Appointment----From: CMiddlebrook@FDIC.gov [mailto:CMiddlebrook@FDIC.gov] On Behalf Of Krimminger, Michael H.


Cordray, Richard (CFPB) 25 4/13/2011 11:02 AM

February 10, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.


Sent: Thursday, February 03, 2011 9:17 AM To: Krimminger, Michael H.; McInerney, Roberta K.; Osborn, Meredith (CFPB) Cc: Morris, Lucy (CFPB) Subject: Updated: CFPB Enforcement Division meeting When: Thursday, February 10, 2011 11:30 AM-12:30 PM (GMT-05:00) Eastern Time (US & Canada). Where: MB-3028

------------------------------------------------------------------------This message was secured by ZixCorp(R).

1:30 PM - 2:00 PM

Meeting with Sartaj -- 557

When: Thursday, February 10, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 557 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

2:00 PM - 2:30 PM

(b) (6)

interview -- Richard's office

When: Thursday, February 10, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Lucy Ori Lucys office @ 1:00pm Alice Meredith Alices office @ 1:30pm Richard Richards office @ 2:00pm
Cordray, Richard (CFPB) 26 4/13/2011 11:02 AM

February 10, 2011 Continued Thursday


3:30 PM - 5:30 PM

Obtained via FOIA by Judicial Watch, Inc.


LAUNCH EMPLOYEE INFORMATION SESSION -- 7003

When: Thursday, February 10, 2011 3:30 PM-5:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Colleagues: Were on track for implementing CFPBs interim pay and benefits program on February 13 (the start of pay period 4). Professor Warren will be hosting an All Hands meeting on Thursday, February 10, from 3:30 to 4:30 to provide you with detailed information regarding what this change means for CFPB employees. For those colleagues who will be detailed to CFPB, this is a great opportunity for us to mark another milestone in our collective efforts to build this agency. I ask that you take the time to attend. *** Reminder this ALL HANDS is intended for all employees/detailed employees. There will be an opportunity to take a photo with Professor Warren at this event.
5:30 PM - 6:30 PM

Cordray, Richard (CFPB)

27

4/13/2011 11:02 AM

February 10, 2011 Continued Thursday


5:30 PM - 6:15 PM

Obtained via FOIA by Judicial Watch, Inc.

Cordray, Richard (CFPB)

28

4/13/2011 11:02 AM

February 11, 2011 Friday


3:00 PM - 4:30 PM

Obtained via FOIA by Judicial Watch, Inc.


Hiring Meeting -- 501 - Boomer-Sooner Conference Room

When:OccurseveryFridayeffective2/4/2011from3:00PMto4:30PM(GMT05:00) EasternTime(US&Canada). Where:501 BoomerSoonerConferenceRoom Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Justwantedtoaddournewfolkstothismeetingandupdateourlocation. Thanks!

February 14, 2011 Monday


9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

Enforcement Team Meeting -- 501

When:OccurseveryMondayeffective1/31/2011from12:00PMto1:00PM (GMT05:00)EasternTime(US&Canada). Where:501 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Sorry hadtochangelocation,butthisshouldworkgoingforward. Guys, WeregoingtotrytodothisasabrownbaglunchmeetingonMondays.


Cordray, Richard (CFPB) 29 4/13/2011 11:02 AM

February 14, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

Thanks! Meredith
12:30 PM - 12:45 PM

(b) (6)

interview -- Richard's office

When: Monday, February 14, 2011 12:30 PM-12:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Lucy Joanna Lucys office @ 11:30 Alice Meredith Alices office @12:00 Richard Cordray @ 12:30

1:30 PM - 2:00 PM

(b) (6)

interview -- Richard's office

When: Monday, February 14, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Lucys office @ 1:00pm Richards office @ 1:30pm
(b) (6)

2:00 PM - 2:15 PM

Meet & Greet with New Hire (Victor Prince) - Richard Cordray -- Richard's Office - 557

When: Monday, February 14, 2011 2:00 PM-2:15 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's Office - 557
Cordray, Richard (CFPB) 30 4/13/2011 11:02 AM

February 14, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Victor just started as Deputy COO and would like to briefly introduce himself, meet you, and learn about your team.

3:00 PM - 3:30 PM

Call with Richard Cordray re: NY AG

When: Monday, February 14, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
EWwillcallyourcellphone
4:00 PM - 5:00 PM FW: Fw: FORECLOSURE PROCESSING PRINCIPALS MEETING -- Departmental Conference Room; HUD

When: Monday, February 14, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Departmental Conference Room; HUD Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* This was forwarded to me by HUDs GC, Helen Kanovsky. She says an invitation previously went to CFPB, although I dont see us listed below. In any event, she said that CFPB is invited and that we can bring a Principal + 1. We will need to RSVP with whatever information is needed to clear security. As we discussed, Professor Warren and Raj are in New York on Monday. -----Original Appointment----(b) (6) From: Donovan, Shaun [mailto Sent: Thursday, February 10, 2011 4:56 PM To: Morris, Lucy (CFPB); Donovan, Shaun Subject: Fw: FORECLOSURE PROCESSING PRINCIPALS MEETING When: Monday, February 14, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Departmental Conference Room; HUD Attendees: HUD: Secretary Donovan Helen Kanovsky Melanie Roussell FHA: FHFA:
Cordray, Richard (CFPB)

David Stevens Vicki Bott Demarco Alfred Pollard


31 4/13/2011 11:02 AM

February 14, 2011 Continued Monday


Fed:

Obtained via FOIA by Judicial Watch, Inc.


TBD- Ben Bernanke William Lang TBD- Sheila Bair Mark Pearce TBD- John Bowman Grovetta Gardineer, Managing Director, Corporate and International Thomas Perrelli TBD- John Walsh Joseph Evers TBD- Mary Schapiro Meredith Cross, Director, Division of Corporate Finance TBD- Leibowitz David Vladeck, Director, Bureau of Consumer Protection

FDIC: OTS: Activities DOJ: OCC: SEC: FTC:

Contact: Julie Herr Phone: 202-622-3101 Email: Julie.Herr@do.treas.gov<mailto:Julie.Herr@do.treas.gov> Attendees: HUD: Secretary Donovan Helen Kanovsky Melanie Roussell FHA: FHFA: Fed: FDIC: OTS: Activities DOJ: OCC: SEC: FTC: Thomas Perrelli TBD- John Walsh Joseph Evers TBD- Mary Schapiro Meredith Cross, Director, Division of Corporate Finance TBD- Leibowitz David Vladeck, Director, Bureau of Consumer Protection Julie Herr
32 4/13/2011 11:02 AM

David Stevens Vicki Bott Demarco Alfred Pollard TBD- Ben Bernanke William Lang TBD- Sheila Bair Mark Pearce TBD- John Bowman Grovetta Gardineer, Managing Director, Corporate and International

Contact:
Cordray, Richard (CFPB)

February 14, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.


Phone: Email: 202-622-3101 Julie.Herr@do.treas.gov<mailto:Julie.Herr@do.treas.gov>

February 15, 2011 Tuesday


11:00 AM - 11:30 AM Conference call on mod data and potential dollar/loan volume estimate --

(b) (6)

When: Tuesday, February 15, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
I know this does not work for everyone, but I think it still makes sense to have the discussion with as many of us as can join. Don
(b) (6)

1:00 PM - 1:30 PM

Call with Eric Schneiderman

2:00 PM - 3:00 PM

Call with Iowa AG's office, perhaps others also -- Prof. Warren's Office

4:30 PM - 5:00 PM

Follow Up on Modification Analytics -- Dial-In:

(b) (6)

When:Tuesday,February15,20114:30PM5:00PM(GMT05:00)EasternTime(US& Canada). (b) (6) Where:DialIn Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*


(b) (6)

5:30 PM - 6:00 PM

Debrief meeting? -- 529

When: Tuesday, February 15, 2011 5:30 PM-6:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 529 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Cordray, Richard (CFPB) 33 4/13/2011 11:02 AM

February 15, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

Noon wont work for Pat. Should we try 5:30 to prep for the meeting with EW? Thanks

February 16, 2011 Wednesday


9:15 AM - 9:30 AM Meeting with Rich Cordray -- 1801 L St. (550)

When: Wednesday, February 16, 2011 9:15 AM-9:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:00 AM - 11:00 AM

Consumer response product and issue coding meeting -- Conference room 523

When: Wednesday, February 16, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Conference room 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:15 AM - 11:45 AM

Mortgage Servicing Strategy -- 1801 L St. (550)

When: Wednesday, February 16, 2011 11:15 AM-11:45 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:45 AM - 12:30 PM

CFPB Independent Litigation Authority -- Room 523

When: Wednesday, February 16, 2011 11:45 AM-12:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Room 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
As you likely know, CFPB has extraordinarily broad independent litigation authority under Section 1054, as well as a requirement to negotiate an MOU with DOJ concerning litigation. There are many considerations and issues we would like to discuss. I am not
Cordray, Richard (CFPB) 34 4/13/2011 11:02 AM

February 16, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

sure I have captured the correct people from the enforcement group, so please invite whomever is needed.
2:30 PM - 3:00 PM Gathering Ideas for a Process for Rulemaking -- 557

When: Wednesday, February 16, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 557 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
MessagefromDanSokolov:Iwasaskedtohelpfleshoutpotentialprocessesfor rulemaking. Idliketostartbygatheringinputfromawidearrayoffunctions. Ihopeyou willsitdownwithmefor30minutestoshareyourthoughts. Or,ifyouprefer,please helpmeidentifysomeoneelseinyourfunctionwithwhomIshouldmeet.

3:30 PM - 4:30 PM

Meet: Non-DI/Enforcement -- 523

When: Wednesday, February 16, 2011 3:30 PM-4:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

5:30 PM - 6:00 PM

Tracy Heard

(b) (6)

Mayflower Hotel Lobby

February 17, 2011 Thursday


9:30 AM - 10:30 AM Military Legal Services & Relief Organizations Meeting -- Full Disclosure Conference 503

When: Thursday, February 17, 2011 9:30 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Full Disclosure Conference 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Cordray, Richard (CFPB) 35 4/13/2011 11:02 AM

Obtained via FOIA by Judicial Watch, Inc.

February 17, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*

February 18, 2011 Friday


9:00 AM - 11:00 AM Hiring Meeting -- 501 - Boomer-Sooner Conference Room

When: Friday, February 18, 2011 9:00 AM-11:00 AM (GMT-05:00) Eastern Time (US & Canada). Where: 523 - Accountability Conference Room Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* I think this works for everyone, though I know its on the early side for you, Rich. Meredith
2:00 PM - 2:30 PM Conference call on mod data and potential dollar/loan volume estimate --

(b) (6)

(b) (6)

When:Friday,February18,20112:00PM2:30PM(GMT05:00)EasternTime(US& Canada). (b) (6) Where: Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*


(b) (6)

February 21, 2011 Monday


9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in #
Cordray, Richard (CFPB) 37 4/13/2011 11:02 AM

February 21, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

Enforcement Team Meeting -- 501

When:OccurseveryMondayeffective1/31/2011from12:00PMto1:00PM (GMT05:00)EasternTime(US&Canada). Where:501 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Sorry hadtochangelocation,butthisshouldworkgoingforward. Guys, WeregoingtotrytodothisasabrownbaglunchmeetingonMondays. Thanks! Meredith
5:00 PM - 5:30 PM Check In w/ Richard Cordray and Elizabeth Warren -- 1801 L St. (550)

When: Occurs every 2 weeks on Monday effective 1/24/2011 from 5:00 PM to 5:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

February 22, 2011 Tuesday


9:00 AM - 9:30 AM Pick Up ID Card, 1500 Pa Ave NW Rm 1015

11:00 AM - 12:00 PM

Call on Loan Modifications -- Dial-in Number:

(b) (6)

When:Tuesday,February22,201111:00AM12:00PM(GMT05:00)EasternTime(US& Canada). (b) (6) Where:DialinNumber: Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*


(b) (6)
Cordray, Richard (CFPB) 38 4/13/2011 11:02 AM

February 22, 2011 Continued Tuesday


1:00 PM - 2:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Meet and Greet with Mr. Khuzami and Lorin Reisner (SEC Contacts) -- 100 Fst NE Washington, DC

When: Tuesday, February 22, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 100 Fst NE Washington, DC Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

2:30 PM - 3:30 PM

Mtg with Ind AG Zoeller, Mayflower Hotel Lobby

February 23, 2011 Wednesday


10:30 AM - 4:00 PM HOLD: HUD Meet-and-Greets -- Full Disclosure 503

When: Wednesday, February 23, 2011 10:30 AM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Full Disclosure 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:15 AM - 11:30 AM

NFHA Meet & Greet -- Room 7004

When: Wednesday, February 23, 2011 11:15 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Room 7004 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Please stop be room 7004 to say hi to staff of the National Fair Housing Alliance (NFHA).
(b) (5)

2:00 PM - 2:30 PM

Market Ressarch Kick Off Meeting with PwC resource-Everett Vance -- 1st floor conference room (Sunlight)

When: Wednesday, February 23, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1st floor conference room (Sunlight)
Cordray, Richard (CFPB) 39 4/13/2011 11:02 AM

February 23, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Hello, I am please to introduce you to Everett Vance, a market research specialist that will be engaged for approx. 3 weeks to help the enforcement and OGC have a good snapshot into the market. Everett will be ready to go beginning this Wednesday. Please do let me know if this time works for the rest (or most), I am happy to accommodate all calendars as best as I can. Please feel free to forward this invite if I have left someone off. Thanks! Theresa
TheresaR.Sena ConsumerFinancialProtectionBureauCFPB USTreasuryDepartment P:202.435.7074 (b) (6)

4:00 PM - 4:45 PM

Weekly Meeting - Cordray - Kennedy -- Len's Office

When: Occurs every Wednesday effective 2/23/2011 from 4:00 PM to 4:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: Len's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

February 24, 2011 Thursday


9:15 AM - 10:00 AM HUD Candidates -- Rich's Office

When: Thursday, February 24, 2011 9:15 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Cordray, Richard (CFPB) 40 4/13/2011 11:02 AM

February 24, 2011 Continued Thursday


10:00 AM - 10:30 AM

Obtained via FOIA by Judicial Watch, Inc.


(b) (6)
Interview -- Group A: Richard's Office @ 10:00 A.M.

When: Thursday, February 24, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Group A: Richard's Office @ 10:00 A.M. Note: The GMT offset above does not reflect daylight saving time adjustments.
(b) (6)

Group A Richard Peggy Richards Office @ 10:00 A.M. Group B Alice Jeffrey Alices Office @ 10:30 A.M.

12:00 PM - 1:00 PM

CFPB Lunch & Learn: Office of the Financial Officer -- Conference Room 503

When:Thursday,February24,201112:00PM1:00PM(UTC05:00)EasternTime(US& Canada). Where:ConferenceRoom503 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

You are Invited to a CFPB Lunch & Learn! Topic: Budget/Financial Management: An In-Depth
Look at the CFPB Budget
Date: Thursday, February 24, 2011 Time: 12:00 pm - 1:00 pm Place: Room 503 1801 L St. Facilitator: Eli Erickson

Cordray, Richard (CFPB)

41

4/13/2011 11:02 AM

February 24, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.


Purpose: Did you know our budget is now posted on our website? http://www.consumerfinance.gov/2011/02/14/the-cfpbs-budget/ Do you know what we are spending and where we get our money from? Eli Erickson will walk you through everything you need to know in the world of CFPB finances.

1:00 PM - 2:00 PM

Meeting on Staffing -- 7004

When: Thursday, February 24, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 7004 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

7:30 PM - 8:00 PM

Prep for Meeting with Secretary Geithner -- Conference Call

When: Thursday, February 24, 2011 7:30 PM-8:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Conference Call Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

February 25, 2011 Friday


10:00 AM - 10:30 AM Meeting with Staff -- Secretary's Small Conference Room

When:Friday,February25,201110:00AM10:30AM(UTC05:00)EasternTime(US& Canada). Where:Secretary'sSmallConferenceRoom Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

TOPIC:TheSettlement
Goldstein Caldwell Graves
Cordray, Richard (CFPB) 42 4/13/2011 11:02 AM

February 25, 2011 Continued Friday

Obtained via FOIA by Judicial Watch, Inc.

ElizabethWarren RichardCordray RajDate PatMcCoy LucyMorris EthanBernstein

4:00 PM - 5:00 PM

Call with State Attorneys General re: Foreclosure Settlement

When: Friday, February 25, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

February 28, 2011 Monday


9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

Enforcement Team Meeting -- 501

When:OccurseveryMondayeffective1/31/2011from12:00PMto1:00PM (GMT05:00)EasternTime(US&Canada). Where:501 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments.


Cordray, Richard (CFPB) 43 4/13/2011 11:02 AM

February 28, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~* Sorry hadtochangelocation,butthisshouldworkgoingforward. Guys, WeregoingtotrytodothisasabrownbaglunchmeetingonMondays. Thanks! Meredith


1:00 PM - 1:30 PM

(b) (6)

phone interview

(b) (6)

-- Richard's office

When: Monday, February 28, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Ori Lucy Lucys office @ 12:30pm Richard Richards office @ 1:00pm

2:30 PM - 3:00 PM

(b) (6)

interview -- Richard's office

When: Monday, February 28, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office@ 1:30 Meredith Alice Alices office@2:00 Richard
Cordray, Richard (CFPB) 44 4/13/2011 11:02 AM

February 28, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

Richards office @ 2:30

3:00 PM - 4:00 PM

Hiring Meeting -- 503

When: Monday, February 28, 2011 3:00 PM-4:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We are meeting in 503.

March 01, 2011 Tuesday


9:00 AM - 9:30 AM

(b) (6)

Interview (Fair Lending) -- Group C: Rich's Office 557

When: Tuesday, March 01, 2011 9:00 AM-9:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Group C: Rich's Office 557 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Group C Rich Peggy Richs Office 557 Group B Len Steve Lens Office 521 Group A: Wally Raj Wallys Office 540

Cordray, Richard (CFPB)

45

4/13/2011 11:02 AM

March 01, 2011 Continued Tuesday


10:00 AM - 10:30 AM

Obtained via FOIA by Judicial Watch, Inc.


(b) (6)
Interview (Fair Lending) -- Group A: Raj's Office 548

When: Tuesday, March 01, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Group A: Raj's Office 548 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Group A Raj Rich Rajs Office 548 Group B Wally Len Wallys Office 540 Group C Peggy Steve Peggys Office 563

10:30 AM - 11:00 AM

Market Research Planning Discussion - Enforcement and OGC -- Rm 523

When: Tuesday, March 01, 2011 10:30 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Rm 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

Cordray, Richard (CFPB)

46

4/13/2011 11:02 AM

March 01, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

Thanks, Joanna

11:00 AM - 12:00 PM

Meeting w/ Scott Alvarez and Richard Ashton -- Federal Reserve

When:Tuesday,March01,201111:00AM12:00PM(GMT05:00)EasternTime(US& Canada). Where:FederalReserve Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Thisisourrescheduledappointment.Noneedtoresendyourinformationtomefor accesstotheFedBuilding. Thankyou!


12:30 PM - 1:00 PM Cupcakes for Peggy's birthday -- 523

When: Tuesday, March 01, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We hope you can stop by 523 briefly tomorrow to help us celebrate Peggys birthday belatedly. Well have cupcakes from Firehook.
1:00 PM - 1:30 PM PD's Discussion -- Richard's office

When: Tuesday, March 01, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

1:30 PM - 2:00 PM

Ops Plan Development -- Rich's Office

When: Tuesday, March 01, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Cordray, Richard (CFPB) 47 4/13/2011 11:02 AM

March 01, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

(b) (5)

2:00 PM - 3:00 PM

Setting Enforcement Priorities -- 501

When: Tuesday, March 01, 2011 2:00 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

Cordray, Richard (CFPB)

48

4/13/2011 11:02 AM

March 01, 2011 Continued Tuesday


3:00 PM - 4:00 PM

Obtained via FOIA by Judicial Watch, Inc.


"Americans for Financial Reform" -- Conference room 7004

When: Tuesday, March 01, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Conference room 7004 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:00 PM - 4:30 PM

Prep for Rich's 3/2 Hill visits -- Rich's office

When: Tuesday, March 01, 2011 4:00 PM-4:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:30 PM - 5:00 PM

Weekly Invitation/Outreach Meeting

When: Occurs every Tuesday effective 3/1/2011 from 4:30 PM to 5:00 PM (UTC-05:00) Eastern Time (US & Canada). Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Goodmorningall Iwantedtoinstituteaweeklymeetingtotouchbaseoninvitationsandupcomingevents forRich thoughtthiswouldhelpmakesurethatweaddresseverythingthatcomesin. Letmeknowifthistimedoesntworkforfolks, Leandra
6:00 PM - 7:00 PM Dinner w

(b) (6)

TBD

March 02, 2011 Wednesday


9:00 AM - 1:00 PM RC Hill Meetings

10:00 AM - 11:00 AM

Mtg w Sherrod Brown, Hart S.O.B. Rm 713

Cordray, Richard (CFPB)

49

4/13/2011 11:02 AM

March 02, 2011 Continued Wednesday


6:30 PM - 7:30 PM

Obtained via FOIA by Judicial Watch, Inc.


Dinner -

(b) (6)

-- Washington Circle - Restaurant to be Confirmed

When: Wednesday, March 02, 2011 6:30 PM-7:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Washington Circle - Restaurant to be Confirmed Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

March 03, 2011 Thursday


8:00 AM - 9:30 AM Speaking to Ohio Bankers League Delegation (40 CEOs and senior level managers, per Jeff Quayle, (b) (6) -- L'Enfant Plaza Hotel, 480 L'Enfant Plaza S.W.

11:00 AM - 11:30 AM

Rich Cordray interview with Brady Dennis, WaPo (tentative time) -- in your office

When: Thursday, March 03, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: in your office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:30 PM

American U Law Review Symposium -- Lunch Keynote Speaker re Consumer Bureau -- American University Law School, 4801 Mass Ave, Rm 603

Leslie Meredith, Editor in Chief of Law Review,


2:00 PM - 2:30 PM NAAG MOU -- Joanna and Meredith's Tearoom

(b) (6)

When:Thursday,March03,20112:00PM2:30PM(GMT05:00)EasternTime(US& Canada). Where:JoannaandMeredith'sTearoom Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* WellbemeetingoutsideofMeredithandJoannascubiclesduetotheconferencerooms beingbooked.


(b) (5)

Cordray, Richard (CFPB)

50

4/13/2011 11:02 AM

March 03, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.

Thanks! Meredith
3:30 PM - 4:00 PM

(b) (6)

interview -- Richard's office

When: Thursday, March 03, 2011 3:30 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Lucy Ori Lucys office @ 2:30 Alice Meredith Alices office @ 3:00 Richard Richards office @ 3:30

March 04, 2011 Friday


9:00 AM - 11:00 AM Authorities Framework Meeting -- Room 503

When: Friday, March 04, 2011 9:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Room 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

Cordray, Richard (CFPB)

51

4/13/2011 11:02 AM

March 04, 2011 Continued Friday

Obtained via FOIA by Judicial Watch, Inc.

(b) (5)

12:30 PM - 1:00 PM

Mortgage Servicing and Office of Servicemember Affairs -- 1801 L St. (550)

When: Friday, March 04, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 4:30 PM

Hiring Meeting -- 501 - Boomer-Sooner Conference Room

When:OccurseveryFridayeffective2/4/2011from3:00PMto4:30PM(GMT05:00) EasternTime(US&Canada). Where:501 BoomerSoonerConferenceRoom Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Justwantedtoaddournewfolkstothismeetingandupdateourlocation. Thanks!

March 07, 2011 Monday


9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 7003

When: Monday, March 07, 2011 9:15 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.

Cordray, Richard (CFPB)

52

4/13/2011 11:02 AM

March 07, 2011 Continued Monday


10:00 AM - 11:00 AM

Obtained via FOIA by Judicial Watch, Inc.


Meeting with Raj Date, Len Kennedy, Nani Coloretti, Rich Cordray, Peggy Twohig, Steve Antonakes, Sartaj Alag, Wally Adeyemo, Anna Canfield, and Dan Geldon -- 1801 L St. (Conference Room 503)

When: Occurs every Monday effective 3/7/2011 from 10:00 AM to 11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

Enforcement Team Meeting -- 501

When:OccurseveryMondayeffective1/31/2011from12:00PMto1:00PM (GMT05:00)EasternTime(US&Canada). Where:501 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Sorry hadtochangelocation,butthisshouldworkgoingforward. Guys, WeregoingtotrytodothisasabrownbaglunchmeetingonMondays. Thanks! Meredith
12:30 PM - 1:00 PM

(b) (6)

interview -- Rich's office

When: Monday, March 07, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Cordray, Richard (CFPB)

March 07, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

Ori Lucy Lucys office @ 11:30 Alice Meredith Alices office @ 12:00 Rich Richs office @ 12:30

1:30 PM - 2:00 PM

(b) (6)

Interview (Fair Lending) -- Group A: Raj's Office 548

When: Monday, March 07, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Group A: Raj's Office 548 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Group A Raj Rich Rajs Office 548 Group B Wally Meredith Wallys Office 540 Group C Peggy Steve Peggys Office 563
2:00 PM - 2:30 PM

(b) (6)

-- Richard's office

When: Monday, March 07, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments.
Cordray, Richard (CFPB) 54 4/13/2011 11:02 AM

March 07, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office@1:00pm Joanna Alice Alices office @ 1:30 Richard Richards office@ 2:00

2:30 PM - 3:00 PM

(b) (6)

Interview (Fair Lending) -- Group A: Len Kennedy's Office 521

When: Monday, March 07, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Group A: Len Kennedy's Office 521 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Group A: Len Rich Lens Office 521 @ 2:30 Group B: Wally Peggy Wallys Office 540 @ 3:00 Group C Raj Steve
Cordray, Richard (CFPB) 55 4/13/2011 11:02 AM

March 07, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

Rajs Office 548 @ 3:30


2:45 PM - 3:45 PM Meeting with New York Attorney General Eric Schneiderman and California Attorney General Kamala Harris -- 1801 L St. (550)

When: Monday, March 07, 2011 2:45 PM-3:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:30 PM - 4:00 PM

(b) (6)

phone interview

(b) (6)

-- Richard's office

When: Monday, March 07, 2011 3:30 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office @ 2:30pm Joanna Alice Alices office @ 3:00 Richards office @ 3:30

4:00 PM - 4:30 PM

Team Strategy Meeting -- 501

When: Monday, March 07, 2011 4:00 PM-4:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

Cordray, Richard (CFPB)

56

4/13/2011 11:02 AM

March 07, 2011 Continued Monday


5:00 PM - 5:30 PM

Obtained via FOIA by Judicial Watch, Inc.


FW: Enforcement Workforce Planning Meeting -- 1801 L St. (550)

When: Monday, March 07, 2011 5:00 PM-5:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Martin, Alyssa (CFPB) On Behalf Of Warren, Elizabeth (CFPB) Sent: Friday, January 21, 2011 5:13 PM To: Cordray, Richard (CFPB); Adeyemo, Adewale (Wally) (CFPB) Cc: Morris, Lucy (CFPB); Lev, Ori (CFPB); Pearl, Joanna (CFPB); Osborn, Meredith (CFPB); Healey, Jean (CFPB) Subject: Enforcement Workforce Planning Meeting When: Monday, March 07, 2011 5:00 PM-5:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550)

March 08, 2011 Tuesday


9:00 AM - 10:00 AM NAAG Spring Meeting -- Fairmont Hotel, Washington, DC

When:Tuesday,March08,20119:00AM10:00AM(GMT05:00)EasternTime(US& Canada). Where:FairmontHotel,Washington,DC Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*


(b) (5)

12:00 PM - 12:30 PM

(b) (6)

interview -- Richard's office

When: Tuesday, March 08, 2011 12:00 PM-12:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Cordray, Richard (CFPB) 57 4/13/2011 11:02 AM

March 08, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.


(b) (6)

Ori Lucy Lucys office @11:00 Meredith Alice Alices office @ 11:30 Richard Richards office @12:00
1:00 PM - 1:30 PM Chat with Ori -- Rich's Office

When: Tuesday, March 08, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Is this a good time to touch base?
1:30 PM - 2:30 PM Meeting w Assn of Mortgage Investors -- 1801 L NW, Room 501

Per Chris Katopis, the contact on their end, to provide perspective on mortgage servicing issues, 327-8100
1:30 PM - 2:00 PM FW:

(b) (6)

Interview (Fair Lending) -- Group A: Wally's Office 540

When: Tuesday, March 08, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Group A: Wally's Office 540 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
At 2:30pm, (b) (6) will be in Rajs office (548) and you may join that interview session.
-----Original Appointment----From: Williams, Anya (CFPB) Sent: Monday, February 28, 2011 9:13 AM To: Williams, Anya (CFPB); Cordray, Richard (CFPB); Adeyemo, Adewale (Wally) (CFPB) (b) (6) Subject: Interview (Fair Lending) When: Tuesday, March 08, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Group A: Wally's Office 540
Cordray, Richard (CFPB) 58 4/13/2011 11:02 AM

Obtained via FOIA by Judicial Watch, Inc.

March 08, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

Meredith Conference room 501 @2:30 Richard C Jean Healey Richards office@ 3:00 Peggy Twohig @ 3:30 Conference room 7001

4:30 PM - 5:00 PM

Weekly Invitation/Outreach Meeting

When: Occurs every Tuesday effective 3/1/2011 from 4:30 PM to 5:00 PM (UTC-05:00) Eastern Time (US & Canada). Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Goodmorningall Iwantedtoinstituteaweeklymeetingtotouchbaseoninvitationsandupcomingevents forRich thoughtthiswouldhelpmakesurethatweaddresseverythingthatcomesin. Letmeknowifthistimedoesntworkforfolks, Leandra
5:30 PM - 7:00 PM NAAG Sup Ct Reception -- US Supreme Court Bldg, Maryland Avenue entrance

March 09, 2011 Wednesday


8:30 AM - 9:30 AM NAAG Chief Deputies/Staff Breakfast -- Fairmont Hotel

When:Wednesday,March09,20118:30AM9:30AM(GMT05:00)EasternTime(US& Canada). Where:FairmontHotel Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*


(b) (5)

Cordray, Richard (CFPB)

60

4/13/2011 11:02 AM

March 09, 2011 Continued Wednesday


10:00 AM - 11:00 AM

Obtained via FOIA by Judicial Watch, Inc.


FW: Handling Confidential MOU Information -- Full Disclosure

When: Wednesday, March 09, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Full Disclosure Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Breslaw, April (CFPB) Sent: Monday, March 07, 2011 5:25 PM To: Lombardo, Christopher; Antonellis, Sherry (CFPB); Geary, John (CFPB); Twohig, Peggy (CFPB); Chow, Edwin (CFPB); Hrdy, Alice (CFPB); Morris, Lucy (CFPB); Rexroth, Mariana (CFPB); Vanderslice, Julie (CFPB); Young, Christopher Cc: Antonakes, Steve (CFPB); Burniston, Tim (CFPB); Osborn, Meredith (CFPB); Fuchs, Meredith (CFPB); Lepley, Richard (CFPB); Coleman, John (CFPB); Krafft, Nicholas (CFPB); Chopra, Rohit (CFPB); Marshall, Mira (CFPB); Sterken, Nathan (CFPB) Subject: Handling Confidential MOU Information When: Wednesday, March 09, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Full Disclosure

(b) (5)

11:30 AM - 11:45 AM

FDIC MOU -- Rich's office

When:Wednesday,March09,201111:30AM11:45AM(GMT05:00)EasternTime(US &Canada). Where:Rich'soffice Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* MeredithFuchsaskedmetocheckinwithyouguysaboutthisMOU.TheFDIChasasked forsomechangesthatIdliketorunbyyouboth.Canwechatforabout15minutes tomorrow? Thanks! Meredith
Cordray, Richard (CFPB) 61 4/13/2011 11:02 AM

March 09, 2011 Continued Wednesday


1:00 PM - 1:30 PM

Obtained via FOIA by Judicial Watch, Inc.


Follow Up Meeting re Enforcement Issues -- Len's Office

When: Wednesday, March 09, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Len's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

1:30 PM - 2:00 PM

Weekly Meeting - Cordray - Kennedy -- Len's Office

When: Wednesday, March 09, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Len's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

March 10, 2011 Thursday


9:00 AM - 10:00 AM Policy Meeting -- 1801 L St. (Conference Room 503)

When: Thursday, March 10, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:45 AM - 1:15 PM

Lunch Meeting with Richard Davis (President and CEO, US Bancorp) -- 2316MT

When: Thursday, March 10, 2011 11:45 AM-1:15 PM (UTC-05:00) Eastern Time (US & Canada). Where: 2316MT Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
USBancorpStaff: RichardHartnack,Consumer&SmallBusinessBanking DanielArrigoni,USBankHomeMortgage BobSmiley,VPofLoanAdministrationforUSBankHomeMortgage

Cordray, Richard (CFPB)

62

4/13/2011 11:02 AM

March 10, 2011 Continued Thursday


1:00 PM - 2:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Regular Enforcement-GC Meeting -- 701

When: Thursday, March 10, 2011 1:00 PM-2:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: 701 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* NOTE: We are meeting upstairs in Room 701.
2:00 PM - 2:30 PM Mandatory meeting w/Wally -- 7001

When: Thursday, March 10, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 7001 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

2:30 PM - 3:00 PM

NAAG Spring Meeting Brainstorm -- 557

When: Thursday, March 10, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 557 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
How about earlier that day at 3pm?
3:00 PM - 3:30 PM

(b) (6)

interview -- Lucy's office

When: Thursday, March 10, 2011 4:00 PM-4:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office @ 3:00


Cordray, Richard (CFPB) 63 4/13/2011 11:02 AM

March 10, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.

Joanna Meredith Conference room 501 @ 3:30 Richard Richards office @ 4:00

3:30 PM - 3:45 PM

Follow up -- Rich's office

When: Thursday, March 10, 2011 3:30 PM-3:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Do you have a few minutes to chat before you leave? I was hoping to just stop by but you seem pretty booked today.

March 11, 2011 Friday


3:00 PM - 4:30 PM Hiring Meeting -- 501 - Boomer-Sooner Conference Room

When:OccurseveryFridayeffective2/4/2011from3:00PMto4:30PM(GMT05:00) EasternTime(US&Canada). Where:501 BoomerSoonerConferenceRoom Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Justwantedtoaddournewfolkstothismeetingandupdateourlocation. Thanks!


5:30 PM - 7:00 PM Nani Coloretti Departure Party -- 8003

When: Friday, March 11, 2011 5:30 PM-7:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 8003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

Cordray, Richard (CFPB)

64

4/13/2011 11:02 AM

March 14, 2011 Monday


9:15 AM - 10:00 AM

Obtained via FOIA by Judicial Watch, Inc.


Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
10:00 AM - 11:00 AM Meeting with Raj Date, Len Kennedy, Nani Coloretti, Rich Cordray, Peggy Twohig, Steve Antonakes, Sartaj Alag, Wally Adeyemo, Anna Canfield, and Dan Geldon -- 1801 L St. (701)

When: Monday, March 14, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (701) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:00 AM - 11:00 AM

Mtg w Previn Warren 10:15 here

(b) (6) (b) (6)

11:00 AM - 11:30 AM

CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

Enforcement Team Meeting -- 501

When:OccurseveryMondayeffective1/31/2011from12:00PMto1:00PM (GMT05:00)EasternTime(US&Canada). Where:501 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Sorry hadtochangelocation,butthisshouldworkgoingforward. Guys, WeregoingtotrytodothisasabrownbaglunchmeetingonMondays. Thanks! Meredith
Cordray, Richard (CFPB) 65 4/13/2011 11:02 AM

Obtained via FOIA by Judicial Watch, Inc.

March 14, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

6:00 PM - 7:00 PM

Policy Mtg. -- 503

When: Monday, March 14, 2011 6:00 PM-7:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
More details to come on the agenda/format of the meeting

March 15, 2011 Tuesday


10:30 AM - 11:30 AM FW: Meeting with ABA Administrative Law Section Taskforce on Financial Markets Regulation -- Full Disclosure Concerence Room 503

When: Tuesday, March 15, 2011 10:30 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Full Disclosure Concerence Room 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Rich let me know if youd still like me to attend
-----Original Appointment----From: Fuchs, Meredith (CFPB) Sent: Tuesday, March 01, 2011 1:07 PM To: Fuchs, Meredith (CFPB); Kennedy, Leonard (CFPB); Cochran, Kelly (CFPB); Cordray, Richard (CFPB); Gonzalez, Roberto; English, Leandra (CFPB); Martinez, Zixta (CFPB); Full Disclosure Conference Room 503; Lev, Ori (CFPB) Subject: Meeting with ABA Administrative Law Section Taskforce on Financial Markets Regulation When: Tuesday, March 15, 2011 10:30 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Full Disclosure Concerence Room 503

When: Tuesday, March 15, 2011 10:30 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Full Disclosure Concerence Room 503 Note: The GMT offset above does not reflect daylight saving time adjustments.
Cordray, Richard (CFPB) 67 4/13/2011 11:02 AM

March 15, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*
A conflict arose, so I am changing the date for this meeting. *********
(b) (5)

12:30 PM - 1:00 PM

(b) (6)

interview -- Richard's office

When: Tuesday, March 15, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office @ 11:30 Joanna Meredith Conference room 501 @ 12:00 Richard Richards office @12:30

1:00 PM - 2:00 PM

Policies and Procedures -- 523

When: Tuesday, March 15, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Cordray, Richard (CFPB) 68 4/13/2011 11:02 AM

March 15, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

(b) (5)

2:00 PM - 2:30 PM

Fair Lending Interviews -- 501

When: Tuesday, March 15, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

2:30 PM - 3:00 PM

Check-In w/Wally -- 540

When: Tuesday, March 15, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 540 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM

(b) (6)

interview -- Richard's office

When: Tuesday, March 15, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Cordray, Richard (CFPB)

69

4/13/2011 11:02 AM

March 15, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

Ori Lucy Lucys office@ 2:00 Joanna Meredith Conference room 501@ 2:30 Richard Richards office @ 3:00

5:30 PM - 7:00 PM

Policy Topics -- 503

When: Tuesday, March 15, 2011 5:30 PM-7:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

March 16, 2011 Wednesday


9:00 AM - 10:00 AM Enforcement Team Meeting (cont'd) -- 523 - Accountability Conference Room

When:Wednesday,March16,20119:00AM10:00AM(GMT05:00)EasternTime(US& Canada). Where:523 AccountabilityConferenceRoom Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

10:00 AM - 11:30 AM

Testimony Viewing -- 7001

When: Wednesday, March 16, 2011 10:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7001 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
We are holding a viewing session of Professor Warrens testimony on Wednesday March 16th in Conference room 7001. Keep in mind that seating will be limited. Thank You,
Cordray, Richard (CFPB) 70 4/13/2011 11:02 AM

March 16, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

Anya

10:00 AM - 10:45 AM

Meeting with International Visitor Leadership Program -- 503

When: Wednesday, March 16, 2011 10:00 AM-10:45 AM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

(b) (6)

interview -- Rich's office

When: Wednesday, March 16, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office @ 10:00 Meredith Joanna Conference room 501 @ 10:30 Richard Richards office @ 11:00

11:30 AM - 12:30 PM

Meet: Non-DI/Enforcement continued conversation -- 523

When: Wednesday, March 16, 2011 11:30 AM-12:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

Cordray, Richard (CFPB)

71

4/13/2011 11:02 AM

March 16, 2011 Continued Wednesday


1:00 PM - 2:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Second IT Demo, Rm 7002

2:00 PM - 2:30 PM

(b) (6)

interview -- Richard's office

When: Wednesday, March 16, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office @ 1:00 Joanna Meredith Conference room 501 @ 1:30 Richard Richards office @ 2:00
(b) (5)

2:30 PM - 3:00 PM

3:00 PM - 4:00 PM

NAAG Working Group Call -- 523

When: Wednesday, March 16, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Lets gather in Room 523 for the call, but if anyone needs to call in separately, heres the info:
(b) (6)

Cordray, Richard (CFPB)

72

4/13/2011 11:02 AM

March 16, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

The NAAG working group consists of: Jennifer Epperson (NC) Patrick Madigan (IA) Abigail Kuzuma (IN) Gordon Durnil (IN) James Sugarman (WA) Debbie Hagan (IL)
4:00 PM - 4:45 PM Weekly Meeting - Cordray - Kennedy -- Len's Office

When: Occurs every Wednesday effective 2/23/2011 from 4:00 PM to 4:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: Len's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

5:00 PM - 5:30 PM

Mtg w Peggy & Steve

March 17, 2011 Thursday


12:00 PM - 12:30 PM

(b) (6)

interview -- Richard's office

When: Thursday, March 17, 2011 12:00 PM-12:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office @ 11:00 Meredith Joanna Conference room 501@ 11:30 Richards Richards office @ 12:00
Cordray, Richard (CFPB) 73 4/13/2011 11:02 AM

March 17, 2011 Continued Thursday


1:30 PM - 2:30 PM

Obtained via FOIA by Judicial Watch, Inc.


Meeting with Ralph Nader -- 2316MT

When: Thursday, March 17, 2011 1:30 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 2316MT Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Attendees: RobertWeissman(President,PublicCitizen) PublicCitizenisamemberofAmericansforFinancialReform(http://citizen.org/) Robauthoreda200pageplusreporttitledSoldOutabouthowWashington andWallStreetbetrayedAmerica(http://www.wallstreetwatch.org) JohnRichard(Attorney,CenterforStudyofResponsiveLaw) TheresaAmato(ExecutiveDirector,CitizenWorks) Amato,agraduateofNYULawandHarvardCollege,istheexecutivedirectorof CitizenWorks(citizenworks.org),theprojectdirectorofFairContracts (faircontracts.org),andthefounderoftheCitizenAdvocacyCenter (citizenadvocacycenter.org)

1:30 PM - 2:00 PM

Weekly Invitation/Outreach Meeting --

When: Thursday, March 17, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Given testimony prep, and the relatively light load of invitations, I am postponing our invitations meeting this week. Apologies for the late notice, and hope that this new time works for all. Leandra
3:30 PM - 4:00 PM

(b) (6)

interview -- Richard's office

When: Thursday, March 17, 2011 3:30 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Cordray, Richard (CFPB)

March 17, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.

Ori Lucy Lucys office@ 2:30 Joanna Meredith Conference room 501@ 3:00 Richard Richards office @ 3:30

March 18, 2011 Friday


1:00 PM - 2:00 PM MOU Discussion -- 7001

When: Friday, March 18, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 7001 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Agenda: Discussion of the status of negotiations of MOUs with Federal banking agencies.
(b) (6)

3:00 PM - 4:30 PM

Hiring Meeting -- 501 - Boomer-Sooner Conference Room

When:OccurseveryFridayeffective2/4/2011from3:00PMto4:30PM(GMT05:00) EasternTime(US&Canada). Where:501 BoomerSoonerConferenceRoom Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Justwantedtoaddournewfolkstothismeetingandupdateourlocation. Thanks!


Cordray, Richard (CFPB) 75 4/13/2011 11:02 AM

March 18, 2011 Continued Friday March 21, 2011 Monday


9:15 AM - 10:00 AM

Obtained via FOIA by Judicial Watch, Inc.

Team Lead Weekly Check-in Meeting -- 7003

When: Monday, March 21, 2011 9:15 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
10:00 AM - 11:00 AM Meeting with Raj Date, Len Kennedy, Catherine West, Rich Cordray, Peggy Twohig, Steve Antonakes, Sartaj Alag, Wally Adeyemo, Anna Canfield, and Dan Geldon -- CONFERENCE CALL

When: Monday, March 21, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: CONFERENCE CALL Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

11:00 AM - 11:30 AM

CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:30 AM - 12:00 PM

Transparency Working Group -- 501

When: Monday, March 21, 2011 11:30 AM-12:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: 501 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Peggy, Steve, and Rich we want to brief you on the attached (slightly revised) memo to EW re transparency.
(b) (5)

Cordray, Richard (CFPB)

March 21, 2011 Continued Monday


12:00 PM - 1:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Enforcement Team Meeting -- 501

When:OccurseveryMondayeffective1/31/2011from12:00PMto1:00PM (GMT05:00)EasternTime(US&Canada). Where:501 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Sorry hadtochangelocation,butthisshouldworkgoingforward. Guys, WeregoingtotrytodothisasabrownbaglunchmeetingonMondays. Thanks! Meredith
1:30 PM - 2:00 PM

(b) (6)

phone interview

(b) (6)

-- Richard's office

When: Monday, March 21, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Richard Richards office @ 1:30 Ori Lucy Lucys office @ 2:00pm Joanna Interview room @ 2:30

3:00 PM - 3:30 PM

Enforcement HC CC Transition -- Rich's Office

When: Monday, March 21, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's Office Note: The GMT offset above does not reflect daylight saving time adjustments.
Cordray, Richard (CFPB) 77 4/13/2011 11:02 AM

March 21, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*

4:30 PM - 5:00 PM

NCRC Conference Preparation -- Rich's office

When: Monday, March 21, 2011 4:30 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Hi Rich, Meredith left some materials with me about your participation in the NCRC Conference that we need to send out by mid-week. Could I swing by at 4:30 today to discuss briefly? Thanks, Joanna

March 22, 2011 Tuesday


9:00 AM - 9:30 AM Planning for Cross-OGC/Enforcement Attorneys -- Rich's Office

When: Tuesday, March 22, 2011 9:00 AM-9:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:30 AM - 12:00 PM

Call-In to Ohio Consumer Law Task Force Meeting to speak re Bureau -- 1-800-589-5888 x103

Per Linda Cook, 614-221-7201 x124 at the Ohio Poverty Law Center This is foreclosure advocates from the legal aid community
12:00 PM - 1:00 PM IDEO Consumer Experience Brown Bag -- 503 Full Disclosure

When: Tuesday, March 22, 2011 12:00 PM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Full Disclosure Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

DoyouwanttobeInnovative?
Cordray, Richard (CFPB) 78 4/13/2011 11:02 AM

March 22, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

DoyouwanttodeliveranAmazing Experience? DoyouwantpeopletoRaveabout CFPB? JoinusonTuesday3/22forabrown baglunchwiththeconsumer experienceteamfromIDEO. http://www.ideo.com/work/


(Comeearlyforagoodseat!)
CFPBhasselectedIDEOasourconsumerexperienceandbranding partner.Theywillbeworkingwithusinthecomingmonthstohelpus thinkaboutanddesignourconsumerexperienceandoverallbrand persona.ThislunchisopentotheentireCFPB(thoughspaceis obviouslylimited),soifyoureinterestedinlearningmoreaboutIDEO andwhatwellbedoingwiththem,pleasejoinus.
1:00 PM - 1:30 PM

(b) (6)

interview -- Richard's office

When: Tuesday, March 22, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Ori
Cordray, Richard (CFPB) 79 4/13/2011 11:02 AM

March 22, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

Lucy Lucys office @ 12:00 Joanna Meredith Conference room 501 @ 12:30 Richard Richards office @ 1:00

2:30 PM - 3:00 PM

(b) (6)

interview -- Richard's office

When: Tuesday, March 22, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Michael Roberto Merediths office @ 1:30 Len Lens office @ 2:00 Richard Richards office @ 2:30 Lucy Ori Lucys office @ 3:00 Joanna Jean Conference room 501 @ 3:30

3:00 PM - 3:30 PM

5:00 PM - 5:30 PM

Complaints-handling MOU -- Full Disclosure Conference Room 503

When: Tuesday, March 22, 2011 5:00 PM-5:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Full Disclosure Conference Room 503
Cordray, Richard (CFPB) 80 4/13/2011 11:02 AM

March 22, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (2)

March 23, 2011 Wednesday


9:00 AM - 10:00 AM Org Chart -- Room 501

When: Wednesday, March 23, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Room 501 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:30 AM - 12:30 PM

Regular Non-DI/Enforcement Meeting -- 7001

When: Wednesday, March 23, 2011 11:30 AM-12:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 7001 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

1:30 PM - 2:00 PM

(b) (6)

interview -- Richard's office

When: Wednesday, March 23, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments.
Cordray, Richard (CFPB) 81 4/13/2011 11:02 AM

March 23, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office @ 12:30 Joanna Jean Conference room 523@1:00 Richard Richards office@ 1:30

3:00 PM - 3:30 PM

(b) (6)

interview -- Richard's office

When: Wednesday, March 23, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office @ 2:00 Jean Joanna Conference room 523 @ 2:30 Richard Richards office @ 3:00

4:00 PM - 4:45 PM

Weekly Meeting - Cordray - Kennedy -- Len's Office

When: Occurs every Wednesday effective 2/23/2011 from 4:00 PM to 4:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: Len's Office
Cordray, Richard (CFPB) 82 4/13/2011 11:02 AM

March 23, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

5:00 PM - 5:30 PM

Mtg w Peggy & Steve

March 24, 2011 Thursday


10:00 AM - 10:30 AM

(b) (6)

interview -- Rich's office

When: Thursday, March 24, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Rich Richs office @ 10:00 Lucy Kent Lucys office @ 10:30 Joanna Jean Conference room 501 @ 11:00
10:30 AM - 11:00 AM Operations Plan Modeling Estimating Staff and External Services Over Time -- CR-7002

When: Thursday, March 24, 2011 10:30 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: CR-7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

Cordray, Richard (CFPB)

83

4/13/2011 11:02 AM

Obtained via FOIA by Judicial Watch, Inc.

March 24, 2011 Continued Thursday


3:00 PM - 3:30 PM

Obtained via FOIA by Judicial Watch, Inc.


(b) (6)
interview -- Richard's office

When: Thursday, March 24, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office@ 2:00 Joanna Conference room 523 @ 2:30 Richard Richards office @ 3:00

March 25, 2011 Friday


9:00 AM - 10:00 AM Org Chart, Part Deux -- Room 501

When: Friday, March 25, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Room 501 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
RichandIwillparticipatebyphone(someonewillhavetohelpmewiththelogisticson that).Iwillhaveatleastoneadditionaldocumenttoyoutosupporttheconversation thatbeginstolayoutfunctionsunderpositiontypes. Kent
1:00 PM - 3:00 PM Enforcement Strategic Plan -- Room 523

When: Friday, March 25, 2011 1:00 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Room 523 Note: The GMT offset above does not reflect daylight saving time adjustments.
Cordray, Richard (CFPB) 85 4/13/2011 11:02 AM

March 25, 2011 Continued Friday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*
Group RichaskedmetogetthisonthecalendarforFriday.IknowthatOrihasaconflictfrom 12,butwelleitherproceedwithouthimorhecanseeifhecanclearthatconflict. Everyoneelseisavailableduringthiswindow.Myhopewouldbethatwecouldconclude before3:00totakeashortbreakbeforestartingupagainwithhiringat3:00. OurprimaryfocuswillbeLucyscurrentdeckbutifotherbelievethatthereareother documentsweshouldallhaveinfrontofusforthisconversation,pleasesendaroundan emailtothateffect. Thanks! Kent
3:00 PM - 4:30 PM Hiring Meeting -- 501 - Boomer-Sooner Conference Room

When:OccurseveryFridayeffective2/4/2011from3:00PMto4:30PM(GMT05:00) EasternTime(US&Canada). Where:501 BoomerSoonerConferenceRoom Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Justwantedtoaddournewfolkstothismeetingandupdateourlocation. Thanks!

March 28, 2011 Monday


9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 10003

When: Monday, March 28, 2011 9:15 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 10003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
10:00 AM - 11:00 AM Meeting with Raj Date, Len Kennedy, Catherine West, Rich Cordray, Peggy Twohig, Steve Antonakes, Sartaj Alag, Wally Adeyemo, Anna Canfield, and Dan Geldon -- 1801 L St. (Conference Room 7001)

When: Monday, March 28, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 7001) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Cordray, Richard (CFPB) 86 4/13/2011 11:02 AM

March 28, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

11:00 AM - 11:45 AM

Meeting with Preet Bharara (US Attorney for the Southern District of NY) -- 1801 L St. (550)

When: Monday, March 28, 2011 11:00 AM-11:45 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6) When: Monday, March 28, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in #

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* -----------------------------------------------------------------------------------------------The schedule and electronic copies of presentations can be found here: http://treas.treasecm.gov/do/cfpb/polmgt/Documents/Forms/AllItems.aspx
12:00 PM - 1:00 PM Enforcement Team Meeting -- 501

When:OccurseveryMondayeffective1/31/2011from12:00PMto1:00PM (GMT05:00)EasternTime(US&Canada). Where:501 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* Sorry hadtochangelocation,butthisshouldworkgoingforward. Guys, WeregoingtotrytodothisasabrownbaglunchmeetingonMondays. Thanks! Meredith
1:00 PM - 2:00 PM FW: Foreclosures Update -

(b) (6)

When: Monday, March 28, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Cordray, Richard (CFPB) 87 4/13/2011 11:02 AM

March 28, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

Rich: I will plan to call in and report back. Lucy


-----Original Appointment----From: Goldstein, Jeffrey Sent: Monday, March 28, 2011 9:48 AM To: Goldstein, Jeffrey; 'Amy Snipes'; Apsel, Sarah; Barr, MichaelDisabled; 'Brian Hauck'; Caldwell, Phyllis; D'Angelo, Chris; 'David Becker'; 'David Vladeck'; 'David.h.stevens@hud.gov'; 'Debbie Matz'; Dakin, Deborah; Foster, Jeff; Graves, Donet (Don); Gardineer, Grovetta; 'Helen R Kanovsky (Helen.R.Kanovsky@hud.gov)'; Hunt, Anita Maria; 'James Parrott'; 'James Watkins'; 'Jason Cave'; Johnson, Rhonda; Williams, Julie L; Kinard, Yvette; Ugoletti, Mario; 'Meredith Cross'; Miller, Sarah; Morris, Lucy (CFPB); Delfin, Ricardo; 'rmcInerney@fdic.gov'; 'Robb Adkins'; 'sandy.braunstein@frb.gov'; Schaffer, Laurie; 'scott.alvarez@frb.gov'; Seymour, Niya; 'Thomas.J.Perrelli@usdoj.gov'; Long, Timothy W; Wrennall-Montes, Sally; 'Valerie.Delaney@frb.gov'; 'Alfred Pollard'; 'LOVE, MELINDA A'; 'Brown, Allison'; Kingsley, Darius; Hrdy, Alice (CFPB); Trebat, Gabrielle; Massad, Timothy; Stipano, Daniel P; 'Bott, Vicki B'; 'Gorman, Frank'; 'fred.phillips-patrick@ots.treas.gov'; Quigley, Lori J; 'Smith, Damon Y' Subject: Foreclosures Update When: Monday, March 28, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where:

When: Monday, March 28, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
DOJ is hosting.
2:00 PM - 2:30 PM

(b) (6)

phone interview

(b) (6)

-- Richard's office

When: Monday, March 28, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Cordray, Richard (CFPB)

88

4/13/2011 11:02 AM

March 28, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

Ori Lucy Lucys office @1:00 Joanna Conference room 523 @ 1:30 Richard Richards office @ 2:00

2:30 PM - 3:00 PM

Check In with Rich Cordray -- 1801 L St. (550)

When: Monday, March 28, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:30 PM - 4:00 PM

(b) (6)

nterview -- Richard's office

When: Monday, March 28, 2011 3:30 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Lucy Ori Lucys office @ 2:30 Joanna Meredith Conference room 501 @ 3:00 Richard Richards office @ 3:30

Cordray, Richard (CFPB)

89

4/13/2011 11:02 AM

March 28, 2011 Continued Monday


4:00 PM - 5:00 PM

Obtained via FOIA by Judicial Watch, Inc.


(b) (5)

5:00 PM - 6:00 PM

Mtg w R.I. Treasurer Gina Raimondo, Hotel, 1330 Maryland Ave SW

(b) (6)

Robin) also Joy

(b) (6)

Mandarin

6:00 PM - 6:30 PM

(b) (5)

6:30 PM - 6:45 PM

Follow Up Meeting with Rich Cordray -- 1801 L St. (550)

When: Monday, March 28, 2011 6:30 PM-6:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Cordray, Richard (CFPB) 90 4/13/2011 11:02 AM

March 28, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

March 29, 2011 Tuesday


10:30 AM - 12:00 PM Enforcement Workforce Planning -- _RS_CR_1801LST_7002(702)

When: Tuesday, March 29, 2011 10:30 AM-12:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: _RS_CR_1801LST_7002(702) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 12:30 PM

(b) (6)

interview -- Richard's office

When: Tuesday, March 29, 2011 12:00 PM-12:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office @ 11:00 Meredith Joanna Conference room 523@ 11:30 Richard Richards office @ 12:00

1:00 PM - 2:15 PM

Confirmed: AFR Meeting re Nat'l Srvcg Standards -- 7003

When: Tuesday, March 29, 2011 1:00 PM-2:15 PM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments.
Cordray, Richard (CFPB) 91 4/13/2011 11:02 AM

March 29, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*
(b) (5)

1:30 PM - 2:00 PM

(b) (6)

interview -- Richard's office

When: Tuesday, March 29, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Richard's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Ori Lucy Lucys office @ 12:30 Joanna Meredith Conference room 501 @ 1:00 Richard Richards office @ 1:30

2:30 PM - 3:30 PM

Strategic Plan - Initial Priorities -- 803

When: Tuesday, March 29, 2011 2:30 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 803 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM

Weekly Invitation/Outreach Meeting --

When: Tuesday, March 29, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Note: The GMT offset above does not reflect daylight saving time adjustments.
Cordray, Richard (CFPB) 92 4/13/2011 11:02 AM

March 29, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.


*~*~*~*~*~*~*~*~*~* Good afternoon Switching this until 3:00, per Richs schedule. Many thanks, Leandra

3:45 PM - 4:05 PM

Hill Briefing -- Rich's Office - 557

When: Tuesday, March 29, 2011 3:45 PM-4:05 PM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's Office - 557 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

Schedule - Wednesday, March 30, 2011 8:30 am Senator Rob Portman (R-OH) Senior staff will be in attendance Location: TBD Contact: Nick Butterfield, 224-7452 Congressman John Carney, (D-DE) Staff in attendance: Sam Hodas, LD 1429 Longworth House Office Building Contact: Katie Paisley, 225-4165 Congressman Ruben Hinojosa (D-TX) 2262 Rayburn House Office Building Contact: Chris Oropeza, 225-2531 Lunch Congressman Gregory Meeks (D-NY) 2234 Rayburn House Office Building Contact: Kim Fuller, 225-3461 Congressman Melvin Watt (D-NC) 2304 Rayburn House Office Building Contact: Keith Kelly, 225-1510 Congresswoman Carolyn McCarthy (D-NY) 2346 Rayburn House Office Building Contact: Ellen McNamara, 225-5516
93 4/13/2011 11:02 AM

10:30 am

11:15 am

12:00 pm 1:30 pm

2:15 pm

3:30 pm

Cordray, Richard (CFPB)

March 29, 2011 Continued Tuesday


4:30 PM - 6:30 PM

Obtained via FOIA by Judicial Watch, Inc.


DOJ Mtg -- DOJ

March 30, 2011 Wednesday


9:00 AM - 3:30 PM RC Hill Meetings

9:00 AM - 10:00 AM

OC.3 -- 7002

When: Wednesday, March 30, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:30 AM - 12:30 PM

Regular Non-DI/Enforcement Meeting -- 7001

When: Occurs every Wednesday effective 3/23/2011 from 11:30 AM to 12:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 7001 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:00 PM - 4:45 PM

Weekly Meeting - Cordray - Kennedy -- Len's Office

When: Occurs every Wednesday effective 2/23/2011 from 4:00 PM to 4:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: Len's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

5:00 PM - 5:30 PM

Mtg w Peggy & Steve

March 31, 2011 Thursday


10:15 AM - 11:00 AM Meeting with Chris Barry-Smith, Chief of PPAB for Mass AG -- Rich's Office

When:Thursday,March31,201110:15AM11:00AM(UTC05:00)EasternTime(US& Canada). Where:Rich'sOffice


Cordray, Richard (CFPB) 94 4/13/2011 11:02 AM

March 31, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.

Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 3:00 PM

Briefing on issues in mortgage servicing and bank walkaways -- 503

When: Thursday, March 31, 2011 11:00 AM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Prof. Frank Alexander at Emory University Law School has specifically organized for everyone at CFPB working in the area a special briefing on issues in mortgage servicing. In addition to Prof. Alexander, Kevin Byers, an Atlanta forensic accountant specializing in problems in the servicing industry and Dr. Daniel Immergluck, an expert in mortgage regulation, will conduct the briefing. I urge as many of us as possible to attend. The location is near our offices.
12:00 PM - 1:00 PM Lunch with Rich Cordray -- TBD

When: Thursday, March 31, 2011 12:00 PM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: TBD Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM

Meet with

(b) (6)

-- 557

When: Thursday, March 31, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 557 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

(b) (6)

Cordray, Richard (CFPB)

March 31, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.

2:00 PeggyTwohig(563) 2:30 DavidSilberman(536) 3:00 RichardCordray(557) 3:30 PatMcCoy(530) 4:00 TraveltoMainTreasury 4:30 ElizabethWarren(2316MT)
3:30 PM - 4:00 PM Bob Niemi OMBA -- Mayflower

4:00 PM - 5:00 PM

Discuss Potential Consumer Response Roll Out Schedule -- Rich's Office

When: Thursday, March 31, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Rich's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
It will probably be 4:15 but I dont know how to make an appointment that shows 4:15.see you then! PS bring whomever you might want of course.
5:00 PM - 5:30 PM Meet re draft policy on self-directed research -- 557

When: Thursday, March 31, 2011 5:00 PM-5:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 557 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

Cordray, Richard (CFPB)

96

4/13/2011 11:02 AM

Obtained via FOIA by Judicial Watch, Inc.

Patricia McCoy Responsive Records

October 26, 2010 Tuesday


9:30 AM - 10:00 AM

Obtained via FOIA by Judicial Watch, Inc.


All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

November 02, 2010 Tuesday


9:30 AM - 10:00 AM All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:30 PM - 5:30 PM

REMINDER PIV badge activation for 1801 L -- Conference room 533 (Dodd-Frank)

A number of you have HSPD 12 PIV badges that are not activated for 1801 L (either you just received one or it was issued through another agency). We will have someone from Kastle here on Tues afternoon with an enrolling station set up to activate your badges. Please swing by the conference room with your badges at some point between 4:30-5:30. You must have the PIN number you were assigned when you received your badge. We will have other opportunities to enroll your badge in the future if you cant make this time. Thanks.

November 03, 2010 Wednesday


2:00 PM - 3:00 PM Personal:

(b) (6)

November 04, 2010 Thursday


9:30 AM - 10:30 AM mortgages -- Pat's office or nearby conference room

When: Thursday, November 04, 2010 9:30 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's office or nearby conference room
McCoy, Patricia (CFPB) 1 4/4/2011 10:12 AM

November 04, 2010 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Pat, I dont know what time you arrive on Thursday, so if this is too early, I can change to 1pm. The roundtable is scheduled for Thurs, 4-5:30pm. Youll get an invitation later. Pam
1:00 PM - 2:00 PM David Chait (SBA) and CFPB follow-up -- Dial-in #

(b) (6)

When: Thursday, November 04, 2010 1:00 PM-2:00 PM (GMT-05:00) Eastern Time (US & Canada). (b) (6) Where: Dial-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

Pardon the schedule changes. We look forward to connecting this Thursday at 1pm. Lets start with Davids proposed agenda below, and take it from there. Again, thank you for your patience. Alejandra ------------------From: Chait, David D. [mailto:David.Chait@sba.gov] Sent: Tuesday, October 19, 2010 6:08 PM To: Lopez-Fernandini, Alejandra; Cochran, Kelly Subject: CFPB Data Collection
(b) (2)

McCoy, Patricia (CFPB)

4/4/2011 10:12 AM

November 04, 2010 Continued Thursday


4:00 PM - 5:30 PM `

Obtained via FOIA by Judicial Watch, Inc.

4:00 PM - 5:30 PM

Mortgage Disclosure Roundtable -- 4125

When: Thursday, November 04, 2010 4:00 PM-5:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 4125 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:00 PM - 5:30 PM

Treasury roundtable

November 08, 2010 Monday


11:00 AM - 12:00 PM Personal:

(b) (6)

November 09, 2010 Tuesday


9:30 AM - 10:00 AM All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

November 11, 2010 Thursday


6:30 PM - 8:30 PM Personal:

(b) (6)

November 12, 2010 Friday


11:00 AM - 12:15 PM Hud foreclosure database project -- Alejandra

12:15 PM - 1:30 PM

HUD-CFPB -- Rm 503, Full Disclosure Conference Room

When: Friday, November 12, 2010 12:15 PM-1:30 PM (GMT-05:00) Eastern Time (US & Canada). Where: Rm 503, Full Disclosure Conference Room
McCoy, Patricia (CFPB) 3 4/4/2011 10:12 AM

November 12, 2010 Continued Friday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Treasury/Urban pre-meeting at 12:15pm Meeting with Kurt to begin at 12:30pm. Kurt G. Usowski, Ph.D. Deputy Assistant Secretary for Economic Affairs U.S. Department of Housing and Urban Development 202-402-5899 Kurt.G.Usowski@hud.gov Meeting Contact: Alejandra Lopez-Fernandini

November 16, 2010 Tuesday


9:30 AM - 10:00 AM All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

November 18, 2010 Thursday


2:30 PM - 3:00 PM Travel office -- Main treasury

7:00 PM - 8:00 PM

Personal:

(b) (6)

November 19, 2010 Friday


11:30 AM - 1:00 PM Bill Apgar Lunch

3:00 PM - 3:30 PM

Peter Jackson

November 22, 2010 Monday


10:30 AM - 11:00 AM Personal:

(b) (6)

McCoy, Patricia (CFPB)

4/4/2011 10:12 AM

November 22, 2010 Continued Monday


2:00 PM - 2:30 PM Personal:

Obtained via FOIA by Judicial Watch, Inc.


(b) (6)

November 30, 2010 Tuesday


9:30 AM - 10:00 AM All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

December 02, 2010 Thursday


3:30 PM - 4:15 PM Discuss IPA -- Marilyn's Office

When: Thursday, December 02, 2010 3:30 PM-4:15 PM (UTC-05:00) Eastern Time (US & Canada). Where: Marilyn's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Pat Sorry to move this meeting again but Pam and I now have to attend a meeting at the Federal Reserve tomorrow afternoon. Can we please move our meeting until 3:30? Thanks Marilyn

December 09, 2010 Thursday


5:30 PM - 6:30 PM Courtney scala -- Lobby

(b) (6) (b) (6)

7:00 PM - 9:00 PM

Private:

December 15, 2010 Wednesday


9:30 AM - 10:00 AM All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada).
McCoy, Patricia (CFPB) 5 4/4/2011 10:12 AM

December 15, 2010 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

December 17, 2010 Friday


10:00 AM - 11:30 AM Updated: discuss mortgage disclosures

Maybe even get some coffee

December 21, 2010 Tuesday


9:30 AM - 10:00 AM All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

December 27, 2010 Monday


10:00 AM - 10:30 AM Call with Pat McCoy

When: Monday, December 27, 2010 10:00 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Prof. Warren will call Pats landline. 10am ET, 7am PT

December 28, 2010 Tuesday


9:30 AM - 10:00 AM All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002
McCoy, Patricia (CFPB) 6 4/4/2011 10:12 AM

December 28, 2010 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

January 03, 2011 Monday


11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

January 06, 2011 Thursday


2:00 PM - 3:00 PM -- Raj

3:00 PM - 3:30 PM

Prep for 1/10 disclosure meeting with EW -- Raj's office

When: Thursday, January 06, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Not sure if this time works for everyone but if not well try to push back to Friday am. Well have two memos to circulate in advance to prime the discussion about structuring of the project(s) going forward. Thanks!

January 10, 2011 Monday


11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
McCoy, Patricia (CFPB) 7 4/4/2011 10:12 AM

January 10, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

12:30 PM - 1:00 PM

prep for 2pm mtg -- 530 - pat's office

When: Monday, January 10, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 - pat's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

1:00 PM - 1:30 PM

IPA agreement -- Pat's office (530)

When: Monday, January 10, 2011 1:00 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's office (530) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

2:00 PM - 3:00 PM

In-Depth Discussion of Mortgage Disclosure -- 1801 L St. (550)

When: Monday, January 10, 2011 1:00 PM-2:00 PM (GMT-06:00) Central Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 3:20 PM

Disclosure team meeting -- 523

When: Monday, January 10, 2011 3:00 PM-3:20 PM (UTC-05:00) Eastern Time (US & Canada). Where: 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
An opportunity for introductions and short discussion of path forward

McCoy, Patricia (CFPB)

4/4/2011 10:12 AM

January 11, 2011 Tuesday


9:30 AM - 10:00 AM

Obtained via FOIA by Judicial Watch, Inc.


All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:00 PM - 4:30 PM

Private:

(b) (6)

January 12, 2011 Wednesday


11:00 AM - 11:30 AM Discuss early mortgage-related IT projects -- 529

When: Wednesday, January 12, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 529 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

Policy Lunch -- 503

1:00 PM - 2:00 PM

Chris Ladd and Jane Gao -- 530

1:00 PM - 2:00 PM

Chris Ladd, Jane Gao

1:15 PM - 2:15 PM

Mortgages -- Servicing ANPR discussion -- 530 (Pat's Office)

When: Wednesday, January 12, 2011 1:15 PM-2:15 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 (Pat's Office) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:00 PM - 4:30 PM

HOEPA

4:30 PM - 5:30 PM

Discuss mortgage disclosure follow up -- Pat's office

When: Wednesday, January 12, 2011 4:30 PM-5:30 PM (UTC-05:00) Eastern Time (US & Canada).
McCoy, Patricia (CFPB) 9 4/4/2011 10:12 AM

January 12, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

Where: Pat's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

January 14, 2011 Friday


2:00 PM - 2:30 PM Private:

(b) (6)

January 17, 2011 Monday


11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

January 18, 2011 Tuesday


9:30 AM - 10:00 AM Dail:

(b) (6)

-- 503

When: Tuesday, January 18, 2011 9:30 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* w/ Call-in number.
10:15 AM - 11:00 AM Coffee with Carter Dougherty

11:30 AM - 1:00 PM

Lunch with CSBS and Pat McCoy -- TBD

When: Tuesday, January 18, 2011 11:30 AM-1:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: TBD Note: The GMT offset above does not reflect daylight saving time adjustments.
McCoy, Patricia (CFPB) 10 4/4/2011 10:12 AM

January 18, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~* Hopefully this works for you. They are just around the corner on M St. so well find someplace close. Chuck.
4:30 PM - 5:00 PM Talk about reverse mortgages -- Pat's office 530

When: Tuesday, January 18, 2011 4:30 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's office 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

January 19, 2011 Wednesday


8:30 AM - 9:30 AM Mortgage Servicing Meeting -- 1801 L St. (550)

When: Wednesday, January 19, 2011 8:30 AM-9:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:00 AM - 10:30 AM

Sit-Down -- Your office

When: Wednesday, January 19, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Your office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Maybe we can grab coffee; it looks like youre booked at lunch each day
12:00 PM - 1:00 PM Policy Lunch -- 503

4:00 PM - 5:00 PM

Catch up on mortgage issues -- Pat's office

When: Wednesday, January 19, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's office Note: The GMT offset above does not reflect daylight saving time adjustments.
McCoy, Patricia (CFPB) 11 4/4/2011 10:12 AM

January 19, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*

5:45 PM - 6:30 PM

Follow up on servicing -- Raj's office

When: Wednesday, January 19, 2011 5:45 PM-6:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
I know time is tight today, but it would be really helpful to regroup after this mornings conversation. This window looks like it will work for most people, though Pat needs to leave by 6:15 so if possible it would be really helpful to start about 5:45. Thanks!
6:30 PM - 8:00 PM Private:

(b) (6)

January 20, 2011 Thursday


8:30 AM - 10:00 AM FW: Policy Meeting -- 1801 L St. (Conference Room 503)

When: Thursday, January 20, 2011 8:30 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Martin, Alyssa (CFPB) On Behalf Of Warren, Elizabeth (CFPB) Sent: Thursday, January 13, 2011 6:37 PM To: Warren, Elizabeth (CFPB); Antonakes, Steve (CFPB); Burniston, Tim (CFPB); Morris, Lucy (CFPB); Hrdy, Alice (CFPB); Twohig, Peggy (CFPB); Coloretti, Nani (CFPB); Silberman, David (CFPB); Cochran, Kelly (CFPB); Vale, Elizabeth (CFPB); Jackson, Peter (CFPB); Date, Rajeev (CFPB); Geldon, Daniel (CFPB); Adeyemo, Adewale (Wally) (CFPB); Canfield, Anna (CFPB) Subject: Policy Meeting When: Thursday, January 20, 2011 8:30 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503)

Topic:BankandNonbankSupervisionModeling

McCoy, Patricia (CFPB)

12

4/4/2011 10:12 AM

January 20, 2011 Continued Thursday


9:30 AM - 10:30 AM

Obtained via FOIA by Judicial Watch, Inc.


Hiring Interview:

(b) (6)

11:00 AM - 12:30 PM

HUD meeting -- HUD rm 10114

When: Thursday, January 20, 2011 11:00 AM-12:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: HUD rm 10114 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Paul Ceja x5085 or Joan Kayagil at x5131
1:30 PM - 2:00 PM Private:

(b) (6)

2:30 PM - 3:30 PM

Economist Recruiting -- 688 (sixth floor) on other side of front desk wall

When: Thursday, January 20, 2011 2:30 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 688 (sixth floor) on other side of front desk wall Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Location Update: Room 688 (sixth floor) This meeting is intended to be a cross cutting meeting to discuss economist recruiting for your respective areas.
4:00 PM - 5:00 PM Meeting with Fannie Mae re: Foreclosure Process -- 3900 Wisconsin Avenue (pull up to front lobby)

When: Thursday, January 20, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 3900 Wisconsin Avenue (pull up to front lobby) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* FannieMaeStaff: TerryEdwards,ExecutiveVicePresident,CreditLossManagement JeffHayward,SeniorVicePresident,NationalServicingOrganization JoeGrassi,DeputyGeneralCounsel,SingleFamily JulieKatzman,DeputyGeneralCounsel,LitigationandRegulatoryAffairs ElizabethScholz,AssociateDirector,OperationalRiskGroupandLoanServicing MegBurns,SeniorAssociateDirector,CongressionalAffairsandCommunications
5:30 PM - 6:00 PM Interview with

(b) (6)

-- Your office

When: Thursday, January 20, 2011 4:00 PM-4:30 PM (GMT-05:00) Eastern Time (US & Canada).
McCoy, Patricia (CFPB) 13 4/4/2011 10:12 AM

January 20, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.

Where: Your office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

6:30 PM - 8:00 PM

Private:

(b) (6)

January 21, 2011 Friday


8:00 AM - 8:30 AM Fingerprinting

10:00 AM - 10:30 AM

Mortgage Servicing -- Pat's Office

When: Friday, January 21, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:00 AM - 10:30 AM

Prep for Mortgage Servicing Meeting -- 1801 L St. (550)

When: Friday, January 21, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 12:00 PM

FOIA Overview & Training -- Full Disclosure Conference Room (503)

When: Friday, January 21, 2011 11:00 AM-12:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Full Disclosure Conference Room (503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Goodmorning, StephanieGorskiandIareinterestedintalkingwithyouonThursday,January21st,about
McCoy, Patricia (CFPB) 14 4/4/2011 10:12 AM

Obtained via FOIA by Judicial Watch, Inc.

January 21, 2011 Continued Friday

Obtained via FOIA by Judicial Watch, Inc.

JeffGoldstein DonGraves PhyllisCaldwell ElizabethWarren LucyMorris PatMcCoy WallyAdeyemo

2:30 PM - 3:30 PM

Hiring Interview:

(b) (6)

3:00 PM - 4:00 PM

FW: Meeting with Americans for Financial Reform -- 4125MT

When: Friday, January 21, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 4125MT Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Martin, Alyssa (CFPB) On Behalf Of Warren, Elizabeth (CFPB) Sent: Thursday, January 06, 2011 10:21 AM To: English, Leandra (CFPB) Cc: Twohig, Peggy (CFPB); Burniston, Tim (CFPB); Martinez, Zixta (CFPB) Subject: Meeting with Americans for Financial Reform When: Friday, January 21, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 4125MT

4:00 PM - 6:00 PM

Private:

(b) (6)

January 24, 2011 Monday


11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
McCoy, Patricia (CFPB) 16 4/4/2011 10:12 AM

January 24, 2011 Continued Monday


11:00 AM - 11:30 AM

Obtained via FOIA by Judicial Watch, Inc.


Policy Meeting -- 503

2:30 PM - 3:15 PM

ANPR -- 7306

3:30 PM - 4:30 PM

Mortgage Servicing / TFG Prep -- 1801 L St. (550)

When: Monday, January 24, 2011 3:30 PM-4:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:45 PM - 5:00 PM

Follow-up --

(b) (6)

When: Monday, January 24, 2011 4:45 PM-5:00 PM (GMT-05:00) Eastern Time (US & Canada). (b) (6) Where: Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

January 25, 2011 Tuesday


9:30 AM - 10:00 AM All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:00 AM - 10:30 AM

Leandra and Zixta

10:00 AM - 10:15 AM

Outreach Meeting w/Pat -- Pat's Ofc

When: Tuesday, January 25, 2011 10:00 AM-10:15 AM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Ofc Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
McCoy, Patricia (CFPB) 17 4/4/2011 10:12 AM

January 25, 2011 Continued Tuesday


12:00 PM - 1:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Mortgage Servicing / TFG Prep (continued) -- 1801 L St. (550)

When: Tuesday, January 25, 2011 12:00 PM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

1:45 PM - 2:30 PM

Servicing and mod standards -

(b) (6)

When:Tuesday,January25,20111:45PM2:30PM(GMT05:00)EasternTime(US& Canada). (b) (6) Where Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~* DonandIhavesomethingfinishingat1:30soIallowed15minutesincasethereispost meetingfollowup.Idontknowifwewillneed45minutes,butwantedtoblockthe time.
5:00 PM - 6:00 PM Meeting with Staff -- Secretary's Small Conference Room

When:Tuesday,January25,20115:00PM6:00PM(UTC05:00)EasternTime(US& Canada). Where:Secretary'sSmallConferenceRoom Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

TOPIC:RECONVENESERVICERSTANDARDS& FORECLOSURESETTLEMENTMEETING
Participants: SecretaryGeithner NealWolin JeffGoldstein DonGraves PhyllisCaldwell ElizabethWarren LucyMorris PatMcCoy RajDate
McCoy, Patricia (CFPB) 18 4/4/2011 10:12 AM

January 25, 2011 Continued Tuesday


6:30 PM - 8:30 PM

Obtained via FOIA by Judicial Watch, Inc.


Private:

(b) (6) (b) (6)

7:00 PM - 9:30 PM

Private:

January 26, 2011 Wednesday


9:30 AM - 10:00 AM Jennifer

9:30 AM - 10:00 AM

Jennifer

11:00 AM - 11:30 AM

Update from Pat on Treasury Meeting -- Pat's Office

When: Wednesday, January 26, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
For whomever can attend.
2:30 PM - 3:30 PM Sarah Apsel--mortgage servicing

2:30 PM - 3:00 PM

Pat/Sarah Meeting -- 1801 L Street, Room 530

When:Wednesday,January26,20112:30PM3:00PM(GMT05:00)EasternTime(US& Canada). Where:1801LStreet,Room530 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

January 27, 2011 Thursday


11:00 AM - 12:00 PM FW: Policy Meeting -- 1801 L St. (Conference Room 503)

When: Thursday, January 27, 2011 11:00 AM-12:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Topic:MortgageServicing
McCoy, Patricia (CFPB) 19 4/4/2011 10:12 AM

January 27, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.

*Incaseofsnow*

(b) (6)

January 28, 2011 Friday


12:30 PM - 1:30 PM Baby on Board! -- 503 (large conference room)

When: Friday, January 28, 2011 12:30 PM-1:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 (large conference room) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Dear Colleagues, Please join the Research and Markets team for dessert and punch as we toast father-to-be
(b) (6)

As the first-time parents appear well-stocked for the immediate future, we thought a (no fee) gift card might be appropriate. I am happy to collect donations thru Wednesday, January 26, and purchase a group gift on our behalf. Thanks and hope to see you there! Alejandra (research) and Alice (fair lending)

When: Friday, January 28 at 12:30pm Where: 5th floor large conference room (503)

4:00 PM - 5:00 PM

Disclosures projects -- 530

5:00 PM - 6:00 PM

Disclosure team meeting -- Mackey's

When: Friday, January 28, 2011 5:00 PM-6:00 PM. Eastern Standard Time Where: Mackey's *~*~*~*~*~*~*~*~*~* Disclosure contract has been awarded so for those on the team who have time to acknowledge this milestone, please join me tomorrow (getting the website functional is an acceptable, though undesirable, excuse, as is travelling to the Superbowl).

January 31, 2011 Monday


9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003
McCoy, Patricia (CFPB) 20 4/4/2011 10:12 AM

January 31, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
10:45 AM - 11:00 AM Discuss EW comments on TILA/RESPA -- Raj's office

When: Monday, January 31, 2011 10:45 AM-11:00 AM (GMT-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

Policy Meeting -- 503

February 01, 2011 Tuesday


9:30 AM - 10:00 AM All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 12:00 PM

Meet and Greet with Marla Blow -- Pat's Office Room 530

When: Tuesday, February 01, 2011 11:00 AM-12:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office Room 530
McCoy, Patricia (CFPB) 21 4/4/2011 10:12 AM

February 01, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Lets try for Tuesday 2/1. Thanks, Marla

Moving to Friday to adjust for policy meeting conflict. Well keep adjusting as necessary. No problem at all, Marla

1:00 PM - 2:00 PM

Servicing ANPR discussion -- 523

When: Tuesday, February 01, 2011 1:00 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* It looks like this is the best window tomorrow, though not everyone is available for the full hour. Shall we reserve it now, just in case? Ill scout for conference rooms tomorrow morning, but we can always use 529 in a pinch. Thanks
2:30 PM - 3:00 PM Talk about QM issues -- 529

When: Tuesday, February 01, 2011 2:30 PM-3:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: 529 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

5:00 PM - 6:00 PM

Mortgage Market Unit--Vision and Planning -- Raj's office

6:30 PM - 7:30 PM

Hiring Interview:

(b) (6)

McCoy, Patricia (CFPB)

22

4/4/2011 10:12 AM

February 02, 2011 Wednesday


10:00 AM - 11:00 AM

Obtained via FOIA by Judicial Watch, Inc.


Prep for DOJ meeting -- TBD

When: Wednesday, February 02, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: TBD Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 12:00 PM

Disclosure Team Update -- Pat's office (530)

3:00 PM - 3:30 PM

Len Kennedy--servicing briefing

4:45 PM - 5:45 PM

Meeting with Thomas Perrelli (Associate AG, DOJ) -- 950 Pennsylvania Avenue, NW (DOJ), Room 5706

When: Wednesday, February 02, 2011 4:45 PM-5:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: 950 Pennsylvania Avenue, NW (DOJ), Room 5706 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Topic:mortgageservicingstandards,foreclosuresettlement DOJStaff: BrianHauck,SeniorAdvisor MarisaChung,DeputyAssociateAG

February 03, 2011 Thursday


9:30 AM - 11:00 AM Policy Meeting -- 1801 L St. (Conference Room 503)

When: Thursday, February 03, 2011 9:30 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:30 AM - 12:00 PM

Servicing ANPR -- 7th floor

When: Thursday, February 03, 2011 11:30 AM-12:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 7th floor
McCoy, Patricia (CFPB) 23 4/4/2011 10:12 AM

February 03, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* It looks like this is the best window tomorrow to discuss the draft information memo and proposed ANPR questions. Realizing the time may not work for everyone, shall we reserve it now, just in case? Maybe we can meet in one of the 7th floor conference rooms? 5th floor conference rooms do not appear to be available between 11:30 and noon on 2/3.

12:15 PM - 1:45 PM

Private:

(b) (6)

2:00 PM - 2:30 PM

Call Ellen Lazar

4:00 PM - 5:00 PM

Meeting re mortgage disclosures -- TBD

When: Thursday, February 03, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: TBD Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

5:00 PM - 5:30 PM

Call on Modification Proposals -- Dial-in Number:

(b) (6)

When: Thursday, February 03, 2011 5:00 PM-5:30 PM (GMT-05:00) Eastern Time (US & Canada). (b) (6) Where: Dial-in Number: Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

McCoy, Patricia (CFPB)

24

4/4/2011 10:12 AM

February 04, 2011 Friday


10:00 AM - 11:00 AM

Obtained via FOIA by Judicial Watch, Inc.


Research, Rulewriting, and Markets Team Meeting -- 1801 L St. (Conference Room 503)

When: Friday, February 04, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:30 PM - 4:30 PM

Ethan Bernstein

February 06, 2011 Sunday


12:30 PM - 1:30 PM Brunch: Raphael Bostic and Pat McCoy (cell#'s included) -- Joe Theismann's Restaurant - 1800 A Diagonal Road, Alexandria, VA 22314

Pats cell# Reservation Details

(b) (6)

(b) (6)

Dress Code: Casual Dress Message from the Restaurant: Thank you for choosing Joe Theismann's Restaurant. Should your plans change, please let us know. We look forward to serving you. More info: Joe Theismann's Restaurant profile page<https://secure.opentable.com/joetheismanns-restaurant?kc=1&nw=1> Make another reservation <http://www.opentable.com/washington-dc-restaurants>

February 07, 2011 Monday


9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
McCoy, Patricia (CFPB) 25 4/4/2011 10:12 AM

February 07, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
10:00 AM - 10:30 AM Pam Blumenfeld

10:30 AM - 11:00 AM

Discuss servicing ANPR -- Raj's office

When:Monday,February07,201110:30AM11:00AM(GMT05:00)EasternTime(US& Canada). Where:Raj'soffice Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in # 202-927-2255 access # 464809

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

Policy Meeting -- 503

1:00 PM - 3:00 PM

Updated: Meeting with Kleimann Communication Group -- 503

(b) (2)

Pam

February 08, 2011 Tuesday


9:30 AM - 10:00 AM All Hands Meeting -- 7003

When: Tuesday, February 08, 2011 9:30 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments.
McCoy, Patricia (CFPB) 26 4/4/2011 10:12 AM

February 08, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*

10:30 AM - 12:00 PM

Jared & Ethan -- surveillance

10:30 AM - 12:00 PM

Mortage Surveillance: Strategic Planning w/ Pat, Jared, Ethan -- Pat's Office

When: Tuesday, February 08, 2011 10:30 AM-12:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:15 PM - 1:45 PM

Private:

(b) (6)

-- location TBD

3:30 PM - 4:00 PM

Adam Martinez-Hiring Procedures -- 503

February 09, 2011 Wednesday


9:30 AM - 11:00 AM Update from Maureen on QM/ATR -- 529

When: Wednesday, February 09, 2011 9:30 AM-11:00 AM (GMT-05:00) Eastern Time (US & Canada). Where: 529 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Nick, it looked like your schedule was crazy next week. Is there any chance that you would be able to make this time work? It seemed ok for everyone else from what I could see on Outlook but just let me know. Thanks
12:00 PM - 1:00 PM Policy Lunch -- 503

1:00 PM - 1:30 PM

Pam -- 530

3:00 PM - 4:00 PM

CFPB presentation on foreclosure settlement proposal -- 9202

(b) (2)

HUD attendees: Helen Kanovsky HUD General Counsel Vicki Bott Deputy Assistant Secretary for Single Family Housing Bob Ryan Deputy Assistant Secretary for Risk Management & Regulatory Affairs and FHA
McCoy, Patricia (CFPB) 27 4/4/2011 10:12 AM

February 09, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

Chief Risk Officer Damon Smith Senior Advisor to General Counsel Lionel Lynch Senior Advisor for Housing Finance and Policy Dave Stevens Assistant Secretary for Housing and FHA Commissioner may be traveling but will attend if he is in DC Our Address is: Department of Housing and Urban Development 451 7th Street, SW Conference Room 9202 South Lobby Entrance Washington, DC 20410 Upon arrival, please check in with Security (bring ID) and have them call our main number (708-2601) for an escort to our floor. (Please arrive at least 15 minutes prior to meeting for Security check-in.)

4:00 PM - 6:00 PM

FW: Policy Meeting -- 1801 L St. (Conference Room 503)

When: Wednesday, February 09, 2011 4:00 PM-6:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Geldon, Daniel (CFPB) On Behalf Of Warren, Elizabeth (CFPB) Sent: Sunday, December 05, 2010 1:29 PM To: Antonakes, Steve (CFPB); Burniston, Tim (CFPB); Morris, Lucy (CFPB); Hrdy, Alice (CFPB); Twohig, Peggy (CFPB); Coloretti, Nani (CFPB); Silberman, David (CFPB); Cochran, Kelly (CFPB); Vale, Elizabeth (CFPB); Jackson, Peter (CFPB); Date, Rajeev (CFPB); Geldon, Daniel (CFPB); Adeyemo, Adewale (Wally) (CFPB); Canfield, Anna (CFPB); McCoy, Patricia (CFPB); Cordray, Richard (CFPB) Cc: Sokolov, Dan; Sartaj Alag; Riley, Jeff (CFPB) Subject: Policy Meeting When: Wednesday, February 09, 2011 4:00 PM-6:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Topic: IT
6:30 PM - 7:30 PM Hiring Interview:

(b) (6)

February 10, 2011 Thursday


8:30 AM - 9:00 AM Mortgage Servicing Update -- 1801 L St. (550)

When: Thursday, February 10, 2011 8:30 AM-9:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550)
McCoy, Patricia (CFPB) 28 4/4/2011 10:12 AM

February 10, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 12:00 PM

Mortgage surveillance team expert interview -- Raj's office

When: Thursday, February 10, 2011 11:00 AM-12:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

RMR Team Leads and Deputies Meeting -- 501

When: Thursday, February 10, 2011 12:00 PM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

1:00 PM - 2:30 PM

Meeting re mortgage disclosures -- Raj's office

When: Thursday, February 10, 2011 1:00 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

2:30 PM - 3:00 PM

(b) (6)

-- your office

When: Thursday, February 10, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: your office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
McCoy, Patricia (CFPB) 29 4/4/2011 10:12 AM

Obtained via FOIA by Judicial Watch, Inc.

February 11, 2011 Continued Friday

Obtained via FOIA by Judicial Watch, Inc.

Where: 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:00 AM - 11:00 AM

James Nugent--MBA Intern -- 530

12:15 PM - 2:00 PM

Hiring Interview:

(b) (6)

3:30 PM - 4:00 PM

Sherrie Rhine

February 13, 2011 Sunday


All Day Private:

(b) (6)

February 14, 2011 Monday


9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
10:00 AM - 11:00 AM Kristopher Rengert -- 503

11:00 AM - 11:30 AM

CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

McCoy, Patricia (CFPB)

31

4/4/2011 10:12 AM

February 14, 2011 Continued Monday


11:30 AM - 12:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Updated: Strategize re interagency meeting -- Pat's office

I know Monday is busy but is there any chance we could use this time to prep for the interagency meeting? Thanks
12:30 PM - 1:00 PM Weekly Priorities Meeting w/ Pat and Ethan (Jared Optional) -- Pat's Office

When: Monday, February 14, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

4:00 PM - 5:00 PM

Principals Meeting -- HUD

February 15, 2011 Tuesday


11:00 AM - 11:30 AM Conference call on mod data and potential dollar/loan volume estimate --

(b) (6)

When: Tuesday, February 15, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
I know this does not work for everyone, but I think it still makes sense to have the discussion with as many of us as can join. Don
(b) (6)

12:00 PM - 2:00 PM

Lunch with Corey Stone

2:00 PM - 3:00 PM

Call with Iowa AG's office, perhaps others also -- Prof. Warren's Office

When: Tuesday, February 15, 2011 2:00 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Prof. Warren's Office
McCoy, Patricia (CFPB) 32 4/4/2011 10:12 AM

Obtained via FOIA by Judicial Watch, Inc.

February 15, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

Noon wont work for Pat. Should we try 5:30 to prep for the meeting with EW? Thanks
6:00 PM - 9:00 PM Personal:

(b) (6)

February 16, 2011 Wednesday


9:30 AM - 10:00 AM Review deck for EW w/ Pat and Ethan -- Pat's Office

When: Wednesday, February 16, 2011 9:30 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Pat, we are still working on the deck for EW tonight. I wanted to reserve time to make final revisions with you in the morning, if possible.
10:45 AM - 11:15 AM Research, Markets, and Regulation - Mortgage Disclosure -- 1801 L St. (550)

When: Wednesday, February 16, 2011 10:45 AM-11:15 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:15 AM - 11:45 AM

Mortgage Servicing Strategy -- 1801 L St. (550)

When: Wednesday, February 16, 2011 11:15 AM-11:45 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

Policy Lunch -- 503

1:15 PM - 2:00 PM

Private:

(b) (6)

3:15 PM - 4:00 PM

FW: Meeting with Ron Phipps (President, National Association of Realtors) -- 2316MT

When: Wednesday, February 16, 2011 3:15 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 2316MT
McCoy, Patricia (CFPB) 34 4/4/2011 10:12 AM

February 16, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Martin, Alyssa (CFPB) On Behalf Of Warren, Elizabeth (CFPB) Sent: Tuesday, January 18, 2011 11:22 AM To: English, Leandra (CFPB) Cc: Martinez, Zixta (CFPB) Subject: Meeting with Ron Phipps (President, National Association of Realtors) When: Wednesday, February 16, 2011 3:15 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 2316MT

Contact:JeffLischer
4:30 PM - 5:30 PM Discussion on Mortgage Markets Monitoring Function w/Pat McCoy, Jared English & Ethan Bernstein CFPB Team -- 451 7th Street, SW (South Lobby Entrance) room 8100

From: Ethan.Bernstein@treasury.gov<mailto:Ethan.Bernstein@treasury.gov> [mailto:Ethan.Bernstein@treasury.gov]<mailto:[mailto:Ethan.Bernstein@treasury.gov]> Sent: Tuesday, February 08, 2011 1:04 PM To: Meadow, Benita D Subject: Scheduling a Meeting for Pat McCoy with Raphael Bostic Hi Benita,
(b) (5)

Would he have any time next week? Thank you in advance. Ethan Ethan Bernstein Deputy Assistant Director for Mortgage and Home Equity Markets Consumer Financial Protection Bureau Implementation Team ethan.bernstein@treasury.gov<mailto:ethan.bernstein@treasury.gov<mailto:ethan.bernstein@treas ury.gov<mailto:ethan.bernstein@treasury.gov>> (202) 435-7483

McCoy, Patricia (CFPB)

35

4/4/2011 10:12 AM

February 17, 2011 Thursday


9:30 AM - 11:00 AM

Obtained via FOIA by Judicial Watch, Inc.


servicing settlement

11:00 AM - 12:00 PM

Personnel Discussion w/ Pat & Ethan -- Pat's Office

When: Thursday, February 17, 2011 11:00 AM-12:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

Mtg w/ Pat McCoy, Jane Dokko, Ethan Bernstein, Jared English re: Mortgage Team Data -- Pat's Office

When: Thursday, February 17, 2011 12:00 PM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

Jane, thank you in advance! Everyone, given the timing of the meeting, please feel free to brown bag this meeting.
2:30 PM - 3:00 PM Gathering Ideas for a Process for Rulemaking -- 530

When: Thursday, February 17, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

3:00 PM - 4:00 PM

(b) (6)

-- 530

McCoy, Patricia (CFPB)

36

4/4/2011 10:12 AM

February 17, 2011 Continued Thursday


4:30 PM - 5:30 PM

Obtained via FOIA by Judicial Watch, Inc.


Discuss next steps -- Pat's office

When: Thursday, February 17, 2011 4:30 PM-5:30 PM (GMT-05:00) Eastern Time (US & Canada). Where: Pat's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

5:00 PM - 5:30 PM

(b) (6)

-- 530

February 18, 2011 Friday


All Day Private:

(b) (6) (b) (6)

2:00 PM - 2:30 PM

Conference call on mod data and potential dollar/loan volume estimate --

(b) (6)

When:Friday,February18,20112:00PM2:30PM(GMT05:00)EasternTime(US& Canada). (b) (6) Where:DialinNumber: Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*


(b) (6)

February 21, 2011 Monday


8:30 AM - 5:00 PM Blanksheeting

9:15 AM - 10:00 AM

Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.

McCoy, Patricia (CFPB)

37

4/4/2011 10:12 AM

February 21, 2011 Continued Monday


11:00 AM - 11:30 AM

Obtained via FOIA by Judicial Watch, Inc.


CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

Policy Meeting -- 503

12:00 PM - 1:00 PM

staff meeting

February 22, 2011 Tuesday


10:30 AM - 11:30 AM Ethan -- 530

11:00 AM - 12:00 PM

Call on Loan Modifications -- Dial-in Number:

(b) (6)

When:Tuesday,February22,201111:00AM12:00PM(GMT05:00)EasternTime(US& Canada). (b) (6) Where:DialinNumber: Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*


(b) (6)

12:00 PM - 1:00 PM

staff meeting

2:00 PM - 3:00 PM

Pat McCoy and Jeff Lazerson (OTR) -- Pat's office

When: Tuesday, February 22, 2011 2:00 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

McCoy, Patricia (CFPB)

38

4/4/2011 10:12 AM

February 22, 2011 Continued Tuesday


3:00 PM - 3:30 PM

Obtained via FOIA by Judicial Watch, Inc.


New Hire Meet & Greet - Victor Prince and Patricia McCoy -- 530 - Patricia's office

When: Tuesday, February 22, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 - Patricia's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
I just started as Deputy COO and would like to briefly introduce myself, meet you, and learn about your team. Quick bullet points on my relevant background: Most recently, was in DC Mayor Fentys cabinet, running his accountability/performance management program, Recovery Act implementation, and special projects (e.g., Obama Inauguration) 5 years at Capital One in variety of management roles, including auto finance online marketing, enterprise-wide email and web marketing channel strategy, and risk and response data analysis 5 years strategy consulting (Bain & Company and internet startups) 4 years federal work experience at CIA as intelligence analyst. One of first things I will be working on will be pulling together an agency-wide operations plan, so we can spend some time discussing that too. Thanks, Victor

3:30 PM - 4:00 PM

McCoy, Patricia (CFPB)

39

4/4/2011 10:12 AM

February 22, 2011 Continued Tuesday


3:30 PM - 4:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Meet with Susan Kleimann on cities, products -- 7004

When: Tuesday, February 22, 2011 4:00 PM-4:30 PM (GMT-05:00) Eastern Time (US & Canada). Where: 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:30 PM - 5:00 PM

Discuss qualified mortgages (tentative fallback/part 2) -- 529

When: Tuesday, February 22, 2011 4:30 PM-5:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: 529 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Sorry, need to push this back to next week. I may not be able to attend but am hoping this works for everyone else. Thanks
5:15 PM - 5:45 PM Katie Porter -- 530

February 23, 2011 Wednesday


9:30 AM - 10:30 AM RMR Meeting to discuss mortgage team division of responsibilities and skill sets -- Raj's office

When: Wednesday, February 23, 2011 9:30 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

Meet with

(b) (6)

-- 530

When: Wednesday, February 23, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
McCoy, Patricia (CFPB) 40 4/4/2011 10:12 AM

February 23, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

(b) (6) ismeetingwithRajat10:30am.


12:00 PM - 1:45 PM Dalie Jimenez -- 530

12:00 PM - 1:00 PM

staff meeting

2:45 PM - 4:00 PM

Mortgage Disclosures: Prep for EW Mtg w/ Pat and Ethan -- 530

When: Wednesday, February 23, 2011 2:45 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:00 PM - 4:30 PM

Catch up re mortgage markets -- 530

When: Wednesday, February 23, 2011 4:00 PM-4:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

5:00 PM - 8:00 PM

Private:

(b) (6)

February 24, 2011 Thursday


10:30 AM - 11:30 AM ICBA Mortgage Update -- Accountability Conference Room 523

When: Thursday, February 24, 2011 10:30 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Accountability Conference Room 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
ICBA Reps: Cam Fine Karen Thomas Amy Miller

McCoy, Patricia (CFPB)

41

4/4/2011 10:12 AM

February 24, 2011 Continued Thursday


12:00 PM - 2:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Private:

(b) (6)

2:00 PM - 2:30 PM

MortMark Surveillance: Interview of Pat by Jared and Ethan -- 530

When: Thursday, February 24, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

6:30 PM - 7:30 PM

Private:

(b) (6)

February 25, 2011 Friday


10:00 AM - 10:30 AM HOLD: Meeting with Secretary Timothy F. Geithner and Staff re: Mortgage Servicing -- Secretary's Conference Room

When: Friday, February 25, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Secretary's Conference Room Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Participants: SecretaryTimothyF.Geithner PhyllisCaldwell,ChiefHomeownershipPreservationOfficer DonGraves,DeputyAssistantSecretary,SmallBusiness,Housing&Community Development KimWallace,AssistantSecretaryforLegislativeAffairs
10:00 AM - 10:30 AM Meeting with Staff -- Secretary's Small Conference Room

When:Friday,February25,201110:00AM10:30AM(UTC05:00)EasternTime(US& Canada). Where:Secretary'sSmallConferenceRoom Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

TOPIC:TheSettlement
Goldstein
McCoy, Patricia (CFPB) 42 4/4/2011 10:12 AM

February 25, 2011 Continued Friday

Obtained via FOIA by Judicial Watch, Inc.

Caldwell Graves ElizabethWarren RichardCordray RajDate PatMcCoy LucyMorris EthanBernstein

12:00 PM - 1:00 PM

staff meeting

2:00 PM - 3:00 PM

CoreLogic Economic Indicators for the economic quarterly report -- Pat's office

When: Friday, February 25, 2011 2:00 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Make two copies of the corelogic report and pick out key indicators for the economic quarterly report.
3:00 PM - 3:30 PM Policy Analyst position -- Pat's office

When: Friday, February 25, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Pat, Earlier would be better but your calendar looked really full!
4:00 PM - 5:00 PM Call with State Attorneys General re: Foreclosure Settlement

When: Friday, February 25, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:15 PM - 5:00 PM

Loan Modification Term sheet --

(b) (6)

McCoy, Patricia (CFPB)

43

4/4/2011 10:12 AM

February 25, 2011 Continued Friday

Obtained via FOIA by Judicial Watch, Inc.

------------------------------------------------------------------------This message was secured by ZixCorp(R).

February 28, 2011 Monday


9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
10:30 AM - 12:00 PM Canceled: JPM meeting re mortgage servicing / tbc -- 270 Park Avenue, 46th floor, conference room A

Attending the meeting from JPMC will be: Dan Cooney, SVP - Legal and Compliance Scott Powell, Head of Banking and Consumer Lending Operations David Schneider - EVP - Servicing and Default Stephanie Mudick - Head of Office of Consumer Practices Contact: Penny Bannister
11:00 AM - 11:30 AM

(b) (6) (b) (6)

CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

Policy Meeting -- 503

12:00 PM - 1:00 PM

staff meeting

1:30 PM - 2:00 PM

quarterly report -- 530

McCoy, Patricia (CFPB)

44

4/4/2011 10:12 AM

February 28, 2011 Continued Monday


2:30 PM - 3:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Mtg w Corey, Pat, and Ethan re: Shared Resource(s) -- 534

When: Monday, February 28, 2011 2:30 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 534 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM

Private:

(b) (6)

4:00 PM - 5:00 PM

Servicing ANPR -- Boomer Sonner Conference Room 501

When: Monday, February 28, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Boomer Sonner Conference Room 501 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

6:30 PM - 7:30 PM

Private:

(b) (6)

March 01, 2011 Tuesday


All Day FDIC--Economic Inclusion in Mortgages--Ellen Lazar

9:30 AM - 10:00 AM

All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

staff meeting

McCoy, Patricia (CFPB)

45

4/4/2011 10:12 AM

March 02, 2011 Wednesday


9:30 AM - 10:30 AM

Obtained via FOIA by Judicial Watch, Inc.


RMR Team Leads/Deputies Meeting re Discuss Division of Responsibilities and Skillsets -- 501 Boomer Sooner

When: Wednesday, March 02, 2011 9:30 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Boomer Sooner Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 12:00 PM

Disclosure Team Update -- Pat's office (530)

12:00 PM - 1:00 PM

Policy Lunch -- 503

12:00 PM - 1:00 PM

staff meeting

1:15 PM - 2:30 PM

Interviews with

(b) (6)

- 530 / 539

When: Wednesday, March 02, 2011 1:15 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 / 539 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM

Mortgage disclosure form comm rollout -- Room 503

When: Wednesday, March 02, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Room 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

Thisisjustapreliminaryconversation,buthopefullyahelpfulstartingpoint.
McCoy, Patricia (CFPB) 46 4/4/2011 10:12 AM

March 02, 2011 Continued Wednesday


4:30 PM - 5:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Discussion re: NPV Model Meeting -- Pat's Office

When: Wednesday, March 02, 2011 4:30 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
To discuss an agenda/approach for the meeting with Steve Holden.

March 03, 2011 Thursday


9:00 AM - 10:00 AM Private:

(b) (6)

10:00 AM - 12:00 PM

NCLC Meeting Regarding FCRA and Collections -- Boomer Sooner Conference Room 501

When: Thursday, March 03, 2011 10:00 AM-12:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Boomer Sooner Conference Room 501 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Chi Chi Wu and Lauren Saunders of NCLC requested this meeting.
11:00 AM - 11:30 AM FW: Meet with

(b) (6)

-- Dan's office

When: Thursday, March 03, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Dan's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Callan, Nicole (CFPB) Sent: Monday, February 28, 2011 3:44 PM To: Callan, Nicole (CFPB); Sokolov, Dan (b) (6) Subject: Meet with When: Thursday, March 03, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Dan's office

Coreyhasspokenwith (b) (6) aboutapositionintheMarketsgroup.


McCoy, Patricia (CFPB) 47 4/4/2011 10:12 AM

Obtained via FOIA by Judicial Watch, Inc.

March 03, 2011 Continued Thursday

Obtained via FOIA by Judicial Watch, Inc.


When: Thursday, March 03, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Accountability Conference Room 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* John Courson, President & CEO of MBA Steve O'Connor, Senior Vice President of Public Policy John Courson, President & CEO of MBA Steve O'Connor, Senior Vice President of Public Policy

March 04, 2011 Friday


9:00 AM - 11:00 AM Authorities Framework Meeting -- Room 503

When: Friday, March 04, 2011 9:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Room 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

10:00 AM - 12:00 PM

Ryan Stark, Deutsche Bank -- 501 Boomer Sooner

When: Friday, March 04, 2011 10:00 AM-12:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Boomer Sooner
McCoy, Patricia (CFPB) 49 4/4/2011 10:12 AM

March 04, 2011 Continued Friday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

staff meeting

12:30 PM - 1:00 PM

Mortgage Servicing and Office of Servicemember Affairs -- 1801 L St. (550)

When: Friday, March 04, 2011 12:30 PM-1:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 4:00 PM

Mortgage Disclosure -- 1801 L St. (550)

When: Friday, March 04, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:30 PM - 5:00 PM

(b) (6)

-- Pat's Office

When: Friday, March 04, 2011 4:30 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

McCoy, Patricia (CFPB)

50

4/4/2011 10:12 AM

March 07, 2011 Monday


9:15 AM - 10:00 AM

Obtained via FOIA by Judicial Watch, Inc.


Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
10:00 AM - 11:00 AM Mortgage Disclosure: Strawmodel / Structured Interview Prep -- 530

When: Monday, March 07, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

This will be a working session, not a meetingIll bring my laptop with me, and hopefully by 11am, well have those two documents ready to go. Does that sound good? Pam and Kelly, I know you two are not available during part (or all) of this timeso feel free to join as you can. I will loop back with you later as you become available. Thank you everyone for getting on the phone this afternoon. I hope everyone found it a worthwhile investment of weekend time. Ethan
11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

Policy Meeting -- 503

McCoy, Patricia (CFPB)

51

4/4/2011 10:12 AM

March 07, 2011 Continued Monday


12:00 PM - 2:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Private:

(b) (6)

-- TBD

12:00 PM - 1:00 PM

staff meeting

2:45 PM - 3:00 PM

Mortgage Servicing Call with California AG -- EW Office

When: Monday, March 07, 2011 2:45 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: EW Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM

Staffing discussion -- Raj's office

When: Monday, March 07, 2011 3:00 PM-3:30 PM (GMT-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:00 PM - 5:30 PM

(b) (6)

-- 530

March 08, 2011 Tuesday


9:30 AM - 10:00 AM All Hands Meeting -- 7004

When: Tuesday, March 08, 2011 9:30 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7004 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:30 AM - 11:00 AM

Discuss follow up -- Pat's office

When: Tuesday, March 08, 2011 10:30 AM-11:00 AM (GMT-05:00) Eastern Time (US & Canada). Where: Pat's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

McCoy, Patricia (CFPB)

52

4/4/2011 10:12 AM

March 08, 2011 Continued Tuesday


11:00 AM - 12:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Staff Planning Meeting with Human Capital Team, Part 2 -- 7002

When: Tuesday, March 08, 2011 11:00 AM-12:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Part2willcontinuetheprocessforteamsthatwerentdiscussedon3/1.
11:00 AM - 11:30 AM FW: Meeting with Bruce Marks (President and CEO, NACA) -- 1801 L St. (550)

When: Tuesday, March 08, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
This meeting is schedule for one hour (11-12pm). Will send room update shortly. EW will attend only about 20 minutes of the meeting. Many thanks for your participation. ZQM
-----Original Appointment----From: Martinez, Zixta (CFPB) On Behalf Of Warren, Elizabeth (CFPB) Sent: Monday, March 07, 2011 5:22 PM To: McCoy, Patricia (CFPB); Bernstein, Ethan (CFPB); English, Leandra (CFPB); Martin, Alyssa (CFPB) Subject: FW: Meeting with Bruce Marks (President and CEO, NACA) When: Tuesday, March 08, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550)

Pat and Ethan, EW meets w NACAs Bruce Marks for less than hr, but we really need your participation until 12:00pm. Room will be changed. I will be joining you for the duration. ZQM
-----Original Appointment----From: Martin, Alyssa (CFPB) On Behalf Of Warren, Elizabeth (CFPB) Sent: Wednesday, February 23, 2011 2:43 PM To: McCoy, Patricia (CFPB); Bernstein, Ethan (CFPB) Subject: Meeting with Bruce Marks (President and CEO, NACA) When: Tuesday, March 08, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550)

McCoy, Patricia (CFPB)

53

4/4/2011 10:12 AM

March 08, 2011 Continued Tuesday


12:00 PM - 1:00 PM

Obtained via FOIA by Judicial Watch, Inc.


staff meeting

1:30 PM - 2:30 PM

AIM-Chris Katopsis

3:00 PM - 3:30 PM

Meet with

(b) (6)

-- Room 679

When: Tuesday, March 08, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Room 679 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

2:00 DanSokolov 2:30 JaneDokko 3:00 PatMcCoy 3:30 AliceHrdy


3:30 PM - 4:00 PM Meet with

(b) (6)

-- 503

When: Tuesday, March 08, 2011 3:30 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

2:00pm AliceHrdy 2:30pm DanSokolov 3:00pm JaneDokko 3:30pm PatMcCoy


McCoy, Patricia (CFPB) 54 4/4/2011 10:12 AM

March 09, 2011 Wednesday


9:00 AM - 10:00 AM

Obtained via FOIA by Judicial Watch, Inc.


Meeting with Professor Warren -- Chairman's Office, FDIC

When: Wednesday, March 09, 2011 9:00 AM-10:00 AM (GMT-05:00) Eastern Time (US & Canada). Where: Chairman's Office, FDIC Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* :

------------------------------------------------------------------------This message was secured by ZixCorp(R).

10:00 AM - 11:00 AM

RMR Team Leads/Deputies Meeting -- 501 Boomer Sooner Conference Room

When: Wednesday, March 09, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Boomer Sooner Conference Room Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:15 AM - 12:00 PM

Follow up -- Pat's office

When: Wednesday, March 09, 2011 11:15 AM-12:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: Pat's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

Policy Lunch -- 503

12:00 PM - 1:00 PM

staff meeting

McCoy, Patricia (CFPB)

55

4/4/2011 10:12 AM

March 09, 2011 Continued Wednesday


1:30 PM - 2:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Meet with

(b) (6)

-- TBD

When: Wednesday, March 09, 2011 1:30 PM-2:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: TBD Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

3:00 PM - 3:30 PM

Phone calls

4:00 PM - 5:30 PM

(b) (6)

-- 530

March 10, 2011 Thursday


9:00 AM - 10:00 AM FW: Policy Meeting -- 1801 L St. (Conference Room 503)

When: Thursday, March 10, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503) Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

-----Original Appointment----From: Geldon, Daniel (CFPB) On Behalf Of Warren, Elizabeth (CFPB) Sent: Sunday, December 05, 2010 1:29 PM To: Antonakes, Steve (CFPB); Burniston, Tim (CFPB); Morris, Lucy (CFPB); Hrdy, Alice (CFPB); Twohig, Peggy (CFPB); Coloretti, Nani (CFPB); Silberman, David (CFPB); Cochran, Kelly (CFPB); Vale, Elizabeth (CFPB); Jackson, Peter (CFPB); Date, Rajeev (CFPB); Geldon, Daniel (CFPB); Adeyemo, Adewale (Wally) (CFPB); Canfield, Anna (CFPB); Cordray, Richard (CFPB); McCoy, Patricia (CFPB); Martinez, Zixta (CFPB); Bernstein, Ethan (CFPB) Cc: Sokolov, Dan; Riley, Jeff (CFPB); Alag, Sartaj; Howard, Jennifer (CFPB); Fuchs, Meredith (CFPB); West, Catherine (CFPB); Gordon, Michael (CFPB); Gonzalez, Roberto Subject: Policy Meeting When: Thursday, March 10, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (Conference Room 503)

McCoy, Patricia (CFPB)

56

4/4/2011 10:12 AM

March 10, 2011 Continued Thursday


10:00 AM - 10:20 AM

Obtained via FOIA by Judicial Watch, Inc.


Meeting re: Meetings -- 530

When: Thursday, March 10, 2011 10:00 AM-10:20 AM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Okay, so I think we are all feeling a bit over-meetinged. Although perhaps a bit ironic, the goal of this meeting will be to discuss how we can make our meetings more efficient. I will come to the table with a series of possibilities for ways project teams often become high-performing in this way. Please feel free to bring your ideas as well.
(b) (5)

10:30 AM - 10:50 AM

Pat and Ethan Catchup re: Disclosure Engagement, Hiring, ICBA -- 530

When: Thursday, March 10, 2011 10:30 AM-10:50 AM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Pat, I think we need 20 minutes in the morning just to get through a series of outstanding issues. Ill bring the agendayou just need to show-up. Ethan
11:45 AM - 1:15 PM Lunch Meeting with Richard Davis (President and CEO, US Bancorp) -- 2316MT

When: Thursday, March 10, 2011 11:45 AM-1:15 PM (UTC-05:00) Eastern Time (US & Canada). Where: 2316MT Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
USBancorpStaff: RichardHartnack,Consumer&SmallBusinessBanking DanielArrigoni,USBankHomeMortgage BobSmiley,VPofLoanAdministrationforUSBankHomeMortgage

McCoy, Patricia (CFPB)

57

4/4/2011 10:12 AM

March 10, 2011 Continued Thursday


12:00 PM - 2:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Private:

(b) (6)

- lunch

12:00 PM - 1:00 PM

staff meeting

2:00 PM - 2:30 PM

Mandatory meeting w/Wally -- 7001

When: Thursday, March 10, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 7001 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

2:00 PM - 2:30 PM

Ph.D. candidates -- Dan or Pat's office

When: Thursday, March 10, 2011 2:00 PM-2:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Dan or Pat's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
I mistakenly scheduled the candidate review meeting for Monday when it would be preferable for Jane that it occur on Tu-Th. No conf room available but I figure we can fit (b) (6) in either Dan or Pats office. We will have interviewed everyone except whom we can circle up about early the next week.

March 11, 2011 Friday


9:00 AM - 11:00 AM Work time

10:30 AM - 11:30 AM

Check in with Pat McCoy -- Raj's office

When: Occurs every Friday effective 3/11/2011 from 10:30 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:30 AM - 11:30 AM

Planning

McCoy, Patricia (CFPB)

58

4/4/2011 10:12 AM

March 11, 2011 Continued Friday


12:00 PM - 1:00 PM

Obtained via FOIA by Judicial Watch, Inc.


CFPB Lunch & Learn: Office of Procurement -- Conference Room 503

When:Friday,March11,201112:00PM1:00PM(UTC05:00)EasternTime(US& Canada). Where:ConferenceRoom503 Note:TheGMToffsetabovedoesnotreflectdaylightsavingtimeadjustments. *~*~*~*~*~*~*~*~*~*

You are Invited to a CFPB Lunch & Learn! Topic: Procurement: How Do I Purchase Items/Services
in the Federal Government?
Date: Friday, March 11, 2011 Time: 12:00 pm - 1:00 pm Place: Room 503 1801 L St. Facilitator: David Gragan

Purpose: Do you have questions about the government procurement process? Are you new to the federal government and wish you could go to Staples and buy supplies? This lunch and learn will give you, the customer, an opportunity to learn everything you need to know to navigate the procurement space in the federal government. David Gragan will also discuss CFPBs vision for making this the best procurement shop in government.

12:00 PM - 1:00 PM

staff meeting

1:00 PM - 5:00 PM

Work Time

1:00 PM - 3:00 PM

Mtg w/ Pat and Ethan -- 530

When: Friday, March 11, 2011 1:00 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

McCoy, Patricia (CFPB)

59

4/4/2011 10:12 AM

March 11, 2011 Continued Friday

Obtained via FOIA by Judicial Watch, Inc.


(b) (5)

(b) (6) (7)Couldyouremindme:inadditionto ,whoare theothertwopeoplefromGarry'spileofvitaswhomweaskedto interview?IwanttomakesurethatwhenNicoleschedulesallthree people,thatIhaveafullhourtotalkwitheach.

3:30 PM - 5:00 PM

Planning

3:30 PM - 4:00 PM

Ren Essene--HMDA --

(b) (6)

5:30 PM - 7:00 PM

Nani Coloretti Departure Party -- 8003

When: Friday, March 11, 2011 5:30 PM-7:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 8003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

March 12, 2011 Saturday


10:30 AM - 11:30 AM Planning

3:30 PM - 5:00 PM

Planning

March 13, 2011 Sunday


10:30 AM - 11:30 AM Planning

3:30 PM - 5:00 PM

Planning

McCoy, Patricia (CFPB)

60

4/4/2011 10:12 AM

March 14, 2011 Monday


9:15 AM - 10:00 AM

Obtained via FOIA by Judicial Watch, Inc.


Team Lead Weekly Check-in Meeting -- 7003

When: Occurs every Monday effective 1/31/2011 from 9:15 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
10:00 AM - 10:30 AM Meet with

(b) (6)

-- 530

When: Monday, March 14, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

9:30 Garry 10:00 PatandEthan


10:30 AM - 11:30 AM Planning

10:30 AM - 11:00 AM

Gordon/McCoy meeting -- McCoy's office

When: Monday, March 14, 2011 10:30 AM-11:00 AM (GMT-05:00) Eastern Time (US & Canada). Where: McCoy's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Thanks, Pat.
11:00 AM - 11:30 AM CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
McCoy, Patricia (CFPB) 61 4/4/2011 10:12 AM

March 14, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

11:00 AM - 11:30 AM

Policy Meeting -- 503

11:30 AM - 12:00 PM

discuss disclosure project management -- Pat's office

When: Monday, March 14, 2011 11:30 AM-12:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 1:30 PM

Alys Cohen

1:45 PM - 2:45 PM

Lawrence Yun, Jeff Lischer, Charlie Dawson--National Association of Realtors -- 7001

Ethan, Could you reserve a conference room for this meeting? Thanks--Pat
3:30 PM - 5:00 PM Planning

4:00 PM - 5:30 PM

Mortgage Mtg. -- 503

When: Monday, March 14, 2011 4:00 PM-5:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

6:00 PM - 7:00 PM

Policy Mtg. -- 503

When: Monday, March 14, 2011 6:00 PM-7:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
More details to come on the agenda/format of the meeting

McCoy, Patricia (CFPB)

62

4/4/2011 10:12 AM

March 15, 2011 Tuesday


9:30 AM - 10:00 AM

Obtained via FOIA by Judicial Watch, Inc.


All Hands Meeting -- 7002

When: Occurs every Tuesday effective 10/26/2010 from 9:30 AM to 10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:20 AM - 11:00 AM

Meeting w/ Pat and Ethan -- 530

When: Tuesday, March 15, 2011 10:20 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

10:30 AM - 11:30 AM

Planning

12:00 PM - 1:00 PM

staff meeting

2:30 PM - 3:30 PM

Meet with Steve Holden, Fannie Mae re NPV models -- 523 Accountability Conference Room

When: Tuesday, March 15, 2011 2:30 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 523 Accountability Conference Room Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

McCoy, Patricia (CFPB)

March 15, 2011 Continued Tuesday


3:30 PM - 5:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Planning

4:30 PM - 5:30 PM

Ethics discussion re possible participation in Advisory Committee organized by the Joint Center on Housing Studies at Harvard University -- Pat's Office - Room 530

When: Tuesday, March 15, 2011 4:30 PM-5:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office - Room 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

5:30 PM - 7:00 PM

Policy Topics -- 503

When: Tuesday, March 15, 2011 5:30 PM-7:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

6:00 PM - 9:00 PM

Private:

(b) (6)

March 16, 2011 Wednesday


All Day New American Foundation event

9:00 AM - 10:00 AM

Staff Planning Meeting with Human Capital Team, Part 3 -- 501

When: Wednesday, March 16, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Thepurposeofthismeetingistoreviewresearchteamstaffing.
10:00 AM - 11:30 AM Testimony Viewing -- 7001

When: Wednesday, March 16, 2011 10:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7001 Note: The GMT offset above does not reflect daylight saving time adjustments.
McCoy, Patricia (CFPB) 64 4/4/2011 10:12 AM

Obtained via FOIA by Judicial Watch, Inc.

Obtained via FOIA by Judicial Watch, Inc.

March 16, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*

5:30 PM - 6:30 PM

Meet with

(b) (6)

markets candidate -- 530

When: Wednesday, March 16, 2011 5:30 PM-6:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

3:30 DanSokolovandGarryReeder(532) 4:00 MarlaBlow(536) 4:30 CoreyStone(534) 5:00 EthanBernstein 5:30 PatMcCoy(530)

March 17, 2011 Thursday


9:00 AM - 9:30 AM Meet with

(b) (6)

-- 530

When: Thursday, March 17, 2011 9:00 AM-9:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Rajaskedmetoarrangeatimethatyoucouldmeetwith herbioattached.
(b) (6)

(b) (6)

Pleasefind

9 PatMcCoy 9:30 RajDate 10 DanSokolov 10:30 DanGeldon 11 ElizabethVale


McCoy, Patricia (CFPB) 67 4/4/2011 10:12 AM

March 17, 2011 Continued Thursday


10:30 AM - 11:30 AM

Obtained via FOIA by Judicial Watch, Inc.


Planning

11:00 AM - 3:00 PM

Brookings event

3:30 PM - 5:00 PM

Planning

5:30 PM - 6:30 PM

Meet with

(b) (6)

-- 530

When: Thursday, March 17, 2011 5:30 PM-6:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

3:30 Garry 4:00 Ethan 5:00 Raj 5:30 Pat March 18, 2011 Friday
9:30 AM - 10:30 AM RMR Team Leads/Deputies Meeting -- 501 Boomer Sooner

When: Friday, March 18, 2011 9:30 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Boomer Sooner Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

(b) (5)

McCoy, Patricia (CFPB)

68

4/4/2011 10:12 AM

March 18, 2011 Continued Friday


10:30 AM - 11:30 AM

Obtained via FOIA by Judicial Watch, Inc.


Planning

10:30 AM - 11:00 AM

Check in with Pat McCoy -- Raj's office

When: Friday, March 18, 2011 10:30 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:00 PM - 12:30 PM

Check in with Pat McCoy Part II -- Raj's office

When: Friday, March 18, 2011 12:00 PM-12:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

12:15 PM - 2:00 PM

Private:

(b) (6)

-- Downstairs lobby

2:00 PM - 4:00 PM

Review sample disclosures with contractor -- 503

When: Friday, March 18, 2011 2:00 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
The contractor will present some designs to us for discussion.
3:30 PM - 5:00 PM Planning

4:00 PM - 5:00 PM

Finalize 7-page simple presentation for CFPB Policy Meeting on Monday -- 530

When: Friday, March 18, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
We need to finalize (and substantially simplify) the 15-minute presentation for the CFPB Policy Meeting (the broad group one) on Monday. This should give us enough time to do
McCoy, Patricia (CFPB) 69 4/4/2011 10:12 AM

March 18, 2011 Continued Friday

Obtained via FOIA by Judicial Watch, Inc.

that.

March 19, 2011 Saturday


10:30 AM - 11:30 AM Planning

3:30 PM - 5:00 PM

Planning

March 20, 2011 Sunday


10:30 AM - 11:30 AM Planning

3:30 PM - 5:00 PM

Planning

March 21, 2011 Monday


9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 7003

When: Monday, March 21, 2011 9:15 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
10:30 AM - 11:30 AM Planning

11:00 AM - 11:30 AM

CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6)

When: Occurs every Monday effective 1/3/2011 until 3/7/2012 from 11:00 AM to 11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in # Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 11:30 AM

Policy Meeting -- 503

12:00 PM - 1:00 PM

work

McCoy, Patricia (CFPB)

70

4/4/2011 10:12 AM

March 21, 2011 Continued Monday


1:00 PM - 2:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Illinois courts training session conference call

3:00 PM - 4:00 PM

discuss qualitative study with Kleimann team -- 503

When: Monday, March 21, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:30 PM - 5:00 PM

Planning

March 22, 2011 Tuesday


10:30 AM - 11:30 AM Planning

11:30 AM - 12:00 PM

Meet with

(b) (6)

-- 530

When: Tuesday, March 22, 2011 11:30 AM-12:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Coreyaskedtosetupthismeeting.
( (b) (6)

10:30 Raj 11:00 David 11:30 Pat Position: CreditReporting/FCRAlead Previouscontact:MetwithCoreyinlateFebruary Interviewtype:Recruiting Casestudy:No
12:15 PM - 2:00 PM Wei Li -- lunch -- Daily Grill

McCoy, Patricia (CFPB)

71

4/4/2011 10:12 AM

March 22, 2011 Continued Tuesday


2:30 PM - 3:30 PM

Obtained via FOIA by Judicial Watch, Inc.


(b) (6)
Planning -- 503

3:30 PM - 5:00 PM

3:30 PM - 4:00 PM

Pre-meeting re GAO -- Pat's office

When: Tuesday, March 22, 2011 3:30 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

4:00 PM - 6:00 PM

Meghana Acharya--GAO -- 501

5:30 PM - 5:45 PM

Check-in with Pat McCoy -- Raj's office

When: Tuesday, March 22, 2011 5:30 PM-5:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

6:00 PM - 6:15 PM

Check in re

(b) (6)

-- Raj's office

When: Tuesday, March 22, 2011 6:00 PM-6:15 PM (UTC-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Dialintofollow.
(b) (6)

McCoy, Patricia (CFPB)

72

4/4/2011 10:12 AM

March 23, 2011 Wednesday


10:00 AM - 11:00 AM

Obtained via FOIA by Judicial Watch, Inc.


Touch base on disclosures project -- 523

When: Wednesday, March 23, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 523 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:30 AM - 11:30 AM

Planning

11:00 AM - 12:00 PM

Disclosure Team Update -- Pat's office (530)

11:00 AM - 12:00 PM

Discuss QRM draft -- 503

When: Wednesday, March 23, 2011 11:00 AM-12:00 PM (GMT-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Im not sure this time actually works for everyone but maybe we can divide half to discuss the main QRM proposal and half servicing? Please email me if you have a preference for the first or second half. Thanks
12:00 PM - 1:00 PM Policy Lunch -- 503

12:00 PM - 1:00 PM

staff meeting

2:00 PM - 3:00 PM

Data Set Meeting -- Pat's Office

When: Wednesday, March 23, 2011 2:00 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
The goal of this meeting is to decide what the next step will be in order to secure the data sets we require.
3:00 PM - 4:00 PM Discussion of March 31st Agenda -- Pat's Office

When: Wednesday, March 23, 2011 3:00 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: Pat's Office
McCoy, Patricia (CFPB) 73 4/4/2011 10:12 AM

March 23, 2011 Continued Wednesday

Obtained via FOIA by Judicial Watch, Inc.

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
As per your email but earlier or later will also work for me. Thanks, Chris
3:30 PM - 5:00 PM Planning

4:00 PM - 5:00 PM

FW: quan discussion -- room 501, 1801 L Street, NW

When: Wednesday, March 23, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: room 501, 1801 L Street, NW Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Pat, I just realized you werent on this initial invite. Wanted to make sure you had this in your calendar in case you wanted to attend and/or drop by for part of the meeting.
-----Original Appointment----From: Blumenthal, Pamela (CFPB) Sent: Thursday, March 17, 2011 4:19 PM To: Blumenthal, Pamela (CFPB); Bernstein, Ethan (CFPB); Susan D. Kleimann; (b) (6) (b) (6) Perry, Vanessa (CFPB); Subject: quan discussion When: Wednesday, March 23, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: room 501, 1801 L Street, NW

When: Wednesday, March 23, 2011 4:00 PM-5:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: room 501, 1801 L Street, NW Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

5:00 PM - 7:00 PM

Private:

(b) (6)

McCoy, Patricia (CFPB)

74

4/4/2011 10:12 AM

March 24, 2011 Thursday


10:00 AM - 11:00 AM

Obtained via FOIA by Judicial Watch, Inc.


RMR Team Leads/Deputies Meeting -- 501 Boomer Sooner

When: Thursday, March 24, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Boomer Sooner Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* Agenda 1. Continuation of Rulemaking procedures discussion (30 mins) 2. Specialty Finance presentation of priorities, projects and deadlines (30 mins)
10:30 AM - 11:30 AM Planning

12:00 PM - 12:30 PM

staff meeting

12:30 PM - 2:30 PM

Private:

(b) (6)

-- 1120 19th St NW

3:30 PM - 5:00 PM

Planning

3:30 PM - 4:30 PM

Check in with Pat McCoy -- Raj's office

When: Thursday, March 24, 2011 3:30 PM-4:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: Raj's office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

5:00 PM - 10:00 PM

(b) (6)

6:00 PM - 8:00 PM

March 25, 2011 Friday


All Day Private:

(b) (6)

McCoy, Patricia (CFPB)

75

4/4/2011 10:12 AM

March 25, 2011 Continued Friday


10:00 AM - 11:00 AM

Obtained via FOIA by Judicial Watch, Inc.


Private:

(b) (6) -- Farmington

10:30 AM - 11:30 AM

Planning

2:00 PM - 3:00 PM

Private:

(b) (6)

-- Chase Hall, UConn Law

3:30 PM - 5:00 PM

Planning

March 26, 2011 Saturday


10:30 AM - 11:30 AM Planning

3:30 PM - 5:00 PM

Planning

March 27, 2011 Sunday


10:30 AM - 11:30 AM Planning

3:30 PM - 5:00 PM

Planning

March 28, 2011 Monday


9:15 AM - 10:00 AM Team Lead Weekly Check-in Meeting -- 10003

When: Monday, March 28, 2011 9:15 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 10003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* We will be holding a team lead meeting once a week. Given our size, I ask that only one representative from each team attend.
10:00 AM - 10:30 AM Quick chat about our 11:30 disclosure project meeting? -- Your office

When: Monday, March 28, 2011 10:00 AM-10:30 AM (UTC-05:00) Eastern Time (US & Canada). Where: Your office Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

McCoy, Patricia (CFPB)

76

4/4/2011 10:12 AM

March 28, 2011 Continued Monday


10:30 AM - 11:30 AM

Obtained via FOIA by Judicial Watch, Inc.


Planning

11:00 AM - 11:30 AM

CFPB Policy Team- Weekly Update -- Full Disclosure Room 503 - call-in #

(b) (6) When: Monday, March 28, 2011 11:00 AM-11:30 AM (UTC-05:00) Eastern Time (US & Canada). (b) (6) Where: Full Disclosure Room 503 - call-in #

Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* -----------------------------------------------------------------------------------------------The schedule and electronic copies of presentations can be found here: (b) (2)
11:00 AM - 11:30 AM Policy Meeting -- 503

12:00 PM - 1:00 PM

staff meeting

1:00 PM - 3:00 PM

review next round disclosure design -- 503

When: Monday, March 28, 2011 1:00 PM-3:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

3:00 PM - 3:30 PM

Hud SAFE Act Proposed Rule Comment Response -- 503

When: Monday, March 28, 2011 3:00 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
We were able to get Full Disclosure (503) for the meeting at 3. See you there.
(b) (5)

McCoy, Patricia (CFPB)

77

4/4/2011 10:12 AM

March 28, 2011 Continued Monday


3:30 PM - 5:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Planning

3:30 PM - 4:30 PM

Meet with

(b) (6)

-- 530

When: Monday, March 28, 2011 3:30 PM-4:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Rajisconsidering(b) (6) foraseniorpolicyanalystpositionwithinmortgagemarketsora senioradvisorposition. 2:00 GarryReeder 2:30 DavidSilberman 3:00 ProfessorWarren 3:30 PatMcCoy(EthanwilljoinPatat4pm)
(b) (6)

4:30 PM - 5:30 PM

Meet with

(b) (6)

markets candidate -- 530

When: Monday, March 28, 2011 4:30 PM-5:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (6)

3:30 EthanBernstein 4:00 GarryReeder 4:30 PatMcCoy


5:30 PM - 5:45 PM Check in re

(b) (6)

- 532

When: Monday, March 28, 2011 5:30 PM-5:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: 532 Note: The GMT offset above does not reflect daylight saving time adjustments.
McCoy, Patricia (CFPB) 78 4/4/2011 10:12 AM

March 28, 2011 Continued Monday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*
Dialintofollow.
(b) (6)

March 29, 2011 Tuesday


9:00 AM - 10:00 AM Private:

(b) (6)

-- 1120 19th St NW

9:30 AM - 10:00 AM

All Hands Meeting -- 7002

When: Tuesday, March 29, 2011 9:30 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7002 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

10:00 AM - 11:00 AM

RMR All Hands -- 503

When: Tuesday, March 29, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Agenda 1. Re-introductions Raj 2. Directorate Plan (office descriptions, etc.) Raj 3. Templates Amanda 4. SBREFA Dan 5. Q&A
10:30 AM - 11:30 AM Planning

11:00 AM - 12:30 PM

Mortgage Disclosure -- 1801 L St. (550)

When: Tuesday, March 29, 2011 11:00 AM-12:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 1801 L St. (550) Note: The GMT offset above does not reflect daylight saving time adjustments.
McCoy, Patricia (CFPB) 79 4/4/2011 10:12 AM

March 29, 2011 Continued Tuesday

Obtained via FOIA by Judicial Watch, Inc.

*~*~*~*~*~*~*~*~*~*

12:00 PM - 1:00 PM

staff meeting

1:00 PM - 2:15 PM

Confirmed: AFR Meeting re Nat'l Srvcg Standards -- 7003

When: Tuesday, March 29, 2011 1:00 PM-2:15 PM (UTC-05:00) Eastern Time (US & Canada). Where: 7003 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

2:30 PM - 3:30 PM

Mtg w/ Pam, Pat, Kelly, Rich, Colgate, Tom & Ethan re: Disclosure Content -- 501 Boomer Sooner

When: Tuesday, March 29, 2011 2:30 PM-3:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Boomer Sooner Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Agenda to come.
3:30 PM - 5:00 PM Planning

March 30, 2011 Wednesday


10:00 AM - 11:00 AM Phone Mtg w/ Paul Michaud (Essex Bank, Senior Vice President, Mortgage & Consumer Lending), McCoy, Bernstein -- 530 / 410-721-8418

When: Wednesday, March 30, 2011 10:00 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 530 / 410-721-8418 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

McCoy, Patricia (CFPB)

80

4/4/2011 10:12 AM

March 30, 2011 Continued Wednesday


11:30 AM - 12:30 PM

Obtained via FOIA by Judicial Watch, Inc.


RMR Team Leads/Deputies Meeting -- 501 Boomer Sooner

When: Wednesday, March 30, 2011 11:30 AM-12:30 PM (UTC-05:00) Eastern Time (US & Canada). Where: 501 Boomer Sooner Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~* 1. Specialty Finance priorities, projects and deadlines (Corey: 30 minutes) 2. QRM (Dan: 30 minutes)
12:00 PM - 1:00 PM Policy Lunch -- 503

12:00 PM - 1:00 PM

staff meeting

1:30 PM - 2:45 PM

Mortgage Bankers Asso re TILA/RESPA, SAFE Act & QM -- Room 503

When: Wednesday, March 30, 2011 1:30 PM-2:45 PM (UTC-05:00) Eastern Time (US & Canada). Where: Room 503 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
(b) (5)

There will be 5/6 MBA representatives, including Ken Markison, a large bank rep, a small bank rep, and New Jersey bank rep. Final agenda and meeting participants will be be confirmed shortly. ZQM

3:30 PM - 5:00 PM

Planning

4:00 PM - 4:15 PM

Pat McCoy Upcoming Meetings/Invites Check-In -- Your Ofc

When: Wednesday, March 30, 2011 4:00 PM-4:15 PM (UTC-05:00) Eastern Time (US & Canada). Where: Your Ofc Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

McCoy, Patricia (CFPB)

81

4/4/2011 10:12 AM

March 30, 2011 Continued Wednesday


4:30 PM - 5:30 PM

Obtained via FOIA by Judicial Watch, Inc.


QRM Proposed Rule -- 503

5:30 PM - 6:00 PM

Check in with Pat McCoy -- Raj's office

March 31, 2011 Thursday


9:00 AM - 10:00 AM Mortgage Lead Position PDs -- Ethan's Office 539

When: Thursday, March 31, 2011 9:00 AM-10:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: Ethan's Office 539 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Hi all, As discussed, well start discussing the two lead positions with Ethan tomorrow at 9, with Pat joining us when she can. Thank you, Agnes

10:30 AM - 11:30 AM

Planning

10:30 AM - 11:00 AM

Meeting w/Eric Stein -- 7308

When: Thursday, March 31, 2011 10:30 AM-11:00 AM (UTC-05:00) Eastern Time (US & Canada). Where: 7308 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*

11:00 AM - 3:00 PM

Briefing on issues in mortgage servicing and bank walkaways -- 503

Prof. Frank Alexander at Emory University Law School has specifically organized for everyone at CFPB working in the area a special briefing on issues in mortgage servicing. In addition to Prof. Alexander, Kevin Byers, an Atlanta forensic accountant specializing in problems in the servicing industry and Dr. Daniel Immergluck, an expert in mortgage regulation, will conduct the briefing. I urge as many of us as possible to attend. The location is near our offices.
12:00 PM - 1:00 PM staff meeting

McCoy, Patricia (CFPB)

82

4/4/2011 10:12 AM

March 31, 2011 Continued Thursday


3:30 PM - 5:00 PM

Obtained via FOIA by Judicial Watch, Inc.


Planning

3:30 PM - 4:00 PM

Meet with

(b) (6)

-- 530

When: Thursday, March 31, 2011 3:30 PM-4:00 PM (UTC-05:00) Eastern Time (US & Canada). Where: 530 Note: The GMT offset above does not reflect daylight saving time adjustments. *~*~*~*~*~*~*~*~*~*
Raj,DanSokolov,JaneDokko,GarryReederandCoreyStonehavemetwith (b) (6) Rajwouldlikeyoutomeetwithhim.HeisinterestedintheDirectorofResearchposition aswellasotherrolesontheRMRteam.
(b) (6)

2:00 PeggyTwohig(563) 2:30 DavidSilberman(536) 3:00 RichardCordray(557) 3:30 PatMcCoy(530) 4:00 TraveltoMainTreasury 4:30 ElizabethWarren(2316MT)
5:30 PM - 7:00 PM Private:

(b) (6)

McCoy, Patricia (CFPB)

83

4/4/2011 10:12 AM

Obtained via FOIA by Judicial Watch, Inc.


From: To: Subject: Date: Kitt, Brett (CFPB) Michalosky, Martin (CFPB); Holzerland, William (CFPB) FW: (BN) Banks Object to U.S. Consumer Bureau Sharing Data With Wednesday, September 28, 2011 11:30:05 AM

FYI Brett M. Kitt Senior Counsel Office of the General Counsel Consumer Financial Protection Bureau Tel: 202 435 7087 consumerfinance.gov Confidentiality Notice: If you received this email by mistake, you should notify the sender of the mistake and delete the e-mail and any attachments. An inadvertent disclosure is not intended to waive any privileges. -----Original Message----From: Fuchs, Meredith (CFPB) Sent: Tuesday, September 27, 2011 3:17 PM To: Kitt, Brett (CFPB); Lepley, Richard (CFPB) Subject: FW: (BN) Banks Object to U.S. Consumer Bureau Sharing Data With

-----Original Message----From: Howard, Jennifer (CFPB) Sent: Tuesday, September 27, 2011 3:09 PM To: Adeyemo, Adewale (Wally) (CFPB); Alag, Sartaj (CFPB); Antonakes, Steve (CFPB); Cabot, Chloe (CFPB); Canfield, Anna (CFPB); Chanin Leonard (CFPB); Chopra, Rohit (CFPB); Cochran, Kelly (CFPB); Constantine, Eleni (CFPB); Cordray, Richard (CFPB); Cumpiano, Flavio (CFPB); D'Angelo, Chris (CFPB); Date, Rajeev (CFPB); Deutsch, Rebecca (CFPB); English, Leandra (CFPB); Ficklin, Patrice (CFPB); Forrest, David (CFPB); Frotman, Seth (CFPB); Fuchs, Meredith (CFPB); Goldfarb, Rachael (CFPB); Gonzalez, Roberto (CFPB); Gordon, Ashley (CFPB); Gordon, Michael (CFPB); Gossett, David (CFPB); Gragan, David (CFPB); Gupta, Deepak (CFPB); Hillebrand, Gail (CFPB); Holland, Megan (CFPB); Howard, Jennifer (CFPB); Hrdy, Alice (CFPB); Hupp, James (CFPB); Jackson, Peter (CFPB); Jimenez, Dalie (CFPB); Kennedy, Leonard (CFPB); Kunin, Noah (CFPB); Lev, Ori (CFPB); Logan, Amanda (CFPB); Markus, Kent (CFPB); Martinez, Zixta (CFPB); McCoy, Patricia (CFPB); McDonald, Alicia (CFPB); Meyer, Erie (CFPB); Morris, Lucy (CFPB); Munz, Daniel (CFPB); Nakamura, Kent (CFPB); O'Mealia, Sean (CFPB); Petraeus, Holly (CFPB); Rathod, Nicholas (CFPB); RD; Reeder, Garry (CFPB); Riley, Jeffrey (CFPB); Sealy, William (CFPB); Shapiro, Barton (CFPB); Silberman, David (CFPB); Sokolov, Dan (CFPB); Stone, Bayard (Corey) (CFPB); Twohig, Peggy (CFPB); Vaeth, Chris (CFPB); Vale, Elizabeth (CFPB); VanMeter, Stephen (CFPB); West, Catherine (CFPB); Wiggins, Charles (Hunter) (CFPB); Willey, Chris (CFPB); Witt, Michael (CFPB); Zorc, Anne (CFPB) Subject: (BN) Banks Object to U.S. Consumer Bureau Sharing Data With Banks Object to U.S. Consumer Bureau Sharing Data With States 2011-09-27 04:00:01.0 GMT By Carter Dougherty Sept. 27 (Bloomberg) -- Banks are pushing the U.S. Consumer Financial Protection Bureau to limit information-sharing with states out of concern that attorneys general could file lawsuits based on private data collected by the agencys examiners.

Obtained via FOIA by Judicial Watch, Inc.


The dispute, part of the financial industrys efforts to limit the reach of the Dodd-Frank overhaul of rules for Wall Street, revolves around a regulation on disclosure of records and information that the agency issued on July 21, its first official day of work. The rule said sharing some confidential data with states may serve the public interest. Such cooperation could upend the traditional relationships between large banks and their federal regulators, notably the Office of the Comptroller of the Currency. The OCC has used its authority to prevent state law enforcement officials from obtaining information from national banks including JPMorgan Chase & Co. and Bank of America Corp. The bureau is suggesting anything we provide will go straight to the state attorneys general, said L. Richard Fischer, a banking lawyer with Morrison Foerster LLC who represents the American Bankers Association and the Financial Services Roundtable. Providing data to states will terrorize large banks, Fischer said. The consumer bureau took public comments on the rule through Sept. 26, suggesting it may revise the policy. Fischer said that the banks concerns center on the confidential nature of the examination process. For example, he said, if the bureaus bank examiners found potential violations of federal consumer law, they might write a report directing the firms board to make changes and redress wrongs, all out of the public eye. Private Lawsuits If the bureau alerted attorneys general, however, states could file lawsuits or subpoena the data, Fischer said. Potentially, he said, private lawsuits could follow. Supporters of the bureaus policy said the regulation is only fleshing out the mandate of Dodd-Frank for closer ties between federal and state officials on matters of consumer finance. There is no indication that the CFPB will act irresponsibly in what they share with attorneys general, James Tierney, a former Maine attorney general who is director of the National State Attorneys General Program at Columbia University. Statements to the contrary are no more than saber-rattling in order frighten clients and markets. Tierney said that now that Dodd-Frank is being implemented, banks are trying to reverse the law in practice under the guise of preserving the integrity of the supervisory process. State Restrictions The fight over this law simply has not stopped, Tierney said. Roy Cooper, the attorney general of North Carolina, said that part of the bureaus new rule includes requirements that the states keep whatever data they get confidential. So if the bureau chooses to share information with states, we have to accept those rules, Cooper said in an interview. Cooper, who ended a stint as chairman of the National Association of Attorneys general in June, said that while the organization wants to protect consumers it has never maintained that state attorneys general have a role in

Obtained via FOIA by Judicial Watch, Inc.


supervisory issues. He added that figuring out the exact information the bureau would share is still a work in progress. A close relationship with state attorneys general was a signature effort of Elizabeth Warren, the adviser to President Barack Obama who set up the consumer bureau. Obama has nominated Richard Cordray, a former Ohio attorney general, to be the agencys first director. Cooperation Agreement In April, the bureau and the states signed a cooperation agreement that included a commitment to share information to inform enforcement policies and priorities. The bureau in August began sharing information gleaned from its new consumer complaint system with some state attorneys general through the Consumer Sentinel network run by the Federal Trade Commission. Dodd-Frank allows, but does not require, the bureau to share that information. JPMorgan chief executive officer Jamie Dimon has said that greater enforcement by states will limit the banks ability to serve customers. The new regulation on data has opened the possibility that attorneys general will have access to the normally quiet supervisory process, Wayne Abernathy, an executive vice president at the American Bankers Association, said in an interview. Bank regulators live and breathe the issue of how delicate confidence can be in a bank, or in a banking system, Abernathy said. For Related News and Information: Todays top financial stories: FTOP <GO> On financial regulation: NI FINREG BN <GO> Stories on Richard Cordray: NI ?15428821 <GO> --Editors: Lawrence Roberts, Maura Reynolds To contact the reporter on this story: Carter Dougherty in Washington at +1-202-624-1907 or cdougherty6@bloomberg.net. To contact the editor responsible for this story: Lawrence Roberts at +1-202-624-1985 or lroberts13@bloomberg.net.

Obtained via FOIA by Judicial Watch, Inc.


From: To: Subject: Date: Holzerland, William (CFPB) Banks, Dominique (CFPB); Michalosky, Martin (CFPB) FW: FOIA CFPB-2011-002 for OGC/Enforcement review Thursday, September 01, 2011 12:25:00 PM

FYI. Below is Enforcements input on the subject request. They turned it around fast. From: O'Mealia, Sean (CFPB) Sent: Thursday, September 01, 2011 12:18 PM To: Holzerland, William (CFPB) Subject: RE: FOIA CFPB-2011-002 for OGC/Enforcement review

Hi Bill,
(b) (5), (b) (6)

Otherwise I think this looks great. Thanks, Sean


From: Holzerland, William (CFPB) Sent: Wednesday, August 31, 2011 11:23 AM To: Kitt, Brett (CFPB); O'Mealia, Sean (CFPB) Cc: Banks, Dominique (CFPB); Michalosky, Martin (CFPB) Subject: RE: FOIA CFPB-2011-002 for OGC/Enforcement review Importance: High Sean and Brett, I spoke with Carter Dougherty of Bloomberg this morning about the scope of item #1 of his request, where he sought Mr. Cordrays calendar. Per that conversation, Mr. Dougherty agreed the CFPB may exclude attachments to Mr. Cordrays calendar and the scope of our response to this item will be limited to the calendar itself. However, please note that while were excluding attachments for purposes of this request, Mr. Dougherty stated he may submit a future request for these attachments after reviewing the calendar records the CFPB will release in response to this item. So, the first 201 pages of the PDF document need to be reviewed and theres no need to review the balance of the records that were uploaded to Sharepoint this morning. Regards, Bill From: Holzerland, William (CFPB) Sent: Wednesday, August 31, 2011 10:15 AM To: Kitt, Brett (CFPB); O'Mealia, Sean (CFPB) Cc: Banks, Dominique (CFPB); Michalosky, Martin (CFPB); Crissman, Gregory (CFPB) Subject: FW: FOIA CFPB-2011-002 for OGC/Enforcement review All, I wanted to confirm non-receipt of the email message below. I attempted to send you a very large PDF file for review last evening, and a colleague in cyber security (copied here) indicated there was an issue with the message and asked me to confirm that it did not go through. Secondly, since the file is too big to email, it will be on the Sharepoint site for you to review. Sean, youve been added to the access list so you can review this request. The

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document can be found here: http://thegreen.treas.gov/bureau/cfpb/promgt/foia/FOIA%20Requests/Forms/AllItems.aspx . Regards, Bill

From: Holzerland, William (CFPB) Sent: Tuesday, August 30, 2011 4:22 PM To: Kitt, Brett (CFPB); O'Mealia, Sean (CFPB) Cc: Banks, Dominique (CFPB); Michalosky, Martin (CFPB) Subject: FOIA CFPB-2011-002 for OGC/Enforcement review Good afternoon Brett and Sean,

(b) (5)

Any assistance you can provide would be most appreciated. Thanks for your help, gents! Regards, Bill William H. Holzerland, CIPP/G Senior FOIA Analyst & FOIA Public Liaison Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: 202-435-7262 www.consumerfinance.gov

This message was secured by ZixCorp.


To reach ZixCorp, go to: http://www.zixcorp.com/info/zixmail

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From: To: Subject: Date: Attachments: Banks, Dominique (CFPB) Kitt, Brett (CFPB); Michalosky, Martin (CFPB); Holzerland, William (CFPB) FW: Re:FOIA request Friday, August 05, 2011 12:30:31 PM CFPB-2011-002.pdf alt body.html image002.jpg

Brett, Marty, Bill:

(b) (5)
Thanks Dominique A. Banks FOIA Analyst Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: (202) 435-7359 Email: Dominique.Banks@cfpb.gov

-----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Friday, August 05, 2011 12:27 PM To: Banks, Dominique (CFPB) Subject: Re:FOIA request Dominique, Thanks for checking in. Here are the lists: Associations American Bankers Association Financial Services Roundtable Consumer Bankers Association U.S. Chamber of Commerce Independent Community Bankers of America The Clearing House Credit Union National Association Mortgage Bankers Association Securities Industries and Financial Markets Association National Association of Federal Credit Unions Mid-Size Bank Coalition of America As for members of the associations, let's limit it to this list: Wells Fargo & Co. Bank of America Corp. JPMorgan Chase & Co. Citigroup Inc. Capital One Financial US Bank (aka US Bancorp) law firms: Sullivan & Cromwell

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WilmerHale (aka Wilmer, Cutler, Pickering, Hale & Dorr) Wilkie, Farr & Gallagher Does this do it? Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: Dominique Banks <Dominique.Banks@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 8/05 12:18:44 Carter Dougherty: Thank you for being so responsive and agreeing to "perfect" your request. As discussed, statements within question 2, "...business groups including, but not limited to..." and "...or their legal representatives, e.g. lawyers" were up for interpretation and needed further clarification before any search for records could begin. You have agreed to review Elizabeth Warren's calendar to look for names of other specific business groups and "some places" to find the legal representatives, e.g. lawyers, for the business groups that you seek. When I receive that information from you and the request has been deemed "perfected", the search for records will begin and the 20 business day timeline will start. If you have any questions or concerns, please feel free to contact me at (202) 4357359 or at Dominique.Banks@cfpb.gov<mailto:Dominique.Banks@cfpb.gov>. Thank you for all of your efforts in advance

Dominique A. Banks FOIA Analyst Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: (202) 435-7359 Email: Dominique.Banks@cfpb.gov [cid:image002.jpg@01CC5369.B4DD5F60]

Obtained via FOIA by Judicial Watch, Inc.

Obtained via FOIA by Judicial Watch, Inc.

Obtained via FOIA by Judicial Watch, Inc.


From: To: Subject: Date: Kitt, Brett (CFPB) Michalosky, Martin (CFPB); Holzerland, William (CFPB) FW: Re:Scope of CFPB-2011-002 item #1 Thursday, October 13, 2011 3:43:02 PM

(b) (5)
Brett M. Kitt Senior Counsel Office of the General Counsel Consumer Financial Protection Bureau Tel: 202 435 7087 consumerfinance.gov

Confidentiality Notice: If you received this email by mistake, you should notify the sender of the mistake and delete the e-mail and any attachments. An inadvertent disclosure is not intended to waive any privileges. -----Original Message----From: Kitt, Brett (CFPB) Sent: Thursday, October 13, 2011 11:18 AM To: Lepley, Richard (CFPB); Fuchs, Meredith (CFPB) Subject: FW: Re:Scope of CFPB-2011-002 item #1 See below.

(b) (5)

Brett M. Kitt Senior Counsel Office of the General Counsel Consumer Financial Protection Bureau Tel: 202 435 7087 consumerfinance.gov Confidentiality Notice: If you received this email by mistake, you should notify the sender of the mistake and delete the e-mail and any attachments. An inadvertent disclosure is not intended to waive any privileges. -----Original Message----From: Holzerland, William (CFPB) Sent: Thursday, October 13, 2011 11:12 AM To: Kitt, Brett (CFPB); Howard, Jennifer (CFPB) Cc: Michalosky, Martin (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 (b) (5)

-----Original Message----From: Kitt, Brett (CFPB) Sent: Thursday, October 13, 2011 11:10 AM To: Holzerland, William (CFPB); Howard, Jennifer (CFPB) Cc: Michalosky, Martin (CFPB)

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Subject: RE: Re:Scope of CFPB-2011-002 item #1

(b) (5)
Brett M. Kitt Senior Counsel Office of the General Counsel Consumer Financial Protection Bureau Tel: 202 435 7087 consumerfinance.gov Confidentiality Notice: If you received this email by mistake, you should notify the sender of the mistake and delete the e-mail and any attachments. An inadvertent disclosure is not intended to waive any privileges. -----Original Message----From: Holzerland, William (CFPB) Sent: Thursday, October 13, 2011 11:09 AM To: Howard, Jennifer (CFPB) Cc: Michalosky, Martin (CFPB); Kitt, Brett (CFPB) Subject: FW: Re:Scope of CFPB-2011-002 item #1 Jen, just FYI...in case you get a call from Carter and he seems rather ornery, this may be why. -----Original Message----From: Holzerland, William (CFPB) Sent: Thursday, October 13, 2011 11:07 AM To: 'CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:' Subject: RE: Re:Scope of CFPB-2011-002 item #1 All I can say is that the issue's beyond the control of the CFPB at the moment, but we're doing our best to push things along. -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Thursday, October 13, 2011 11:04 AM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 Hmmm. Let me guess: DoJ? Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 10/13 11:02:41 Good morning Carter, Unfortunately, my hands are still tied on this particular request, as we're still waiting on the external coordination. On another front, we're moving along on your other request and I'm hopeful we'll have

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an interim response consisting of Peggy Twohig's calendar for you in a week or so. Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Thursday, October 13, 2011 11:00 AM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 Bill, We're gettin' uppity here. How are things? Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 10/03 13:26:48 Hello Carter, Just a quick update: I'm still awaiting return of the consult. I didn't want you to think we'd forgotten about you (or this case). I'll keep you posted. Regards, Bill -----Original Message----From: Holzerland, William (CFPB) Sent: Wednesday, September 28, 2011 2:54 PM To: 'CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:' Subject: RE: Re:Scope of CFPB-2011-002 item #1 Carter, It's a pleasure to be of service! Though it's correct you didn't mention other agencies, the responsive records did. When third party agencies have equities in the responsive records, we're required to (at minimum) consult with them prior to release. In situations where a search for responsive records turns up ones belonging to other agencies in their entirety - not the case here, but I mention it for illustrative purposes, as you said you're relatively new to working with FOIA - we actually refer them to that agency for direct response to the requester. Thanks, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 28, 2011 10:22 AM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 Thanks, Bill. Why is another agency involved? I don't think I mentioned any other. Carter -----------------------------------------------------------Carter Dougherty

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Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/28 10:21:14 Good morning Carter, We're just awaiting input from another agency on the release package. The moment that input is received, the response will be in your hands. Thanks again for your patience with this matter. Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 28, 2011 10:16 AM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 Bill, Now seems the right time to check on the FOIA re Cordray's calendar. Where do we stand on that? Best, Carter ----- Original Message ----From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) To: William.Holzerland@cfpb.gov At: 9/09 14:33:02 Bill, Can you give me a call on FOIA #2? I did some pondering on the best way forward. Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/07 12:56:56 Understood. Thanks again, Carter. Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 07, 2011 11:50 AM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1

Obtained via FOIA by Judicial Watch, Inc.


Bill, As long as the intent to provide the information is ironclad, then I'm not going to pound the table about the date, at least not right now. Sept. 30 is a different matter. But I'm sure you know that. Best and thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/07 11:48:00 Thanks, Carter. As I said on the phone yesterday, two to three weeks from now would be the current estimated date of completion for the response on the calendar request. Based on that, it means we anticipate issuing a response between September 23 and September 30 at this time. I also mentioned that I cannot give you a guaranteed date certain, and that an estimate is not ironclad. However, we hope to get the response out sooner than we currently anticipate and will keep you posted in any event. Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 07, 2011 11:33 AM To: Holzerland, William (CFPB) Subject: Re:Scope of CFPB-2011-002 item #1 Bill, I pondered request #1 overnight and here is my thought. As I understand it, you've confirm that you can provide the Cordray calendar under the request I made. You said it would take two or three weeks more. That puts us at Sept. 23. That is a date I can live with. Kindly confirm. It is also worth mentioning that my request does not in any way seek personal information like Cordray's family appointments. Perhaps that could lessen the burden. Best, Carter ----- Original Message ----From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) To: William.Holzerland@cfpb.gov At: 9/02 12:34:25 Bill, Do we have an ETA on this one?

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Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 8/31 10:45:17 Good morning Carter, It was a pleasure chatting with you briefly this morning about the scope of item #1 in your request for records related to Richard Cordray, where you sought his calendar for April-July 2011. Per our conversation, the CFPB will exclude attachments to Mr. Cordray's calendar and the scope of our response to this item will be limited to the calendar itself. My understanding is that while we're excluding attachments for purposes of this request, you may submit a future request for these attachments after reviewing the calendar records the CFPB will release in response to this item. Thanks again and enjoy the rest of your day! Regards, Bill William H. Holzerland, CIPP/G Senior FOIA Analyst & FOIA Public Liaison Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: 202-435-7262 www.consumerfinance.gov

Obtained via FOIA by Judicial Watch, Inc.


From: To: Subject: Date: Holzerland, William (CFPB) Kitt, Brett (CFPB); Michalosky, Martin (CFPB) FW: Re:Scope of CFPB-2011-002 item #1 Wednesday, September 07, 2011 11:50:00 AM

More from Carter... -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 07, 2011 11:50 AM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 Bill, As long as the intent to provide the information is ironclad, then I'm not going to pound the table about the date, at least not right now. Sept. 30 is a different matter. But I'm sure you know that. Best and thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/07 11:48:00 Thanks, Carter. As I said on the phone yesterday, two to three weeks from now would be the current estimated date of completion for the response on the calendar request. Based on that, it means we anticipate issuing a response between September 23 and September 30 at this time. I also mentioned that I cannot give you a guaranteed date certain, and that an estimate is not ironclad. However, we hope to get the response out sooner than we currently anticipate and will keep you posted in any event. Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 07, 2011 11:33 AM To: Holzerland, William (CFPB) Subject: Re:Scope of CFPB-2011-002 item #1 Bill, I pondered request #1 overnight and here is my thought. As I understand it, you've confirm that you can provide the Cordray calendar under the request I made. You said it would take two or three weeks more. That puts us at Sept. 23. That is a date I can live with. Kindly confirm. It is also worth mentioning that my request does not in any way seek personal information like Cordray's family appointments. Perhaps that could lessen the burden.

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Best, Carter ----- Original Message ----From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) To: William.Holzerland@cfpb.gov At: 9/02 12:34:25 Bill, Do we have an ETA on this one? Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 8/31 10:45:17 Good morning Carter, It was a pleasure chatting with you briefly this morning about the scope of item #1 in your request for records related to Richard Cordray, where you sought his calendar for April-July 2011. Per our conversation, the CFPB will exclude attachments to Mr. Cordray's calendar and the scope of our response to this item will be limited to the calendar itself. My understanding is that while we're excluding attachments for purposes of this request, you may submit a future request for these attachments after reviewing the calendar records the CFPB will release in response to this item. Thanks again and enjoy the rest of your day! Regards, Bill William H. Holzerland, CIPP/G Senior FOIA Analyst & FOIA Public Liaison Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: 202-435-7262 www.consumerfinance.gov

Obtained via FOIA by Judicial Watch, Inc.


From: To: Subject: Date: Attachments: Holzerland, William (CFPB) Banks, Dominique (CFPB); Kitt, Brett (CFPB); Michalosky, Martin (CFPB) FW: Re:Scope of CFPB-2011-002 item #1 Wednesday, August 31, 2011 10:59:00 AM alt body.html

FYI -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, August 31, 2011 10:46 AM To: Holzerland, William (CFPB) Subject: Re:Scope of CFPB-2011-002 item #1 Bill, That is the understanding, thanks. Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 8/31 10:45:17 Good morning Carter, It was a pleasure chatting with you briefly this morning about the scope of item #1 in your request for records related to Richard Cordray, where you sought his calendar for April-July 2011. Per our conversation, the CFPB will exclude attachments to Mr. Cordray's calendar and the scope of our response to this item will be limited to the calendar itself. My understanding is that while we're excluding attachments for purposes of this request, you may submit a future request for these attachments after reviewing the calendar records the CFPB will release in response to this item. Thanks again and enjoy the rest of your day! Regards, Bill William H. Holzerland, CIPP/G Senior FOIA Analyst & FOIA Public Liaison Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: 202-435-7262 www.consumerfinance.gov

Obtained via FOIA by Judicial Watch, Inc.


From: To: Subject: Date: Michalosky, Martin (CFPB) Holzerland, William (CFPB) Fw: Special Edition Press Clips 9.6.11 Tuesday, September 06, 2011 7:39:14 PM

Did you watch this, any mention of FOIA? I only caught the end.

From: Gordon, Ashley (CFPB) Sent: Tuesday, September 06, 2011 07:32 PM To: _DL_CFPB_AllHands Cc : Moore, Megan; Hunt, Anita Maria; Wallace, Kim; Wolin, Neal; Fitzpayne, Alastair; LeCompte, Jenni; Murray, Colleen; Coloretti, Nani Subject : Special Edition Press Clips 9.6.11

Hearing Press Clips 9/6/2011 Index Click publication title to find its location in this e-mail. Click article title to go to its source website. Rich Cordray New York Times -- Live Blog: Cordray Nomination Hearing Washington Post -- Senate holds hearing for consumer agency nominee L.A. Times -- Richard Cordray vows accountability if confirmed to head agency American Banker -- Cordray to Downplay His Litigious Past American Banker -- Cordray Hearing Devolves into Partisan Fight Over CFPB Structure Bloomberg -- Republicans Vow Opposition to U.S. Consumer Bureau Nomination Politico -- Richard Shelby, GOP senator, threatens to block consumer chief CNN Money -- No chief for the consumer bureau any time soon The Hill -- Consumer Bureau nominee caught in broader political fight Reuters -- Republicans firm in blocking U.S. consumer agency head Associated Press -- Democrats, GOP duel over consumer agency nominee Marketwatch -- Obamas consumer-protection nominee draws scrutiny Housing Wire -- Single director for CFPB key issue during Cordray confirmation hearing Credit Union Times -- Partisan Sparring at Cordray CFPB Confirmation Hearing Legal Newsline -- GOP accused of 'playing games' with Cordray's nomination Blog of Legal Times -- CFPB Nominee Cordray Finds GOP Senators a Tough Sell New America Foundation (Blog) -- Cordray Nomination Hearing Today The Reverse Review -- Cordray Begins CFPB Director Confirmation Process Mortgageorb -- Sen. Shelby: Cordray's Nomination Is D.O.A. Executive Government -- Consumer Watchdog Nominee Facing Senate Committee Financial Times -- Republicans vow to block consumer nominee ABC News Republicans Vow to Hold Up Consumer Financial Bureau Nominees Confirmation The Nation -- Richard Cordray Goes To Capitol Hill, But Addresses Deaf Republican Ears

New York Times Live Blog: Cordray Nomination Hearing SEPTEMBER 6, 2011, 3:51 PM

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By Ben Protess Richard Cordray, President Obamas pick to lead the Consumer Financial Protection Bureau, is taking the hot seat on Tuesday. The former Ohio attorney general and five-time Jeopardy champion is testifying before the Senate Banking Committee, which is reviewing his nomination to head the new agency charged with policing Wall Street and the lending industry. In July, Mr. Obama selected Mr. Cordray over Elizabeth Warren, the Harvard law professor who was setting up the bureau. The nomination hearing comes amid a deep partisan divide over the bureau and its leader. In a letter to President Obama, 44 of 47 Republicans have threatened to block any nominee unless the bureau was subjected to additional Congressional oversight. Democrats have championed the new agency and the nomination of Mr. Cordray, who is currently the bureaus enforcement chief. In a recent op-ed article in The Washington Post, Representative Barney Frank, the Massachusetts Democrat who was one of the chief authors of the law that created the bureau, likened the Republican opposition to an arsonist having set a fire and objecting to a buildings inhabitants using the fire exit. With the battle lines drawn, what follows is an account of the blow-by-blow of the Senate committee hearing. Back to Top

Washington Post Senate holds hearing for consumer agency nominee September 6, 12:26 PM By Ylan Q. Mui President Obamas nominee to lead the new consumer watchdog agency will be in the hot seat this afternoon as the Senate holds what is likely to be a bitter partisan debate over his confirmation. Richard Cordray gained national recognition as attorney general of Ohio, aggressively investigating fraudulent foreclosures, and joined the Consumer Financial Protection Bureau as head of enforcement early this year. In prepared testimony, Cordray said that he will seek to use the agencys bigger and more flexible toolbox to police financial products. There is no such thing as a one-size-fits-all solution as we seek to aid those who want to do the right thing and, when necessary, to thwart those who seek to take advantage of others, he said. Whether Cordray can be confirmed remains an open question. Republican senators have vowed to block his nomination or that of any candidate unless significant changes are made to the structure of the agency. We are proposing changes to the bureaus structure so that it will be more accountable to the American people, Sen. Richard Shelby (R-Ala.), ranking member of the banking committee, said in a July statement. But Cordray can be seen as a compromise candidate who lacks the polarizing persona of his former boss Elizabeth Warren, who is credited with inventing the agency and spent most of the past year setting it up. Warren was the top pick to lead the CFPB for many Democrats, but also alienated many Republicans during her time on the congressional oversight panel for the governments program to bail out troubled banks. She is now exploring a Senate run in Massachusetts.

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The CFPB launched in July but lacks the ability to oversee nonbank financial institutions such as some mortgage servicers and payday lenders unless a director is in place. Back to Top

L.A. Times Richard Cordray vows accountability if confirmed to head agency September 6, 2011 | 2:04 pm By Jim Puzzanghera Former Ohio Attorney General Richard Cordray promised senators that he would be accountable to Congress if confirmed to be the first director of the new Consumer Financial Protection Bureau, hoping to address one of the criticisms of Republicans vowing to block any nominee until the agency's powers are scaled back. Cordray, who was nominated by President Obama in July, also tried to ease Republican and industry concerns that the bureau would be too aggressive in taking on banks and other financial institutions, saying he would use government lawsuits "judiciously." "I know from my own experience that lawsuits can be a very slow, wasteful and needlessly acrimonious way to resolve a problem," Cordray told the Senate Banking Committee on Tuesday in written testimony at his confirmation hearing. Sen. Tim Johnson (D-S.D.), the committee's chairman, and other Democrats criticized Republicans for "rehashing the same debate Congress had last year" over creation of the agency as part of the sweeping overhaul of financial regulations. The purpose of todays hearing should be to consider whether Mr. Cordray is qualified for that job. Instead, a vocal minority is playing games with the process and holding Mr. Cordrays nomination hostage," Johnson said. "This political gamesmanship is preventing Americans from receiving the consumer protections they deserve and putting community banks and credit unions at a competitive disadvantage to non-bank financial companies." In May, 44 Senate Republicans enough to mount a successful filibuster vowed to block the confirmation of any nominee to head the agency unless major changes were made in its structure and that the White House argues would weaken its powers. Among the changes they want is to replace the single director with a five-member bipartisan commission and make it easier for other banking regulators to overturn the director's decisions. "Because of the expansive jurisdiction of the bureau, every American will be affected by the directors decisions," said Sen. Richard Shelby (R-Ala.), a leading opponent of the agency. "The director will single-handedly determine the financial products consumers can buy, as well as which consumers have access to credit, and which do not....It is staggering the amount of control the director will exert over the daily financial choices available to Americans." The delay threatened by Republicans is significant because the bureau, which began operations under an acting director in July, can't exercise some of its broad authority without a Senate-confirmed director. Among the powers on hold are regulation of mortgage brokers, payday lenders and other largely unregulated parts of the financial system. Cordray, 52, was one of the most aggressive state officials in taking on banks and mortgage companies after the financial crisis, and touted that experience Tuesday. He was hired last year to be

Obtained via FOIA by Judicial Watch, Inc.


the head of enforcement for the consumer bureau after narrowly losing re-election in Ohio. "We pursued many actions against foreclosure rescue scammers who were reaching into the pockets of desperate people in an effort to steal what little remained as they sought to keep their homes," Cordray said. "And where necessary, we pursued those mortgage servicers who, despite strong warnings, repeatedly violated consumer protection laws." And although he said he would be careful in using lawsuits, he promised to take action when necessary. "If people are ignoring or evading consumer protections laws - and seeking to gain an unfair advantage over their law-abiding competitors - then litigation is an essential tool, and we will use it judiciously," he said. Consumer and public interest groups on Tuesday called on senators to confirm Cordray's nomination. "Its time for Congress to set aside politics and confirm Richard Cordray so the CFPB can fully protect consumers," said Pamela Banks, senior policy counsel for Consumers Union. "Holding up this nomination may be good for the big banks and shady lenders, but not for the families whose finances are drained by high-cost loans and other unfair financial practices." The U.S. Chamber of Commerce, however, said there were still many unanswered questions about the bureau's "unique and ill-advised structure" and urged senators to "press for stronger checks and balances" for its operation. Back to Top

American Banker Cordray to Downplay His Litigious Past SEP 6, 2011 1:19pm EDT By Kate Davidson WASHINGTON Richard Cordray, the former Ohio attorney general nominated to lead the Consumer Financial Protection bureau, will seek to allay Republican concerns about his aggressive enforcement style at a confirmation hearing Tuesday. In prepared testimony released Monday, Cordray said his options as AG were generally limited to filing lawsuits or doing nothing. But he said the CFPB has a broader range of tools including research, rulemaking and supervision that may be more effective. "I know from my own experience that lawsuits can be a very slow, wasteful, and needlessly acrimonious way to resolve a problem," Cordray said. "The supervisory tool, in particular, offers the prospect of resolving compliance issues more quickly and effectively without resorting to litigation." "We are continuing to build our capacity to make effective use of this entire range of tools," he added. As attorney general, he instituted an early warning policy of notifying parties and giving them a chance to try to resolve issues without going to court. But Cordray, who gained national prominence for going after banks for mortgage servicing problems, didn't shy away from enforcement. "If people are ignoring or evading consumer protections laws and seeking to gain an unfair advantage over their law-abiding competitors then litigation is an essential tool, and we will use it judiciously," he warned.

Obtained via FOIA by Judicial Watch, Inc.


He said law enforcement that is "evenhanded, fair and reasonable," can help level the playing field for honest businesses, and give consumers the confidence to participate in the market. He also addressed Republican criticism that the bureau, which is led by a single director and independently funded, isn't accountable to Congress. If he is confirmed as director, Cordray said, "I promise that you will have one person who will always be accountable to you for how we are carrying out the laws laid down by Congress and I will be eager to hear your thoughts about how we should do our work." He also touted the CFPB's early efforts to streamline disclosure forms, picking up the mantle from the bureau's architect and former de facto leader, Elizabeth Warren. "We are looking to find the same sweet spot in the thicket of other regulations we have inherited from other agencies," he said. Republicans have vowed to block the confirmation of any nominee until changes are made to the bureau's governance structure. Consumer advocacy groups, including the Consumers Union and National Council of La Raza, issued statements ahead of the hearing calling on Congress to confirm Cordray, and let the bureau begin its work. "It's time for Congress to set aside politics and confirm Richard Cordray so the CFPB can fully protect consumers," said Pamela Banks, the senior policy counsel for the Consumers Union. "Holding up this nomination may be good for the big banks and shady lenders, but not for the families whose finances are drained by high-cost loans and other unfair financial practices." Back to Top

American Banker Cordray Hearing Devolves into Partisan Fight Over CFPB Structure SEP 6, 2011 1:19pm EDT By Kate Davidson WASHINGTON In a long-awaited showdown over the future of the Consumer Financial Protection Bureau on Tuesday, Republicans and Democrats sparred over whether the Senate should proceed with the nomination of the bureau's first director. GOP members of the Senate Banking Committee dug in their heels and reiterated their pledge to block the confirmation of any nominee until changes are made to the agency's structure. But Chairman Tim Johnson dismissed those senators as a "vocal minority," accusing them of playing games with the confirmation process and holding the nomination of former Ohio attorney general Richard Cordray hostage. "This political gamesmanship is preventing Americans from receiving the consumer protections they deserve and putting community banks and credit unions at a competitive disadvantage to nonbank financial companies," Johnson said at Cordray's confirmation hearing. But Sen. Richard Shelby, the committee's top Republican, insisted the hearing was premature. He said the committee shouldn't even consider a nominee until certain changes are made, including changing the CFPB's leadership from a single director to a five-member commission, subjecting it to the appropriations process and making it easier for a council of regulators to override the bureau's decisions. Neither the White House nor the Democrats have made any attempt to meet those demands, which

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were outlined in a letter signed by 44 GOP senators earlier this year, Shelby said. Without those reforms, he said, the director would have a staggering amount of control over Americans' financial choices, yet be virtually free of any constraints on his authority. "No one person should have so much unfettered power over the American people," he said. "It blatantly violates the spirit of our democratic system of government." Sen. David Vitter, R-La., also said he was unwilling to support any nominee until Congress implements "proper checks and balances." "This is a constitutional, checks and balances issue, not a partisan issue," Vitter said. "There's a real danger of the CFPB being a super bureaucracy that does a lot of damage to the economy by overreaching in its attempts to make decisions for consumers." Shelby said he has no qualms with Cordray, and thanked him for meeting privately with him and Sen. Bob Corker, R-Tenn., before the hearing. "You're caught between a big substantive debate here, as you well know, and that's going to have to be resolved before we move this nomination further," Shelby said. Johnson, however, said Republicans are rehashing a debate that was settled last year when Congress created the CFPB under the Dodd-Frank Act. "The misleading claim of no CFPB accountability drummed up by special interests and put forth by a vocal minority should be expressed for what it is: an attempt to destroy the bureau's ability to do its job of protecting American consumers," Johnson said. He was joined by Sen. Jack Reed, D-R.I., who dismissed the Republicans' strategy. "This notion of 'Let's wait till we get it perfect until we appoint somebody' would have delayed, I think, the election of George Washington for many decades," Reed said. Cordray, who currently serves as the CFPB's enforcement director, attempted to address Republican criticism that the bureau isn't accountable to Congress. If he is confirmed as director, Cordray said, "I promise that you will have one person who will always be accountable to you for how we are carrying out the laws laid down by Congress and I will be eager to hear your thoughts about how we should do our work." Corker asked Cordray to address comments he made before he came to the CFPB that he hoped to one day run for governor of Ohio. Corker said that would raise concerns that Cordray may simply be out to make a name for himself. But Cordray said he made those comments before he came to the agency, and assured the committee that he currently has no such ambitions. "I have no plans to run for any political office," he said. "I am understanding that the work of a federal, independent agency and law enforcement in particular must be completely absolved of politics. The two have not mixed, and that's how I have approached my job." During the hearing, Cordray touched upon one of the GOP's chief objections: the super-majority vote required by the Financial Stability Oversight Council to override a CFPB decision. Asked whether that was an impossibly high threshold, Cordray acknowledged the hurdle is high, but said it is appropriate. "I would hope and expect that concerns that they may have about our work, concerns that that we may have about their work, are concerns that we would discuss regularly, that we will work those concerns

Obtained via FOIA by Judicial Watch, Inc.


out," Cordray said, "and that it would never be necessary to invoke some sort of super process to override our rules." Cordray also vowed that the CFPB, under his watch, would not impose further burdens on community banks and credit unions. He also sought to allay Republican concerns about his aggressive enforcement style. Cordray said his options as AG were generally limited to filing lawsuits or doing nothing. But he said the CFPB has a broader range of tools, including research, rulemaking and supervision, that may be more effective. "I know from my own experience that lawsuits can be a very slow, wasteful, and needlessly acrimonious way to resolve a problem," Cordray said. "The supervisory tool, in particular, offers the prospect of resolving compliance issues more quickly and effectively without resorting to litigation." "We are continuing to build our capacity to make effective use of this entire range of tools," he added. As attorney general, Cordray instituted an early warning policy of notifying parties and giving them a chance to try to resolve issues without going to court. But Cordray, who gained national prominence for going after banks for mortgage servicing problems, didn't shy away from enforcement. "If people are ignoring or evading consumer protections laws - and seeking to gain an unfair advantage over their law-abiding competitors - then litigation is an essential tool, and we will use it judiciously," he warned. He said law enforcement that is "evenhanded, fair and reasonable," can help level the playing field for honest businesses and give consumers the confidence to participate in the market. He also touted the CFPB's early efforts to streamline disclosure forms, picking up the mantle from the bureau's architect and former de facto leader, Elizabeth Warren. "We are looking to find the same sweet spot in the thicket of other regulations we have inherited from other agencies," he said. Consumer advocacy groups, including the Consumers Union and National Council of La Raza, along with a slew of businesses, issued statements ahead of the hearing calling on Congress to confirm Cordray and let the bureau begin its work. "It's time for Congress to set aside politics and confirm Richard Cordray so the CFPB can fully protect consumers," said Pamela Banks, the senior policy counsel for the Consumers Union. "Holding up this nomination may be good for the big banks and shady lenders, but not for the families whose finances are drained by high-cost loans and other unfair financial practices." Travis Plunkett, the legislative director for the Consumer Federation of America, said the hearing was a crucial first step in making sure the bureau is "an effective cop on the beat." "While CFA does not endorse specific nominees, Cordray has the requisite knowledge of the financial services marketplace and a very strong track record as an effective, even-handed financial regulator," Plunkett said in a prepared statement. Back to Top

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Bloomberg Republicans Vow Opposition to U.S. Consumer Bureau Nomination Sep 6, 2011 6:46 PM ET By Carter Dougherty Senate Republicans hearing testimony from President Barack Obamas nominee to head the Consumer Financial Protection Bureau said they wouldnt confirm anyone to run the agency without changes to its structure. Republicans have a substantive disagreement about how the bureau functions under the Dodd-Frank financial regulatory overhaul, said Senator Richard Shelby, the top Republican on the Senate Banking Committee, reiterating his opposition to the nomination of Richard Cordray. Thats going to have to be resolved before we move this nomination further, Shelby said during Cordays confirmation hearing today. Forty-four Republican senators have vowed to block a nominee unless the bureau is restructured to remedy what they call a lack of accountability. The changes they are demanding include the replacement of the director with a five-member commission. In the 100-member Senate, nominees generally need 60 votes for confirmation. Senator Tim Johnson, the South Dakota Democrat who chairs the banking panel, accused Republicans of doing the bidding of banks who lobbied against the agencys creation. The misleading claim of no CFPB accountability -- drummed up by special interests and put forth by a vocal minority -- should be exposed for what it is: an attempt to destroy the Bureaus ability to do its job of protecting American consumers, Johnson said. No Questions Shelby didnt address Cordrays qualifications for the job of bureau director, and didnt say he would support Cordray if the Obama administration agreed to structural changes. He asked no questions of Cordray. Asked by Senator Robert Menendez, a New Jersey Democrat, whether Republicans had questioned his qualifications for the job in private meetings before the hearing, Cordray responded, They did not. Obama announced on July 18 that he would nominate Cordray, who is currently the bureaus assistant director for enforcement, to head the new agency. In doing so, Obama passed overElizabeth Warren, the Harvard professor who spent much of the past year setting up the bureau. Bartlett Naylor, financial policy advocate for Public Citizen, a consumer group, warned that the 44 Republicans blocking a director confirmation were also blocking an agency that could help stop future financial crises. Public Citizen and other consumer groups support Cordray. Consumer Poll The agencys opponents also defy American public opinion, where polls show wide support for a strong CFPB, Naylor said in an e-mailed statement. A July poll by the Consumer Reports National Research Center, part of the nonprofit group that publishes Consumer Reports magazine, found that 74 percent of those surveyed strongly support or somewhat support the new consumer agency. The poll, conducted from July 14-17, surveyed 1,012 adults. It had a sampling error of plus or minus 3.1 percentage points. As Ohios attorney general, Cordray rose to national prominence by suing major financial firms including Bank of America Corp. (BAC), JPMorgan Chase & Co. (JPM), Citigroup Inc. (C) and Ally

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Financial Inc. over flawed mortgage servicing. He lost his bid for re-election in November 2010, and Warren hired him for the top enforcement slot. Asked by Senator Robert Corker, a Tennessee Republican, about his background in Ohio state politics, Cordray, who once said he would run for governor, said an independent federal regulator must be completely absolved of politics. He added, I have no plans to run for any political office. Cordray Testimony In his opening statement, Cordray played down the role of lawsuits in consumer protection. The consumer bureau has a bigger and more flexible toolbox than he had in Ohio, including research, regulations, consumer education and supervision of financial firms, Cordray said. I know from my own experience that lawsuits can be a very slow, wasteful, and needlessly acrimonious way to resolve a problem, Cordray said. Yet he did promise lawsuits would be part of the consumer bureaus work. If people are ignoring or evading consumer protections laws -- and seeking to gain an unfair advantage over their law- abiding competitors -- then litigation is an essential tool, and we will use it judiciously, Cordray said in the testimony. Back to Top

Politico Richard Shelby, GOP senator, threatens to block consumer chief September 6, 2011 04:06 PM EDT By: Josh Boak The fate of the new Consumer Financial Protection Bureau and its proposed director remained trapped by partisan gridlock at Senate confirmation hearings Tuesday. Sen. Richard Shelby (R-Ala.) reiterated his plan to block former Ohio Attorney General Richard Cordray from leading the agency, unless it is restructured as a commission and placed under greater congressional control. One of our nations founding principles is that the government should be accountable to the people, Shelby said in his opening statement. All of the bureaus power is concentrated in the hands of its director. The director determines which rules are enacted and which enforcement actions are brought. The director makes all hiring decisions and decides how the agency spends its resources. Senate Banking Committee Chairman Tim Johnson (D-S.D.) scolded his Republican colleagues for holding Cordray hostage, reminding them that Congress created the CFPB to be a robust and independent agency. This political gamesmanship is preventing Americans from receiving the consumer protections they deserve, he said, noting that accountability exists because the president can fire the bureau director and its budget is capped. The bureau has been mired in tension over its leadership. Many progressive groups favored naming Harvard Law School professor Elizabeth Warren-an outspoken bankruptcy expert who set up the CFPB as a special adviser to Treasury Secretary Tim Geithner as its director, a call that was largely greeted with silence by the White House. President Barack Obama chose instead to nominate Cordray, who took over the agencys enforcement division after losing re-election as Ohio attorney general last year.

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While the CFPB officially began operations in July, its authority to issue rules and guidance are restricted without a Senate-approved director in place. The GOP and many within the banking industry favor structural changes that could slow how quickly the agency can act. The financial sector has a colossal stake in the hearings, since Cordray could dramatically reshape how mortgages, loans and credit cards are offered to the public. This is akin to a Supreme Court nominee for us, said Richard Hunt, president of the Consumer Bankers Association. I believe this director has more power at any agency since J. Edgar Hoover. The comparison to the FBI reveals just how much impact the new agency could have with its power to curb abusive practices, a broad term that Hunt said could limit the types of financial products available. We think the word abusive could lead to certain products being banned, he said. Our economy is much more dynamic than just a simple 30-year fixed interest mortgage. Our customers are way too sophisticated for that. And it stifles innovation. In his prepared testimony, Cordray indicated that his experience as Ohio attorney general-where he sued Bank of America and the American Insurance Group-left him hesitant to regulate mostly through litigation. Lawsuits can be a very slow, wasteful and needlessly acrimonious way to resolve a problem, he said. Instead, Cordray plans to rely on a broad slew of powers granted to the agency in the 2010 DoddFrank Wall Street Reform and Consumer Protection Act. Our bigger and more flexible toolbox includes research reports, rulemaking, market guidance, consumer education and empowerment, and the ability to supervise and examine both large banks and many nonbank institutions, he said in his remarks. The statement only exacerbated the worries of some in the banking community, because it suggested a degree of heightened oversight by an agency with independent funding. A financial services lobbyist said this is why some GOP lawmakers are willing to block Cordray. They want to restructure the bureau to be led by a five-person commission instead of a single director, in addition to granting Congress some authority over the CFPBs finances. Those very broad powers cry for the need of some basic [legislative branch] accountability, the lobbyist said. Back to Top

CNN Money No chief for the consumer bureau any time soon September 6, 2011: 5:35 PM ET By Jennifer Liberto WASHINGTON (CNNMoney) -- President Obama's nominee to run the Consumer Financial Protection Bureau got a hearing on Tuesday, but that may be all he gets. Democrats want Richard Cordray to be the consumer bureau's first director. Republicans say they haven't changed their mind -- they won't confirm any director to run the bureau without significant

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changes to the bureau's structure, which would weaken the bureau's powers. During the Tuesday hearing, the ranking Republican on the Senate Banking panel, Sen. Richard Shelby, called the hearing "premature," saying that the panel shouldn't be considering any nominee until Democrats take their demands for accountability more seriously. Republicans want the director replaced with a panel and they want to make it easier to veto consumer bureau rules. "You're caught between a big substantive debate here, as you well know," Shelby said to Cordray. Cordray, 52, works as the chief enforcement officer for the Consumer Financial Protection Bureau (CFPB) in Washington. He's an attorney who served in the Ohio state house and teaches at Ohio State University as an adjunct professor. Democrats used the Senate banking hearing to complain that Republicans were using filibuster powers to hamstring the bureau and rehash a battle fought last year. "This vocal minority insists on rehashing the same debate Congress had last year when it created the CFPB as an accountable yet independent regulator," said Senate Banking chief Tim Johnson. Sen. Bob Corker, a Tennessee Republican, said that his big opposition is that there's no way to challenge a decision by the consumer bureau, unless a particular rule "threatens the stability of the financial system." The consumer bureau can be over-turned by two-thirds vote of a panel of financial regulators, which Corker called a "high hurdle." Corker asked Cordray if he thought that veto power over the bureau's decisions was a high hurdle. "It is a high hurdle, but not an inappropriate one," Cordray said. Behind the Bureau: In July, the CFPB launched as an independent agency, got the power to start examining the books of the nation's largest banks to make sure they're abiding by existing laws that protect consumers. The bureau can also make sure that the banks are following credit card laws that crack down on fees, and spell out how long it takes to pay off credit card debt through minimum payments. However, until Cordray steps up as the official director, the bureau continues to lack new powers critical to preventing the next financial crisis --- such as regulating the non-banking firms that originated hundreds of millions of dollars in subprime mortgages, in the height of the boom, to families who couldn't afford them, During the hearing, Cordray acknowledged that lack of power as "unfortunate," especially for smaller banks who compete with nonbanks. The CFPB was the brainchild of Elizabeth Warren, a Harvard University law professor. The bureau is intended to make basic financial practices -- such as taking out a mortgage or making loans -- more clear and transparent, while ferreting out unfair lending practices. Warren had been a leading candidate to run the bureau and spent the past year working as a White House and Treasury adviser setting up the bureau. She has returned to Harvard University. Back to Top

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The Hill Consumer Bureau nominee caught in broader political fight September 6, 2011, 04:57 PM ET By Peter Schroeder The nomination of Richard Cordray to become the first director of the Consumer Financial Protection Bureau (CFPB) remains bogged down in a long-running partisan fight over the fate of the broader agency. The former Ohio attorney general appeared Tuesday before the Senate Banking Committee to discuss his nomination, but found himself largely playing a bit part in what has been a contentious fight over the agency as a whole. Most of the battle over his nomination was not about the man himself, but rather the structure of the bureau he aspires to oversee. Republicans have consistently maintained that the CFPB as is lacks accountability, and are demanding several structural changes to its operations before they will consider any potential director. In his opening statement, committee ranking member Richard Shelby (R-Ala.) only mentioned Cordray in passing and did not weigh in on his qualifications for the job. Instead, he argued the hearing was "premature" so long as the CFPB existed in its current form. "The majority structured the bureau to grant its director unprecedented authority over the lives of the American people without any effective checks," he said. "All of the bureau's power is concentrated in the hands of its director." And Sen. Bob Corker (R-Tenn.) accused his Democratic colleagues of employing "half truths, mistruths and untruths" in describing the GOP's opposition to the bureau. "I'm shocked ... to hear the spewing from almost everyone on the other side of the dais," he said. Forty-four Republican senators have vowed to block any nominee to head the bureau unless the director is replaced by a board, its budget is brought under the control of congressional appropriators, and it is required to consider the safety and soundness of banks in creating rules. The filibuster-proof majority, if it holds firm, will have the ability to block Cordray indefinitely. Shelby said the GOP was united in its push for "reasonable changes" and called on the administration to consider them. "Our position is clear," he told reporters after the hearing. Committee Chairman Tim Johnson (D-S.D.) opened the hearing by accusing the Republican minority on the panel of "playing games" with the nomination in an attempt to hogtie the bureau and of relegislating the Dodd-Frank financial reform law after failing to block it in 2008. "This political gamesmanship is preventing Americans from receiving the consumer protections they deserve," he said. Sen. Sherrod Brown (D-Ohio) said the Senate's historian told him it was unprecedented for a congressional minority to block a nominee over opposition to the broader agency's "very existence." "We already had this debate once," he said. "What kind of precedent does this set?" Democrats on the panel were eager to list the ways the CFPB's powers are checked. In particular, they highlighted curbs unique to the CFPB, such as the statutory cap placed on its budget and the ability of fellow regulators to overrule CFPB regulations if they deem them to be harmful to bank soundness. For his part, Cordray sought to assuage GOP concerns in his testimony, emphasizing ways the bureau could actually help "honest" businesses, and downplaying heavy-handed enforcement from the bureau under his watch. He said lawsuits can be "very slow, wasteful and needlessly acrimonious" and should

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be used "judiciously." Instead, he highlighted a wide range of alternatives available to the CFPB while deferring to lawmakers. "I promise that you will have one person who will always be accountable to you for how we are carrying out the laws laid down by Congress," he said. While Cordray was largely caught in the middle of the partisan fight, he was pressed by Sen. Bob Corker (R-Tenn.) on how independent a regulator he could be. Noting that Cordray had mulled running for governor of Ohio as a Democrat, Corker questioned whether Cordray would try to make a name for himself at the CFPB in the pursuit of elected office. Cordray admitted he once considered a run, but shot down those concerns. "I have no plans to run for any political office," he said. A committee vote on Cordray has not yet been scheduled. Back to Top

Reuters Republicans firm in blocking U.S. consumer agency head Sep 7, 2011 2:16am IST By Dave Clarke Republicans on Tuesday remained determined to block President Barack Obama's nominee to head the new Consumer Financial Protection Bureau. Republicans are demanding the administration agree to change the structure of the agency before allowing the Senate to move forward with its consideration of former Ohio Attorney General Richard Cordray. "It is regrettable that the President and the majority have chosen to ignore our request rather than work with us to improve the bureau's accountability," Senator Richard Shelby, the leading Republican on the Senate Banking Committee, said in remarks prepared for a hearing Tuesday on Cordray's nomination. "It may be good politics for them, but it is certainly bad policy for the American people," he said. Republicans have opposed the agency as a regulatory overreach since it was created as part of the 2010 Dodd-Frank financial oversight law. Democrats have balked at Republican demands, charging the minority party with using the nomination process as blackmail to weaken the agency. "This political gamesmanship is preventing Americans from receiving the consumer protections they deserve," Senate Banking Committee Chairman Tim Johnson said in prepared remarks. The bureau, which opened its doors on July 21, will oversee products like credit cards and home loans. In order to allow a nominees to be confirmed, Republicans want three changes made to the bureau: Have it run by a board rather than a director; subject its budget to annual congressional approval; and give other regulators more authority over bureau regulations. Cordray's best chance of being confirmed by the Senate is if the administration and Republicans do something they have been unable to do in recent months: compromise. Whether Cordray is the right man for the job has barely entered the discussion in the larger showdown between Republicans and Democrats over whether the bureau will stop lending abuses or will be the regulatory straw that breaks the lending industry's back.

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In Ohio, Cordray was a vocal critic of Wall Street and lending practices leading up to the 2007-2009 financial crisis, but Republicans have not made him or his record the focus of their opposition to his nomination as director. Back to Top

Associated Press Democrats, GOP duel over consumer agency nominee 09.06.11, 06:01 PM EDT By ALAN FRAM WASHINGTON -- The new Consumer Financial Protection Bureau has too much unfettered power and President Barack Obama's choice to lead it will be blocked until the agency is made more accountable, Senate Republicans said Tuesday. At a Banking Committee confirmation hearing on Richard Cordray's nomination, Republicans did not assail the credentials of the president's pick, a former Ohio attorney general. Instead, they complained that the bureau's director will have too much independence and said other federal financial regulators would be unable to curb the agency's actions, even if its rulings threaten to cause instability in the banking system. "You're caught between a big substantive debate here, as you well know," the panel's top Republican, Sen. Richard Shelby of Alabama, told Cordray. "That's going to have to be resolved, I think, before we move this nomination farther." Democrats said the bureau's authority was comparable to other federal regulatory agencies. They said the GOP was playing political games aimed at scuttling the agency's ability to protect consumers who borrow money or make other financial transactions. "The misleading claim of no CFPB accountability - drummed up by special interests and put forth by a vocal minority - should be exposed for what it is: An attempt to destroy the bureau's ability to do its job of protecting American consumers," said Sen. Tim Johnson, D-S.D., the banking panel's chairman. The clash echoed the fight over legislation regulating Wall Street - and creating the new agency - that the president and Democrats pushed through Congress last year in response to the 2008 financial crisis. It is also a front in the broad partisan battle over the stalled economy and Obama administration efforts to use federal spending and regulations to revive it, a debate that will be pivotal in next year's presidential and congressional elections. "There could not be a worse time to give an unelected and unaccountable bureaucrat a blank check to impose even more ill-considered rules that could further undermine our weak economy," Shelby said. Johnson also tried using the economy to his advantage, saying, "The stability of our financial system, and of our economy, is simply too important to be put at risk by political games." The agency is designed to protect consumers taking out loans, using credit cards and making other financial transactions. Obama nominated Cordray, 52, to head the bureau in July, just as it was opening its doors for the first time. The president had appointed consumer advocate Elizabeth Warren to help set up the bureau, but decided not to nominate her to become its director in the face of strong opposition from Republicans, who considered her too much of an activist.

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Republicans said the bureau's director will have too much discretion to determine which financial instruments it will curb, which rules it will issue and which lawsuits it will instigate. "The director's decisions will impact whether Americans can buy a home, a car or even basic household goods," Shelby said. GOP lawmakers from both chambers want several changes, including replacing the bureau's director with a bipartisan commission, making it easier for other financial regulators to overrule the bureau and giving Congress direct power over the agency's budget. Currently, the bureau gets its money from the Federal Reserve, of which it technically is a part. In May, 44 Senate Republicans signed a letter saying they will oppose any nominee without a revamping of the bureau that would include such changes. Democrats who control the 100-member Senate can only count on 53 votes to end delaying tactics - seven short of the 60 needed to do so. "Almost all of this would go away if the administration would just sit down and put appropriate checks and balances in place," said Sen. Bob Corker, R-Tenn. Democrats said the president can fire the director, pointed out that some other regulatory agencies have single directors and noted that the Wall Street overhaul law already allows a panel of other financial regulators to overrule the bureau. "They only want to block his (Obama) nomination, or anybody else's nomination, simply because they don't like the agency," said Sen. Sherrod Brown, D-Ohio. "They apparently don't want a consumer agency to be representing consumers." Cordray has been the bureau's enforcement chief in recent months, and as Ohio attorney general brought headline-grabbing lawsuits against some of the country's biggest banks over their foreclosure practices. Amid rumblings that he might be interested in running for higher office in Ohio, Cordray told the senators that he has "no plans to run for any political office." Cordray said his experience as Ohio attorney general taught him that litigation can be slow, costly and unnecessarily acrimonious. He said he would use lawsuits "judiciously," and noted that the bureau has other powers to resolve problems, including issuing rules, writing reports and examining large banks and many non-bank institutions. In a bid to reach out to Republicans, Cordray also said that if confirmed, "I promise that you will have one person who will always be accountable to you for how we are carrying out the laws laid down by Congress and I will always be keenly interested in your thoughts about how we should do our work." Back to Top

Marketwatch Obamas consumer-protection nominee draws scrutiny Sept. 6, 2011, 5:07 p.m. EDT By Ronald D. Orol WASHINGTON (MarketWatch) The Obama administrations nominee to head a Consumer Financial Protection Bureau on Tuesday met with blistering opposition from Republican lawmakers who argued that the agency will raise mortgage costs and is unaccountable because it is to be run by a one-person director.

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Im not willing to support any nominee until we implement the proper checks and balances including replacing an all-powerful credit czar with a board to oversee the bureau, Sen. David Vitter said at a Senate Banking Committee at a hearing for the White House nominee to head the agency. Former Ohio Attorney General Richard Cordray, the White House nominee to head the agency, testified before the committee. The hearing is the first step in a process to install Cordray as the CFPBs chief. However, regulatory observers contend that with Republican opposition, it is unlikely Cordray will obtain the filibuster-proof 60 votes necessary to be approved by the Senate for the position. Vitter and 43 other Republican Senators have signed a letter saying they wont back any nominee to head the bureau unless structural changes are made, such as creating a panel instead of a one-person director. We still do not see how Cordray finds 60 votes needed for confirmation, said Jaret Seiberg, analyst at MF Global Inc. in Washington. Republicans blasted Cordray, taking issue with the agencys make-up, arguing its would be more accountable if it was headed by a bipartisan panel of regulators. They insist that the agency threatens to hurt mortgage lenders, raise costs for consumers, limit their choices and make it impossible for some qualified borrowers to buy a home. The directors decision will impact whether Americans can buy a home, a car, or even basic household goods, said Sen. Richard Shelby, the top Republican on the panel. The director will single-handedly determine the financial products consumers can buy as well as which consumers have access to credit and which do not. Cordray defended the agencys make-up, noting that some agencies, including the Office of the Comptroller of the Currency and the Federal Housing Finance Agency, have single directors and their structures arent subject to congressional opposition. He acknowledged that other agencies, such as the Securities and Exchange Commission, do have bipartisan boards. Different independent agencies are structured in different ways, Cordray said. Other agencies do have a boards, it can work both ways, but Congress created us and were trying to implement that law. Democrats on the panel backed Cordray, saying that his leadership of the agency will help limit the kinds of subprime mortgages and predatory lenders that helped drive the financial crisis of 2008. Im optimistic with a confirmed director in place at the CFPB we can start to rein in those predatory lenders in parts of the country where they continue to prey on American families, said Sen. Kay Hagan, Democrat of North Carolina. A number of Democrats also expressed frustration with Republican efforts to transform oversight of the bureau into a panel with Republican and Democratic commissioners. They [Republicans] demand that we radically change the structure of the agency months before it had even opened its doors, said Sen. Robert Menendez, Democrat of New Jersey. Last time I checked in democracy, when there is an election of people they chose their representatives, you have votes both in committee and on the floor and then those votes lead to passage of legislation. It is the law of the land. Unless we want to change the dynamics of what democracy means in this country. Sen. Bob Corker, Republican of Tennessee, said he was a little shocked and disappointed by comments from Democrats at the hearing. He and Shelby raised concerns with the limited powers a newly formed Financial Stability Oversight Council has to reject rules approved by the agency. The FSOC can challenge a CFPB rule if it

Obtained via FOIA by Judicial Watch, Inc.


threatens the stability of the financial system. Its a pretty big hurdle, Corker said. Almost all of this would go away if the administration would sit down and put appropriate checks and balances in place. However, Cordray noted that other agencies arent subject to rejection by other regulatory groups. The new agency is charged with writing rules for mortgages and other consumer credit products. It has rule-writing, supervisory and enforcement authority over banks and a hodgepodge of so-called nonbank financial companies that, in the run-up to the financial crisis, escaped regulation of any sort. These nonbank institutions include payday lenders, which offer cash loans to low-income individuals, mortgage-modification consultants and smaller state and local mortgage brokers that originated many of the most toxic mortgages. Democrats pressed their concern that, without a confirmed director, these nonbanks will continue to have less oversight than their community bank and credit union rivals, creating a competitive disadvantage. Cordray acknowledged that concern and said the agency will limit costs on small institutions. We will not impose further burdens on community banks and credit unions, Cordray said. So far, the agency has hired nearly 500 employees, roughly half of which are new hires. The rest are transferring from other agencies. Back to Top

Housing Wire Single director for CFPB key issue during Cordray confirmation hearing September 6th, 2011, 4:33 pm By Kerri Panchuk Consumer Financial Protection Bureau nominee Richard Cordray stepped in front of the Senate Banking Committee Tuesday for a CFPB confirmation hearing that continued to highlight partisan differences over the CFPB and its single-director structure. Whether a single director should lead the consumer agency remained a point of contention among committee members, who previously have vowed to block any nominee if structural changes aren't made. Republicans seek a five-member bipartisan commission to carry out the duties of a director a change that the Obama administration has said would weaken the CFPB's powers. Cordray assured Sen. Bob Corker (R-Tenn.) he would actively heed the concerns of community banks who fear cumbersome consumer protection rules will chase them out of the marketplace, and also said he didn't seek to inject himself into the legislative process concerning the single director vs. committee structure of oversight. Republicans were sympathetic to Cordray's position, with Corker adding, "I am sorry that you are caught up in all of this. All of this would go away if the administration would just sit down and put appropriate checks and balances in place." Sen. Richard Shelby (R-Ala.) said the structural issues need resolution before further discussions occur on Cordray.

Obtained via FOIA by Judicial Watch, Inc.


"We do not believe we should consider any director until changes are made to the bureau," Sen. Richard Shelby (R-Ala.). "I am sure you have a great background and have a fine family," Sen. Shelby said. "But you are caught between a big substantive debate and that is going to have to be resolved." He added, "We advocated for a consumer agency, but we wanted accountability with it, and we still do." Democrats fought for Cordray during the hearing, highlighting his background as a former Ohio attorney general who fought for consumer protection laws. Sen. Tim Johnson (D-S.D.), the committee's chairman, contended "a vocal minority is playing games with the process" and holding everyone hostage. The bureau officially opened July 21 without a permanent director. Cordray currently serves as the bureaus enforcement chief. In the Q&A session, Sen. Corker asked Cordray about strategic defaults and how he views homeowners who use foreclosure as a strategy to escape underwater mortgages. "That's part of the balance that has to be drawn," Cordray said. "I am someone who tries to pay my credit card balances on time. I do not want to be billed for the problems of others." Corker also addressed concerns about checks and balances when it comes to CFPB rulemakng. Corker pointed out that unless the CFPB creates a rule that threatens the stability of the financial system, the CFPB will not be overruled. "That's a pretty high threshold is it not?" Corker asked. Cordray said it was not inappropriate because the bureau will be working with other agencies to make sense of the new rules and processes. Back to Top

Credit Union Times Partisan Sparring at Cordray CFPB Confirmation Hearing September 6, 2011 BY CLAUDE R. MARX Senate Banking Committee Committee Chairman Tim Johnson on Tuesday accused a vocal minority of panel members of obstructing the nomination of Richard Cordray as director of the Consumer Financial Protection Bureau while the panels top Republican said they were exercising their timehonored rights to have their say. This vocal minority insists on rehashing the same debate Congress had last year when it created the CFPB as an accountable yet independent regulator. The fact is that every regulatory agency is structured with different features that make it accountable, the South Dakota Democrat said. Each agency has a unique combination that fits its mission and independence. Last year, Congress decided on a structure for the CFPB which borrows some accountability features from other regulators, but also includes several new features unique to the consumer agency, Johnson said in his opening statement at the hearing. Alabama Sen. Richard Shelby, the panels top Republican, defended his partys refusalto consider any nominee until the CFPBs structure is changed to have it run by a five-person board rather than just a single director. He said the current structure gives an unelected and unaccountable bureaucrat a blank check to

Obtained via FOIA by Judicial Watch, Inc.


make rules that could further add to the regulatory burden of businesses and prevent the creation of needed jobs. And he added that the Republicans efforts to use the Senate rules to block Cordrays confirmation are in keeping with the chambers tradition and not a radical undertaking. Cordray, a former attorney general of Ohio, was nominated to run the CFPB by President Obama in July. He was scheduled to speak later at the hearing. Back to Top

Legal Newsline GOP accused of 'playing games' with Cordray's nomination September 6, 2011 BY JESSICA M. KARMASEK Cordray WASHINGTON (Legal Newsline) - U.S. Senate Banking Committee Chairman Tim Johnson says Republicans are "playing games" in holding up former Ohio Attorney General Richard Cordray's nomination to head the new Consumer Financial Protection Bureau. POLITICO obtained a copy of testimony Johnson planned to give Tuesday. "The purpose of today's hearing should be to consider whether Mr. Cordray is qualified for (the) job... Instead, a vocal minority is playing games with the process and holding Mr. Cordray's nomination hostage," Johnson says in the testimony. The banking chairman points directly to the GOP. "This political gamesmanship is preventing Americans from receiving the consumer protections they deserve and putting community banks and credit unions at a competitive disadvantage to non-bank financial companies," Johnson said. Cordray's confirmation has been postponed since July, when he was nominated by President Barack Obama. The banking committee had a hearing scheduled last month but delayed it until after senators returned from their August recess, on Tuesday. "The fact is the financial crisis and the recession were not the result of normal economic cycles or just a run of bad luck," Obama said while nominating Cordray. "They were abuses and there was a lack of smart regulations." The bureau was created by the Dodd-Frank regulatory overhaul and is tasked with regulating consumer financial products. In November, Cordray lost to former Lt. Gov. and U.S. Sen. Mike DeWine, a Republican, in the state attorney general race. He had been elected to the post in November 2008 to serve the remainder of the term held by the previous attorney general, Marc Dann. Dann had resigned in May 2008 amid a sex scandal. Prior to being attorney general, Cordray served as the Ohio State Treasurer and as treasurer of Franklin County, Ohio. He also served as a member of the Ohio House of Representatives and as the state's first solicitor.

Obtained via FOIA by Judicial Watch, Inc.


In addition to Republicans, the American Tort Reform Association also has said it is skeptical of Cordray's nomination to the post. ATRA questions his relationships with private attorneys he hired to pursue state lawsuits while serving as attorney general. "Mr. Cordray appears to share CFPB architect Elizabeth Warren's often voiced belief that litigation is a perfectly legitimate means by which to craft public policy, even though it sidesteps duly elected lawmakers and executives, and even though it lacks proper transparency," ATRA President Tiger Joyce said. Other nominations expected to be heard Tuesday afternoon by the banking committee were Patricia M. Loui of Hawaii and Larry W. Walther of Arkansas, to be members of the board of directors of the Export-Import Bank of the United States. Back to Top

Blog of Legal Times CFPB Nominee Cordray Finds GOP Senators a Tough Sell September 6, 2011, 05:24 PM By Jenna Greene At Richard Cordray's confirmation hearing today to head the new Consumer Financial Protection Bureau, the former attorney general of Ohio held out an olive branch to Senate Republicans. "I know from my own experience that lawsuits can be a very slow, wasteful, and needlessly acrimonious way to resolve a problem, he said. The supervisory tool, in particular, offers the prospect of resolving complex issues more quickly and effectively without resorting to litigation. But Cordrays conciliatory message was a tough sell to Sen. Richard Shelby (R-Ala.), the ranking minority member of the committee, who focused on challenging the basic structure of the agency rather than Cordrays qualifications to run it. We believe todays hearing is quite premature, said Shelby. We do not believe we should consider any nomination until reforms are adopted to make the bureau more accountable to the American people. He continued, The director will have unprecedented authority over the lives of American people without any real check. Every American will be affected by the directors decisionsthis blatantly violates the spirit of our democratic system of government. In May, Shelby and 43 other Republican senators sent a letter to President Obama vowing to block any nominee unless the bureau was restructured with a board of directors, akin to the Securities and Exchange Commission, and was funded via the appropriations process. The CFPB was created as part of the Dodd-Frank law overhauling the financial services sector, and officially opened its doors in July. The bureau was the brainchild of Harvard Law School professor Elizabeth Warren, who spent the past year organizing it, and who recruited Cordray to serve as director of enforcement. But she was a polarizing figure who triggered fierce opposition from the banking industry, and in July, Obama nominated Cordray instead to serve as the first director.

Obtained via FOIA by Judicial Watch, Inc.


The purpose of this hearing should be to consider whether Mr. Cordray is qualified for the job, said Committee Chairman Tim Johnson (D-S.D.). Instead, a vocal minority is playing games with the process and holding Mr. Cordrays nomination hostage....This political gamesmanship is preventing Americans from receiving the consumer protections they deserve and putting community banks and credit unions at a competitive disadvantage to nonbank financial companies." Sen. Sherrod Brown (D-Ohio) agreed. Nobody questions [Cordrays] qualifications, he said. They only want to block his nomination or anyone elses because they dont like the agency. Sen. Charles Schumer (D-N.Y.) accused Republicans of trying to re-open the debate on Dodd-Frank. We fought those battles last year, and consumers won, he said. They lost the legislative battle....We should not re-litigate the existence of the CFPB. Sen. Bob Corker (R-Tenn.) said he was shocked and disappointed by the rancor of this meeting. He continued, It would all go away if the administration would sit down and put appropriate checks and balances in place. As for Cordray, he remained unflappable throughout the hearing, his smiling 12-year old twins seated behind him along with his wife, Peggy, a professor at Capital University Law School in Columbus, Ohio. He touted his experience as Ohio attorney general (he was defeated by Mike DeWine in 2010), and pointed to the CFPBs work on simplified mortgage disclosure forms as a model action, providing clarity to consumers as well as reducing paperwork burdens for lenders. We are looking to find the same sweet spot in the thicket of other regulations we inherited from other agencies, he said. Back to Top

New America Foundation Cordray Nomination Hearing Today September 6, 2011 By Justin King Richard Cordray is headed to the Senate Banking Committee this afternoon for hearings on his nomination to be chief of the Consumer Financial Protection Bureau. Politico says that there could well be some fireworks at the nomination hearing. When I was a youngster living here in DC, one organization paid me and a friend $10/hour to sit in line overnight outside of the Hart Senate Office Building so that we could guarantee their lobbyist good seats at an important hearing the next morning. We stayed up all night (you got hassled by the Capitol Police if you slept) with a fascinating assortment of bike messengers, professional "line sitters" and others so that someone else could sit in a room and see what happened. If I recall correctly, I think I made $100. Nowadays, it's a lot easier to watch consequential events like this happen. All you have to do is click this link at about 2:30pm. Back to Top

Obtained via FOIA by Judicial Watch, Inc.


Reverse Review Cordray Begins CFPB Director Confirmation Process 06 September 2011 06:00 By Brett Varner Richard Cordray, President Obama's nominee for the Director of the Consumer Financial Protection Bureau (CFPB), is appearing before the Senate Banking Committee today as the the Senate confirmation process has begun. In his opening remarks, Cordray intends to downplay the use of litigation in enforcing the regulations of the agency believing that lawsuits should be used judiciously. He states that his experience as Attorney General for the State of Ohio has taught him that litigation can be slow and costly. He seeks to use the various other powers available to the agency to resolve problems. "I quickly learned that there is no such thing as a one-size-fits-all solution as we seek to aid those who want to do the right thing," Cordray states. "And, when necessary, to thwart those who seek to take advantage of others" He stated, if confirmed, "I promise that you will have one person who will always be accountable to you for how we are carrying out the laws laid down by Congress and I will be eager to hear your thoughts about how we should do our work." His confirmation faces an uphill battle as Republican Senators have pledged to block any nominee to lead the CFPB until new legislation is considered to make the agency more accountable. The lawmakers are demanding that the director post be replaced by a bipartisan commission and that the agency's budget be placed under the appropriation process. Under the current structure, the CFPB's budget is established as a percentage of the Federal Reserve's budget which the Republican opposition believes lacks appropriate oversight. In order to be confirmed, Mr. Cordray would need to receive 60 votes in the full Senate. Democrats currently hold 53 seats and Republicans hold 44. Back to Top

Mortgageorb Sen. Shelby: Cordray's Nomination Is D.O.A. September 6, 2011 By Staff The ranking member of the U.S. Senate Committee on Banking, Housing and Urban Affairs has restated that todays confirmation hearing for Richard Cordray to become the first director of the Consumer Financial Protection Bureau (CFPB) is an exercise in futility. TheHill.com reports that Sen. Richard Shelby, R-Ala., will not allow the Cordray nomination to move beyond the hearing unless the White House agrees to change the CFPB structure from a single director to a committee. A spokesperson for Shelby repeated the previous opposition of 44 Republican senators to the CFPBs current configuration. "Opposition to or support of Mr. Cordray's nomination will become relevant as soon as the president agrees to make the structural changes we've requested," says Shelby spokesperson Jonathan Graffeo. "Until then, Sen. Shelby and his colleagues stand firmly behind the statement they expressed in their May letter: No accountability, no confirmation."

Obtained via FOIA by Judicial Watch, Inc.


Republicans have maintained pro forma sessions of Congress throughout August, in order to prevent President Obama from using a recess appointment for Cordray. The CFPB officially opened on July 21. Back to Top

Executive Government Consumer Watchdog Nominee Facing Senate Committee September 6, 2011 By Ross Wilkers Richard Cordray, the nominee to head the new Consumer Financial Protection Bureau, will be considered by the Senate Banking Committee Tuesday. Congress returns from its August vacation this week and Cordrays nomination is one issue scheduled to be addressed. The AP reports Cordray is promising to be accountable to Congress, a concern many Republicans voiced in objection to Cordrays nomination. Republicans promised to block any nominee unless changes are made to make the bureau more accountable. You will have one person who will always be accountable to you for how we are carrying out the laws laid down by Congress and I will be eager to hear your thoughts about how we should do our work, Cordray said according to the AP. President Barack Obama appointed Harvard professor Elizabeth Warren to help set up the agency, created in response to the financial crisis. However, facing heavy Republican opposition, Obama did not nominate her. Back to Top

Financial Times Republicans vow to block consumer nominee September 6, 2011 By Shahien Nasiripour Richard Cordray, President Barack Obamas pick to run the new US consumer finance agency, will not be confirmed for the post until the White House changes the structure of the unit and scales back its authority, Senate Republicans vowed Tuesday. Mr Cordray, a former state attorney-general who has sued banks for improper mortgage practices, faced the Senate banking committee for the first time since Mr Obama nominated him in July to head the unit, formed as part of the Dodd-Frank financial regulation overhaul. Committee Republicans, led by Richard Shelby of Alabama, reiterated their opposition to the fledgling agency, arguing that it lacked effective checks on its authority and its chief would be too powerful in setting credit terms and unaccountable to industry or Congress. Democrats and consumer groups counter that the agencys rules will be able to be overturned by bank regulators and that all of its rule-making will be subject to review. They add that the agencys structure it is headed by a single executive, as opposed to the Republican-desired five-person commission

Obtained via FOIA by Judicial Watch, Inc.


is no different than that of the Office of the Comptroller of the Currency, the agency that regulates national banks. Im sure you have a good background, Mr Shelby told Mr Cordray, but youre caught between a big substantive debate and that will have to be resolved before we move forward. In May, 44 Senate Republicans vowed to block the confirmation of any nominee until the agencys structure was transformed. A new law, in effect rewriting a part of Dodd-Frank, would have to be passed. Senator Sherrod Brown, an Ohio Democrat, told the panel that this was the first time in the history of the Senate that the minority party threatened to prevent an agency nominee from being confirmed due to their opposition to the very idea of an agency. That kind of partisanship is why people are so unhappy with their government, Mr Brown said. Mr Cordray, also of Ohio, has the support of the Ohio Bankers League and the Ohio Credit Union League. A former Jeopardy! champion and US Supreme Court clerk, Mr Cordrays first job was flipping hamburgers at McDonalds. Back to Top

ABC News Republicans Vow to Hold Up Consumer Financial Bureau Nominees Confirmation Sep 6, 2011 7:19pm By Sunlen Miller Richard Cordray, President Obamas nominee to head the new Consumer Financial Protection Bureau, took the hot seat before the Senate Banking Committee today. Most of the Republicans concerns have to do with the structure of the bureau and the accountability of its eventual director, not Cordray himself, who seemed to avoid most of the heat. Youre caught in a big substantive debate, Sen. Richard Shelby, R-Ala., one of the fiercest critics of the bureaus creation, told Cordray during the hearing today. Republicans today repeated that they would not confirm Cordray or anyone unless the bureau, created to protect consumers from fraud and abuse by financial service companies, is restructured. In May 2010, before Cordray was nominated, 44 Republican senators wrote a letter to Obama saying they would not confirm anyone to head the agency unless the bureau was restructured. Shelby repeated that threat again today. We do not believe that the committee should consider any nominee to be the director of the Bureau of Consumer Financial Protection until reforms are adopted to make the Bureau accountable to the American people, Shelby said. It is regrettable that the president and the majority have chosen to ignore our request rather than work with us to improve the bureaus accountability. It may be good politics for them, but it is certainly bad policy for the American people. Shelby said the director of the bureau would be granted unprecedented authority over the lives of the American people without any effective checks, with all of the bureaus power concentrated on the director in its current form. It is staggering the amount of control the director will exert over the daily financial choices available to Americans. Despite having such broad powers, however, there is no meaningful check on the directors authority, Shelby concluded. No one person should have so much unfettered power over the

Obtained via FOIA by Judicial Watch, Inc.


American people. Responding, Cordray assured the committee that he has not sought to inject himself into the legislative discussions around the bureau but added that he had spoken to the White House about the concerns of Republicans in Congress. He said he would be accountable to Congress if confirmed. Democrats at the hearing today expressed displeasure for Republicans holding up Cordrays confirmation, likening it to hostage taking. Work must go forward and should go forward, to block this appointment simply to express displeasure is the wrong way entirely, Sen. Jack Reed, D-RI., said. Sen. Chuck Schumer, D-N.Y., called Cordray a pawn in a cynical Washington game. Senators have until Sept. 9 to submit additional written questions to Cordray. Back to Top

The Nation Richard Cordray Goes To Capitol Hill, But Addresses Deaf Republican Ears September 6, 2011 By George Zornick In what was surely one of the stranger Senate confirmation hearings in recent history, President Obamas nominee to head the Consumer Financial Protection bureau, Richard Cordray, testified Tuesday before the Committee on Banking, Housing, and Urban Affairs. Unlike most nomination hearings, which focus on the merits of the nominee, the committee could not agree on whether the position itself should exist. Forty-four Senate Republicans sent a letter to President Obama in May that demanded a five-person board with appointees from both parties run the CFPB, instead of a single director. Tuesday, only two of the committees Republicans showed up to the hearingSen. Richard Shelby, the ranking member, and Sen. Bob Corker. Shelby declined to even question Cordray, and blasted the hearing in his opening statement as premature, and said we do not believe that the committee should consider any nominee to be the director of the CFPB until reforms are adopted to make the Bureau accountable to the American people. Shelby, who has taken $6.2 million from the financial sector during his career, and his fellow Republicans are demanding not only to remove the position of director, but force the CFPB to submit a budget to Congress and accept additional veto powers from other bank regulators. The Republican line of attack is that, without these regulations, the CFPB will be a runaway regulatory train straight out of Glenn Becks nightmares. The Director will be virtually free of any constraints on his authority during his five-year term. No one person should have so much unfettered power over the American people, Shelby said during the hearing. It blatantly violates the spirit of our democratic system of government.unless the Bureau is reformed, it is only a matter of time before this concentration of power is abused or misused to the detriment of American consumers and the economy. Sen. Sherrod Brown said he consulted the Senate historian, who could not come up with a similar case of one party opposing not the nominee but the very office to which he or she was appointed. Brown and the other Democrats urged a quick confirmation for Cordray, and hammered on the point that the structure of the CFPB was already put up for a vote and decided in 2010, and so Cordray should receive an up or down vote on his own merits.

Obtained via FOIA by Judicial Watch, Inc.


Now is not the time to undermine an agency that a bipartisan majority in Congress created, Brown said. It is not the time to play a dangerous game with the financial security of millions of families and businesses. Sen. Jack Reed lamented that consumer voices were seldom heard in Washington, and added that as we go forward, we are trying to ensure that we do not replicate the crisis of 2008--that we do not have financial collapse. For his part, Cordray offered somewhat vanilla testimony about his resume and life story. He made overtures to the financial sector by pledging not to automatically regulate via lawsuits, which he called a very slow, wasteful and needlessly acrimonious way to resolve a problem. But he added that if people are ignoring or evading consumer protections laws and seeking to gain an unfair advantage over their law-abiding competitors then litigation is an essential tool, and we will use it judiciously. As Ari Berman has outlined, the $3 trillion financial services industry is waging a fierce battle against the CFPB, which for some in the business community amounts to a holy jihad. Cordray will likely clear the Democratic-controlled Banking Committee, but will surely face a Republican filibuster after that. Back to Top

Ashley Gordon

Office of Public Affairs Consumer Financial Protection Bureau ashley.gordon@treasury.gov (o) 202-435-7446 Web.Facebook. Twitter

Obtained via FOIA by Judicial Watch, Inc.


From: To: Subject: Date: Michalosky, Martin (CFPB) Holzerland, William (CFPB) Re: Bloomberg FOIA requests Friday, September 02, 2011 5:11:26 PM

Thanks for the update. Enjoy the long weekend and stay safe. ----- Original Message ----From: Holzerland, William (CFPB) Sent: Friday, September 02, 2011 04:36 PM To: Howard, Jennifer (CFPB); Kitt, Brett (CFPB) Cc: Michalosky, Martin (CFPB) Subject: RE: Bloomberg FOIA requests FYI, I spoke briefly with Carter and advised him that I hoped to be able to get back to him Tuesday with a reasonable estimate of when the Cordray calendar request will be completed.

(b) (5)
Have a good weekend, all! Regards, Bill -----Original Message----From: Howard, Jennifer (CFPB) Sent: Friday, September 02, 2011 1:10 PM To: Holzerland, William (CFPB); Kitt, Brett (CFPB) Subject: RE: Bloomberg FOIA requests Yep, I'm around after 2 pm. Jen Howard Consumer Financial Protection Bureau E: Jennifer.Howard@treasury.gov O: 202-435-7454 C: (b) (6) -----Original Message----From: Holzerland, William (CFPB) Sent: Friday, September 02, 2011 1:02 PM To: Howard, Jennifer (CFPB); Kitt, Brett (CFPB) Subject: Bloomberg FOIA requests Importance: High Good afternoon Jen and Brett,

(b) (5)

Thanks, Bill

Obtained via FOIA by Judicial Watch, Inc.


-----Original Message----From: Banks, Dominique (CFPB) Sent: Friday, September 02, 2011 12:41 PM To: Holzerland, William (CFPB); Michalosky, Martin (CFPB) Subject: FW: Re:FOIA request clarification Importance: High

Dominique A. Banks FOIA Analyst Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: (202) 435-7359 Email: Dominique.Banks@cfpb.gov

-----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Friday, September 02, 2011 12:23 PM To: Banks, Dominique (CFPB) Subject: Re:FOIA request clarification Dominique, Are we clear on this? Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: Dominique Banks <Dominique.Banks@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/01 14:39:30 Carter:

Thank you for further clarifying your request and addressing the ambiguity of the search terms and phrases discussed in our last communication. I would like to recap all of the amendments agreed upon and make certain that I fully understand what you are seeking from the CFPB. Below you will find that I have addressed each question by repeating what you have stated in your original request and underneath communicating what I understand as the clarification of that question. If you have any objections to any of my interpretations, please feel free to clarify further. Attached is a PDF of the original request and the email exchange for your reference. The CFPB will not proceed with the search for documents until you have certified that all of the changes made to the original request is accurately described below:

Obtained via FOIA by Judicial Watch, Inc.

1. Communications, including but not limited to letters emails, meetings, calls and memoranda between Peggy Twohig , assistant director for non-bank supervision, and agencies of any of the 50 states regarding cooperation between states and the CFPB.

* Communications is defined as final and draft letters, emails, meetings and memoranda.

* "Agencies of any of the 50 states" is defined as the Attorney General Offices in all of the 50 states and the following entities:

o Conference of State Banking Supervisors; o Iowa Division of Banking; o Louisiana Office of Financial Institutions; o National Association of State Attorneys General; o Attorney General of North Carolina; o Attorney General of Iowa; o Attorney General of Illinois; o Attorney General of Indiana; o Attorney General of Massachusetts; o Attorney General of New York; o Attorney General of Michigan; and o Attorney General of Connecticut.

CFPB is being asked to provide communications, as described above, between Peggy Twohig, Assistant Director for Non-Bank Supervision, and agencies of any of the 50 states, as described above, regarding cooperation between states and the CFPB.

2. Communications, including but not limited to letters, emails, meetings, calls and memoranda between officials in the CFPB's Office of Intergovernmental Affairs and agencies of any of the 50 states regarding cooperation between states and the CFPB.

As mentioned in our last communication the Office of Intergovernmental Affairs does not currently exist. We have agreed that this question is invalid and will be withdrawn from your original request.

Obtained via FOIA by Judicial Watch, Inc.

3.Communications, including but not limited to letters, emails, meetings, calls and memoranda between agencies of any of the 50 states and CFPB officials in the office of the Assistant Director of Enforcement, Richard Cordray, including but not limited to Richard Cordray, and Kent Marcus regarding cooperation between states and the CFPB.

The definitions described in question 1 for "communications" and for the phrase "any of the 50 states" would apply.

4. Copies of the calendar of Peggy Twohig, assistant director for non-bank supervision, from Jan. 1, 2011 to July 31, 2011.

No amendments were made. This question will remain the same.

5. Communications, including but not limited to letters, emails, meetings, calls and memoranda between the CFPB's office of the General Counsel, Len Kennedy and agencies of any of the 50 states on the subject of preemption.

The definitions described in question 1 for "communications" and for the phrase "any of the 50 states" would apply.

6. Communications, including but not limited to letters, emails, meetings, calls and memoranda between agencies of any of the 50 states and CFPB officials in the office of the Assistant Director of Enforcement, Richard Cordray, including but not limited to Richard Cordray, and Kent Marcus, on the subject of preemption.

The definitions described in question 1 for "communications" and for the phrase "any of the 50 states" would apply.

7. Communications, including but not limited to letters, emails, meetings, calls and memoranda between officials in the CFPB's Office of Intergovernmental Affairs and agencies of any of the 50 states regarding cooperation between states and the CFPB, on the subject of preemption.

This question is invalid for the same reason that question 2 is invalid. This question is being withdrawn from your original request.

Obtained via FOIA by Judicial Watch, Inc.


Thank you Dominique A. Banks FOIA Analyst Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: (202) 435-7359 Email: Dominique.Banks@cfpb.gov [cid:image001.jpg@01CC68B4.A4AD3B00]

Obtained via FOIA by Judicial Watch, Inc.


From: To: Subject: Date: Holzerland, William (CFPB) Kitt, Brett (CFPB); Howard, Jennifer (CFPB) RE: Bloomberg FOIA requests Friday, September 02, 2011 1:30:00 PM

Sounds good. If it's good for you, Jen, we'll pop down at that time. -----Original Message----From: Kitt, Brett (CFPB) Sent: Friday, September 02, 2011 1:12 PM To: Howard, Jennifer (CFPB); Holzerland, William (CFPB) Subject: RE: Bloomberg FOIA requests How about 2:30? Brett M. Kitt Senior Counsel Office of the General Counsel Consumer Financial Protection Bureau Tel: 202 435 7087 consumerfinance.gov Confidentiality Notice: The information contained in this transmittal, including attachments if any, may be confidential or privileged under applicable law, or otherwise may be protected from disclosure to anyone other than the intended recipient(s). Any review, use, distribution, or copying of the contents of this e-mail or its attachments by any person other than the intended recipient for any purpose other than its intended use, is strictly prohibited and may be unlawful. This communication is not intended as a waiver of the confidential, privileged or exempted status of the information transmitted. If you have received this e-mail in error, you should permanently delete the e-mail and any attachments. Do not save, copy, disclose, or rely on any part of the information contained in this e-mail or its attachments. Also immediately notify the sender of the misdirection of this transmittal. Your cooperation is appreciated. -----Original Message----From: Howard, Jennifer (CFPB) Sent: Friday, September 02, 2011 1:10 PM To: Holzerland, William (CFPB); Kitt, Brett (CFPB) Subject: RE: Bloomberg FOIA requests Yep, I'm around after 2 pm. Jen Howard Consumer Financial Protection Bureau E: Jennifer.Howard@treasury.gov O: 202-435-7454 C: (b) (6) -----Original Message----From: Holzerland, William (CFPB) Sent: Friday, September 02, 2011 1:02 PM To: Howard, Jennifer (CFPB); Kitt, Brett (CFPB) Subject: Bloomberg FOIA requests Importance: High Good afternoon Jen and Brett,

(b) (5)

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(b) (5)

Thanks, Bill -----Original Message----From: Banks, Dominique (CFPB) Sent: Friday, September 02, 2011 12:41 PM To: Holzerland, William (CFPB); Michalosky, Martin (CFPB) Subject: FW: Re:FOIA request clarification Importance: High

Dominique A. Banks FOIA Analyst Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: (202) 435-7359 Email: Dominique.Banks@cfpb.gov

-----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Friday, September 02, 2011 12:23 PM To: Banks, Dominique (CFPB) Subject: Re:FOIA request clarification Dominique, Are we clear on this? Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: Dominique Banks <Dominique.Banks@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/01 14:39:30 Carter:

Thank you for further clarifying your request and addressing the ambiguity of the search terms and phrases discussed in our last communication. I would like to recap all of the amendments agreed upon and make certain that I fully understand what you are seeking from the CFPB. Below you will find that I

Obtained via FOIA by Judicial Watch, Inc.


have addressed each question by repeating what you have stated in your original request and underneath communicating what I understand as the clarification of that question. If you have any objections to any of my interpretations, please feel free to clarify further. Attached is a PDF of the original request and the email exchange for your reference. The CFPB will not proceed with the search for documents until you have certified that all of the changes made to the original request is accurately described below:

1. Communications, including but not limited to letters emails, meetings, calls and memoranda between Peggy Twohig , assistant director for non-bank supervision, and agencies of any of the 50 states regarding cooperation between states and the CFPB.

* Communications is defined as final and draft letters, emails, meetings and memoranda.

* "Agencies of any of the 50 states" is defined as the Attorney General Offices in all of the 50 states and the following entities:

o Conference of State Banking Supervisors; o Iowa Division of Banking; o Louisiana Office of Financial Institutions; o National Association of State Attorneys General; o Attorney General of North Carolina; o Attorney General of Iowa; o Attorney General of Illinois; o Attorney General of Indiana; o Attorney General of Massachusetts; o Attorney General of New York; o Attorney General of Michigan; and o Attorney General of Connecticut.

CFPB is being asked to provide communications, as described above, between Peggy Twohig, Assistant Director for Non-Bank Supervision, and agencies of any of the 50 states, as described above, regarding cooperation between states and the CFPB.

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2. Communications, including but not limited to letters, emails, meetings, calls and memoranda between officials in the CFPB's Office of Intergovernmental Affairs and agencies of any of the 50 states regarding cooperation between states and the CFPB.

As mentioned in our last communication the Office of Intergovernmental Affairs does not currently exist. We have agreed that this question is invalid and will be withdrawn from your original request.

3.Communications, including but not limited to letters, emails, meetings, calls and memoranda between agencies of any of the 50 states and CFPB officials in the office of the Assistant Director of Enforcement, Richard Cordray, including but not limited to Richard Cordray, and Kent Marcus regarding cooperation between states and the CFPB.

The definitions described in question 1 for "communications" and for the phrase "any of the 50 states" would apply.

4. Copies of the calendar of Peggy Twohig, assistant director for non-bank supervision, from Jan. 1, 2011 to July 31, 2011.

No amendments were made. This question will remain the same.

5. Communications, including but not limited to letters, emails, meetings, calls and memoranda between the CFPB's office of the General Counsel, Len Kennedy and agencies of any of the 50 states on the subject of preemption.

The definitions described in question 1 for "communications" and for the phrase "any of the 50 states" would apply.

6. Communications, including but not limited to letters, emails, meetings, calls and memoranda between agencies of any of the 50 states and CFPB officials in the office of the Assistant Director of Enforcement, Richard Cordray, including but not limited to Richard Cordray, and Kent Marcus, on the subject of preemption.

The definitions described in question 1 for "communications" and for the phrase "any of the 50 states" would apply.

7. Communications, including but not limited to letters, emails, meetings, calls and memoranda between

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officials in the CFPB's Office of Intergovernmental Affairs and agencies of any of the 50 states regarding cooperation between states and the CFPB, on the subject of preemption.

This question is invalid for the same reason that question 2 is invalid. This question is being withdrawn from your original request.

Thank you Dominique A. Banks FOIA Analyst Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: (202) 435-7359 Email: Dominique.Banks@cfpb.gov [cid:image001.jpg@01CC68B4.A4AD3B00]

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From: To: Cc: Subject: Date: Michalosky, Martin (CFPB) Howard, Jennifer (CFPB) Geldon, Daniel (CFPB); Jackson, Peter (CFPB); Adeyemo, Adewale (Wally) (CFPB); Kennedy, Leonard (CFPB); Gordon, Michael (CFPB); Fuchs, Meredith (CFPB); Holzerland, William (CFPB); Kitt, Brett (CFPB) RE: Bloomberg Request Thursday, June 16, 2011 7:39:04 AM

Good morning Jen, Sorry for the delay, I am slowly getting through my emails and updated on our FOIA requests. (b) (5)

I hope this helps. Marty -----Original Message----From: Howard, Jennifer (CFPB) Sent: Friday, June 03, 2011 11:22 AM To: Howard, Jennifer (CFPB); Geldon, Daniel (CFPB); Jackson, Peter (CFPB); Adeyemo, Adewale (Wally) (CFPB); Kennedy, Leonard (CFPB); Gordon, Michael (CFPB); Fuchs, Meredith (CFPB); Michalosky, Martin (CFPB) Subject: RE: Bloomberg Request Looping in Marty as well. Jen Howard Senior Spokesperson Consumer Financial Protection Bureau E: Jennifer.Howard@treasury.gov O: 202-435-7454 C: (b) (6) -----Original Message----From: Howard, Jennifer (CFPB) Sent: Friday, June 03, 2011 11:16 AM To: Geldon, Daniel (CFPB); Jackson, Peter (CFPB); Adeyemo, Adewale (Wally) (CFPB); Kennedy, Leonard (CFPB); Gordon, Michael (CFPB); Fuchs, Meredith (CFPB) Subject: Bloomberg Request Carter from Bloomberg is asking to receive the documents we provided to Thomson Westlaw without (b) (5) having to FOIA them himself.

(b) (5)

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Jen Howard Senior Spokesperson Consumer Financial Protection Bureau E: Jennifer.Howard@treasury.gov O: 202-435-7454 C: (b) (6) -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Friday, June 03, 2011 11:10 AM To: Howard, Jennifer (CFPB) Subject: Is this request for FOIA Which is pratically a public document itself, so thoroughly has it been circulated. Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6)

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From: To: Cc: Subject: Date: CFPB FOIA "CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:" CFPB FOIA RE: Correct contacts Wednesday, August 03, 2011 2:51:35 PM

You're welcome, Mr. Dougherty. Yes, we did receive your fax. Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, August 03, 2011 2:12 PM To: CFPB_FOIA Subject: RE: Correct contacts Thanks very much. I just faxed something to this number. I would appreciate an email confirmation that you have received it. Regards, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: Cfpb Foia <CFPB_FOIA@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) Cc: CFPB_FOIA@cfpb.gov At: 8/03 13:42:54 Good afternoon Mr. Dougherty, I received your email as well as your voice message. Martin Michalosky is the CFPB's FOIA and Transparency Manager. You may send requests via email to this address, fax them to (202) 435-7244 or mail them to the following address: Chief FOIA Officer Bureau of Consumer Financial Protection 1801 L Street, N.W. Washington, D.C. 20036

Our contact information can also be found on the web here: http://www.consumerfinance.gov/foia/. Please note the CFPB's interim FOIA and Privacy Act regulations were published July 28, 2011. They can be found at 12 C.F.R. Part 1070 and can be accessed via the GPO site here: http://www.gpo.gov/fdsys/pkg/FR-2011-07-28/pdf/2011-19038.pdf. Thank you for your interest in the CFPB. Regards, Bill William H. Holzerland, CIPP/G Senior FOIA Analyst & FOIA Public Liaison Office of Privacy, Information Disclosure (FOIA), Records, & Transparency

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Phone: 202-435-7262 www.consumerfinance.gov -----Original Message---From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, August 03, 2011 1:09 PM To: CFPB_FOIA Subject: Correct contacts Hello, My name is Carter Dougherty and I am a reporter with Bloomberg. Could you please tell me who is the correct contact for CFPB FOIA requests, now that the agency has passed the standup date, and his/her contacts. Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6)

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From: To: Cc: Subject: Date: Holzerland, William (CFPB) Kitt, Brett (CFPB); Michalosky, Martin (CFPB) Howard, Jennifer (CFPB) RE: FOIAs CFPB-2011-002 and CFPB-2011-012 (Dougherty, Carter) Tuesday, September 06, 2011 1:07:00 PM

(b) (5)
-----Original Message----From: Kitt, Brett (CFPB) Sent: Tuesday, September 06, 2011 1:02 PM To: Holzerland, William (CFPB); Michalosky, Martin (CFPB) Cc: Howard, Jennifer (CFPB) Subject: RE: FOIAs CFPB-2011-002 and CFPB-2011-012 (Dougherty, Carter) Thanks, Bill.

(b) (5)
Brett M. Kitt Senior Counsel Office of the General Counsel Consumer Financial Protection Bureau Tel: 202 435 7087 consumerfinance.gov Confidentiality Notice: If you received this email by mistake, you should notify the sender of the mistake and delete the e-mail and any attachments. An inadvertent disclosure is not intended to waive any privileges. -----Original Message----From: Holzerland, William (CFPB) Sent: Tuesday, September 06, 2011 11:24 AM To: Michalosky, Martin (CFPB); Kitt, Brett (CFPB) Cc: Howard, Jennifer (CFPB) Subject: FOIAs CFPB-2011-002 and CFPB-2011-012 (Dougherty, Carter) Good morning all, I just spoke with Carter after he pinged me again this morning about the two FOIAs we discussed last week.

(b) (5)

Regards, Bill -----Original Message-----

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From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Tuesday, September 06, 2011 10:10 AM To: Holzerland, William (CFPB) Subject: Re:Scope of CFPB-2011-002 item #1 Bill, I'm checking on the two FOIAs I have pending: On the first one (Cordray's calendar) I think we spoke on Friday. One the second one (CFPB and the states) I was unclear whether we were good to go. I acknowledged Dominique's last clarifying email. Is that "perfected," as they say, and good to go. Thanks, Carter

----- Original Message ----From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) To: William.Holzerland@cfpb.gov At: 9/02 12:34:25 Bill, Do we have an ETA on this one? Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 8/31 10:45:17 Good morning Carter, It was a pleasure chatting with you briefly this morning about the scope of item #1 in your request for records related to Richard Cordray, where you sought his calendar for April-July 2011. Per our conversation, the CFPB will exclude attachments to Mr. Cordray's calendar and the scope of our response to this item will be limited to the calendar itself. My understanding is that while we're excluding attachments for purposes of this request, you may submit a future request for these attachments after reviewing the calendar records the CFPB will release in response to this item. Thanks again and enjoy the rest of your day! Regards, Bill William H. Holzerland, CIPP/G Senior FOIA Analyst & FOIA Public Liaison Office of Privacy, Information Disclosure (FOIA), Records, & Transparency

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Phone: 202-435-7262 www.consumerfinance.gov

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From: To: Subject: Date: Banks, Dominique (CFPB) Michalosky, Martin (CFPB); Holzerland, William (CFPB) RE: Re:FOIA request clarification Friday, September 02, 2011 8:36:49 AM

No problem Dominique A. Banks FOIA Analyst Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: (202) 435-7359 Email: Dominique.Banks@cfpb.gov

-----Original Message----From: Michalosky, Martin (CFPB) Sent: Thursday, September 01, 2011 8:59 PM To: Banks, Dominique (CFPB); Holzerland, William (CFPB) Subject: Re: Re:FOIA request clarification Bill will be helping with this, please do not respond to Carter. Thanks. ----- Original Message ----From: Banks, Dominique (CFPB) Sent: Thursday, September 01, 2011 02:51 PM To: Michalosky, Martin (CFPB); Holzerland, William (CFPB) Subject: FW: Re:FOIA request clarification What do you guys think? Dominique A. Banks FOIA Analyst Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: (202) 435-7359 Email: Dominique.Banks@cfpb.gov

-----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Thursday, September 01, 2011 2:51 PM To: Banks, Dominique (CFPB) Subject: Re:FOIA request clarification Dominique, One tiny tweak, a result of my own typo. It is the National Association of Attorneys General, NOT National Association of State Attorneys General. Are we good to go? Thanks, Carter

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-----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: Dominique Banks <Dominique.Banks@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/01 14:39:30 Carter:

Thank you for further clarifying your request and addressing the ambiguity of the search terms and phrases discussed in our last communication. I would like to recap all of the amendments agreed upon and make certain that I fully understand what you are seeking from the CFPB. Below you will find that I have addressed each question by repeating what you have stated in your original request and underneath communicating what I understand as the clarification of that question. If you have any objections to any of my interpretations, please feel free to clarify further. Attached is a PDF of the original request and the email exchange for your reference. The CFPB will not proceed with the search for documents until you have certified that all of the changes made to the original request is accurately described below:

1. Communications, including but not limited to letters emails, meetings, calls and memoranda between Peggy Twohig , assistant director for non-bank supervision, and agencies of any of the 50 states regarding cooperation between states and the CFPB.

* Communications is defined as final and draft letters, emails, meetings and memoranda.

* "Agencies of any of the 50 states" is defined as the Attorney General Offices in all of the 50 states and the following entities:

o Conference of State Banking Supervisors; o Iowa Division of Banking; o Louisiana Office of Financial Institutions; o National Association of State Attorneys General; o Attorney General of North Carolina; o Attorney General of Iowa; o Attorney General of Illinois;

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o Attorney General of Indiana; o Attorney General of Massachusetts; o Attorney General of New York; o Attorney General of Michigan; and o Attorney General of Connecticut.

CFPB is being asked to provide communications, as described above, between Peggy Twohig, Assistant Director for Non-Bank Supervision, and agencies of any of the 50 states, as described above, regarding cooperation between states and the CFPB.

2. Communications, including but not limited to letters, emails, meetings, calls and memoranda between officials in the CFPB's Office of Intergovernmental Affairs and agencies of any of the 50 states regarding cooperation between states and the CFPB.

As mentioned in our last communication the Office of Intergovernmental Affairs does not currently exist. We have agreed that this question is invalid and will be withdrawn from your original request.

3.Communications, including but not limited to letters, emails, meetings, calls and memoranda between agencies of any of the 50 states and CFPB officials in the office of the Assistant Director of Enforcement, Richard Cordray, including but not limited to Richard Cordray, and Kent Marcus regarding cooperation between states and the CFPB.

The definitions described in question 1 for "communications" and for the phrase "any of the 50 states" would apply.

4. Copies of the calendar of Peggy Twohig, assistant director for non-bank supervision, from Jan. 1, 2011 to July 31, 2011.

No amendments were made. This question will remain the same.

5. Communications, including but not limited to letters, emails, meetings, calls and memoranda between the CFPB's office of the General Counsel, Len Kennedy and agencies of any of the 50 states on the subject of preemption.

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The definitions described in question 1 for "communications" and for the phrase "any of the 50 states" would apply.

6. Communications, including but not limited to letters, emails, meetings, calls and memoranda between agencies of any of the 50 states and CFPB officials in the office of the Assistant Director of Enforcement, Richard Cordray, including but not limited to Richard Cordray, and Kent Marcus, on the subject of preemption.

The definitions described in question 1 for "communications" and for the phrase "any of the 50 states" would apply.

7. Communications, including but not limited to letters, emails, meetings, calls and memoranda between officials in the CFPB's Office of Intergovernmental Affairs and agencies of any of the 50 states regarding cooperation between states and the CFPB, on the subject of preemption.

This question is invalid for the same reason that question 2 is invalid. This question is being withdrawn from your original request.

Thank you Dominique A. Banks FOIA Analyst Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: (202) 435-7359 Email: Dominique.Banks@cfpb.gov [cid:image001.jpg@01CC68B4.A4AD3B00]

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From: To: Subject: Date: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: Holzerland, William (CFPB) RE: Re:Scope of CFPB-2011-002 item #1 Monday, October 17, 2011 1:22:03 PM

Excellent, thanks. -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 10/17 13:20:13 Carter, FYI, I expect to have Mr. Cordray's calendar ready for release in the next day or so. Thanks, Bill -----Original Message----From: Holzerland, William (CFPB) Sent: Thursday, October 13, 2011 11:07 AM To: 'CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:' Subject: RE: Re:Scope of CFPB-2011-002 item #1 All I can say is that the issue's beyond the control of the CFPB at the moment, but we're doing our best to push things along. -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Thursday, October 13, 2011 11:04 AM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 Hmmm. Let me guess: DoJ? Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 10/13 11:02:41 Good morning Carter, Unfortunately, my hands are still tied on this particular request, as we're still waiting on the external coordination. On another front, we're moving along on your other request and I'm hopeful we'll have an interim response consisting of Peggy Twohig's calendar for you in a week or so.

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Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Thursday, October 13, 2011 11:00 AM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 Bill, We're gettin' uppity here. How are things? Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 10/03 13:26:48 Hello Carter, Just a quick update: I'm still awaiting return of the consult. I didn't want you to think we'd forgotten about you (or this case). I'll keep you posted. Regards, Bill -----Original Message----From: Holzerland, William (CFPB) Sent: Wednesday, September 28, 2011 2:54 PM To: 'CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:' Subject: RE: Re:Scope of CFPB-2011-002 item #1 Carter, It's a pleasure to be of service! Though it's correct you didn't mention other agencies, the responsive records did. When third party agencies have equities in the responsive records, we're required to (at minimum) consult with them prior to release. In situations where a search for responsive records turns up ones belonging to other agencies in their entirety - not the case here, but I mention it for illustrative purposes, as you said you're relatively new to working with FOIA - we actually refer them to that agency for direct response to the requester. Thanks, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 28, 2011 10:22 AM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 Thanks, Bill. Why is another agency involved? I don't think I mentioned any other. Carter -----------------------------------------------------------Carter Dougherty Bloomberg News

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Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/28 10:21:14 Good morning Carter, We're just awaiting input from another agency on the release package. The moment that input is received, the response will be in your hands. Thanks again for your patience with this matter. Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 28, 2011 10:16 AM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 Bill, Now seems the right time to check on the FOIA re Cordray's calendar. Where do we stand on that? Best, Carter ----- Original Message ----From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) To: William.Holzerland@cfpb.gov At: 9/09 14:33:02 Bill, Can you give me a call on FOIA #2? I did some pondering on the best way forward. Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/07 12:56:56 Understood. Thanks again, Carter. Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 07, 2011 11:50 AM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1

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Bill, As long as the intent to provide the information is ironclad, then I'm not going to pound the table about the date, at least not right now. Sept. 30 is a different matter. But I'm sure you know that. Best and thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/07 11:48:00 Thanks, Carter. As I said on the phone yesterday, two to three weeks from now would be the current estimated date of completion for the response on the calendar request. Based on that, it means we anticipate issuing a response between September 23 and September 30 at this time. I also mentioned that I cannot give you a guaranteed date certain, and that an estimate is not ironclad. However, we hope to get the response out sooner than we currently anticipate and will keep you posted in any event. Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 07, 2011 11:33 AM To: Holzerland, William (CFPB) Subject: Re:Scope of CFPB-2011-002 item #1 Bill, I pondered request #1 overnight and here is my thought. As I understand it, you've confirm that you can provide the Cordray calendar under the request I made. You said it would take two or three weeks more. That puts us at Sept. 23. That is a date I can live with. Kindly confirm. It is also worth mentioning that my request does not in any way seek personal information like Cordray's family appointments. Perhaps that could lessen the burden. Best, Carter ----- Original Message ----From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) To: William.Holzerland@cfpb.gov At: 9/02 12:34:25 Bill, Do we have an ETA on this one? Thanks,

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Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 8/31 10:45:17 Good morning Carter, It was a pleasure chatting with you briefly this morning about the scope of item #1 in your request for records related to Richard Cordray, where you sought his calendar for April-July 2011. Per our conversation, the CFPB will exclude attachments to Mr. Cordray's calendar and the scope of our response to this item will be limited to the calendar itself. My understanding is that while we're excluding attachments for purposes of this request, you may submit a future request for these attachments after reviewing the calendar records the CFPB will release in response to this item. Thanks again and enjoy the rest of your day! Regards, Bill William H. Holzerland, CIPP/G Senior FOIA Analyst & FOIA Public Liaison Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: 202-435-7262 www.consumerfinance.gov

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From: To: Subject: Date: Holzerland, William (CFPB) Kitt, Brett (CFPB) RE: Re:Scope of CFPB-2011-002 item #1 Wednesday, September 07, 2011 11:54:00 AM

Thank you! -----Original Message----From: Kitt, Brett (CFPB) Sent: Wednesday, September 07, 2011 11:51 AM To: Holzerland, William (CFPB) Cc: Lepley, Richard (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 Nice work, Bill. Brett M. Kitt Senior Counsel Office of the General Counsel Consumer Financial Protection Bureau Tel: 202 435 7087 consumerfinance.gov Confidentiality Notice: If you received this email by mistake, you should notify the sender of the mistake and delete the e-mail and any attachments. An inadvertent disclosure is not intended to waive any privileges. -----Original Message----From: Holzerland, William (CFPB) Sent: Wednesday, September 07, 2011 11:46 AM To: 'CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM:' Subject: RE: Re:Scope of CFPB-2011-002 item #1 Thanks, Carter. As I said on the phone yesterday, two to three weeks from now would be the current estimated date of completion for the response on the calendar request. Based on that, it means we anticipate issuing a response between September 23 and September 30 at this time. I also mentioned that I cannot give you a guaranteed date certain, and that an estimate is not ironclad. However, we hope to get the response out sooner than we currently anticipate and will keep you posted in any event. Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 07, 2011 11:33 AM To: Holzerland, William (CFPB) Subject: Re:Scope of CFPB-2011-002 item #1 Bill, I pondered request #1 overnight and here is my thought. As I understand it, you've confirm that you can provide the Cordray calendar under the request I made. You said it would take two or three weeks more. That puts us at Sept. 23. That is a date I can live with. Kindly confirm. It is also worth mentioning that my request does not in any way seek personal information like Cordray's

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family appointments. Perhaps that could lessen the burden. Best, Carter ----- Original Message ----From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) To: William.Holzerland@cfpb.gov At: 9/02 12:34:25 Bill, Do we have an ETA on this one? Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 8/31 10:45:17 Good morning Carter, It was a pleasure chatting with you briefly this morning about the scope of item #1 in your request for records related to Richard Cordray, where you sought his calendar for April-July 2011. Per our conversation, the CFPB will exclude attachments to Mr. Cordray's calendar and the scope of our response to this item will be limited to the calendar itself. My understanding is that while we're excluding attachments for purposes of this request, you may submit a future request for these attachments after reviewing the calendar records the CFPB will release in response to this item. Thanks again and enjoy the rest of your day! Regards, Bill William H. Holzerland, CIPP/G Senior FOIA Analyst & FOIA Public Liaison Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: 202-435-7262 www.consumerfinance.gov

Obtained via FOIA by Judicial Watch, Inc.


From: To: Subject: Date: Kitt, Brett (CFPB) Michalosky, Martin (CFPB); Holzerland, William (CFPB) RE: Re:Scope of CFPB-2011-012 Friday, September 09, 2011 4:53:36 PM

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Brett M. Kitt Senior Counsel Office of the General Counsel Consumer Financial Protection Bureau Tel: 202 435 7087 consumerfinance.gov Confidentiality Notice: If you received this email by mistake, you should notify the sender of the mistake and delete the e-mail and any attachments. An inadvertent disclosure is not intended to waive any privileges. -----Original Message----From: Kitt, Brett (CFPB) Sent: Friday, September 09, 2011 4:52 PM To: Michalosky, Martin (CFPB); Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-012

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Brett M. Kitt Senior Counsel Office of the General Counsel Consumer Financial Protection Bureau Tel: 202 435 7087 consumerfinance.gov Confidentiality Notice: If you received this email by mistake, you should notify the sender of the mistake and delete the e-mail and any attachments. An inadvertent disclosure is not intended to waive any privileges. -----Original Message----From: Michalosky, Martin (CFPB) Sent: Friday, September 09, 2011 4:51 PM To: Kitt, Brett (CFPB); Holzerland, William (CFPB) Subject: Re: Re:Scope of CFPB-2011-012 Thanks. We can get him Peggys calendar too. ----- Original Message ----From: Kitt, Brett (CFPB) Sent: Friday, September 09, 2011 03:39 PM To: Holzerland, William (CFPB); Michalosky, Martin (CFPB) Subject: RE: Re:Scope of CFPB-2011-012 Thanks, Bill (b) (5)

Obtained via FOIA by Judicial Watch, Inc.


(b) (5)

Brett M. Kitt Senior Counsel Office of the General Counsel Consumer Financial Protection Bureau Tel: 202 435 7087 consumerfinance.gov Confidentiality Notice: If you received this email by mistake, you should notify the sender of the mistake and delete the e-mail and any attachments. An inadvertent disclosure is not intended to waive any privileges. -----Original Message----From: Holzerland, William (CFPB) Sent: Friday, September 09, 2011 3:32 PM To: Michalosky, Martin (CFPB); Kitt, Brett (CFPB) Subject: FW: Re:Scope of CFPB-2011-012 Gents,

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Thanks, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Friday, September 09, 2011 2:33 PM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 Bill, Can you give me a call on FOIA #2? I did some pondering on the best way forward. Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/07 12:56:56 Understood. Thanks again, Carter.

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Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 07, 2011 11:50 AM To: Holzerland, William (CFPB) Subject: RE: Re:Scope of CFPB-2011-002 item #1 Bill, As long as the intent to provide the information is ironclad, then I'm not going to pound the table about the date, at least not right now. Sept. 30 is a different matter. But I'm sure you know that. Best and thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 9/07 11:48:00 Thanks, Carter. As I said on the phone yesterday, two to three weeks from now would be the current estimated date of completion for the response on the calendar request. Based on that, it means we anticipate issuing a response between September 23 and September 30 at this time. I also mentioned that I cannot give you a guaranteed date certain, and that an estimate is not ironclad. However, we hope to get the response out sooner than we currently anticipate and will keep you posted in any event. Regards, Bill -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Wednesday, September 07, 2011 11:33 AM To: Holzerland, William (CFPB) Subject: Re:Scope of CFPB-2011-002 item #1 Bill, I pondered request #1 overnight and here is my thought. As I understand it, you've confirm that you can provide the Cordray calendar under the request I made. You said it would take two or three weeks more. That puts us at Sept. 23. That is a date I can live with. Kindly confirm. It is also worth mentioning that my request does not in any way seek personal information like Cordray's family appointments. Perhaps that could lessen the burden. Best, Carter ----- Original Message -----

Obtained via FOIA by Judicial Watch, Inc.


From: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) To: William.Holzerland@cfpb.gov At: 9/02 12:34:25 Bill, Do we have an ETA on this one? Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6) ----- Original Message ----From: William Holzerland <William.Holzerland@cfpb.gov> To: CARTER DOUGHERTY (BLOOMBERG/ NEWSROOM:) At: 8/31 10:45:17 Good morning Carter, It was a pleasure chatting with you briefly this morning about the scope of item #1 in your request for records related to Richard Cordray, where you sought his calendar for April-July 2011. Per our conversation, the CFPB will exclude attachments to Mr. Cordray's calendar and the scope of our response to this item will be limited to the calendar itself. My understanding is that while we're excluding attachments for purposes of this request, you may submit a future request for these attachments after reviewing the calendar records the CFPB will release in response to this item. Thanks again and enjoy the rest of your day! Regards, Bill William H. Holzerland, CIPP/G Senior FOIA Analyst & FOIA Public Liaison Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: 202-435-7262 www.consumerfinance.gov

Obtained via FOIA by Judicial Watch, Inc.


From: To: Subject: Date: Holzerland, William (CFPB) O"Mealia, Sean (CFPB) RE: FOIA CFPB-2011-002 for OGC/Enforcement review Thursday, September 01, 2011 12:25:00 PM

Thanks again for the lightning-fast turnaround. From: O'Mealia, Sean (CFPB) Sent: Thursday, September 01, 2011 12:18 PM To: Holzerland, William (CFPB) Subject: RE: FOIA CFPB-2011-002 for OGC/Enforcement review

Hi Bill,
(b) (5), (b) (6)

Otherwise I think this looks great. Thanks, Sean


From: Holzerland, William (CFPB) Sent: Wednesday, August 31, 2011 11:23 AM To: Kitt, Brett (CFPB); O'Mealia, Sean (CFPB) Cc: Banks, Dominique (CFPB); Michalosky, Martin (CFPB) Subject: RE: FOIA CFPB-2011-002 for OGC/Enforcement review Importance: High Sean and Brett, I spoke with Carter Dougherty of Bloomberg this morning about the scope of item #1 of his request, where he sought Mr. Cordrays calendar. Per that conversation, Mr. Dougherty agreed the CFPB may exclude attachments to Mr. Cordrays calendar and the scope of our response to this item will be limited to the calendar itself. However, please note that while were excluding attachments for purposes of this request, Mr. Dougherty stated he may submit a future request for these attachments after reviewing the calendar records the CFPB will release in response to this item.So, the first 201 pages of the PDF document need to be reviewed and theres no need to review the balance of the records that were uploaded to Sharepoint this morning. Regards, Bill From: Holzerland, William (CFPB) Sent: Wednesday, August 31, 2011 10:15 AM To: Kitt, Brett (CFPB); O'Mealia, Sean (CFPB) Cc: Banks, Dominique (CFPB); Michalosky, Martin (CFPB); Crissman, Gregory (CFPB) Subject: FW: FOIA CFPB-2011-002 for OGC/Enforcement review All, I wanted to confirm non-receipt of the email message below. I attempted to send you a very large PDF file for review last evening, and a colleague in cyber security (copied here) indicated there was an issue with the message and asked me to confirm that it did not go through. Secondly, since the file is too big to email, it will be on the Sharepoint site for you to review. Sean, youve been added to the access list so you can review this request. The

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document can be found here: http://thegreen.treas.gov/bureau/cfpb/promgt/foia/FOIA%20Requests/Forms/AllItems.aspx . Regards, Bill From: Holzerland, William (CFPB) Sent: Tuesday, August 30, 2011 4:22 PM To: Kitt, Brett (CFPB); O'Mealia, Sean (CFPB) Cc: Banks, Dominique (CFPB); Michalosky, Martin (CFPB) Subject: FOIA CFPB-2011-002 for OGC/Enforcement review Good afternoon Brett and Sean,

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Any assistance you can provide would be most appreciated. Thanks for your help, gents! Regards, Bill William H. Holzerland, CIPP/G Senior FOIA Analyst & FOIA Public Liaison Office of Privacy, Information Disclosure (FOIA), Records, & Transparency Phone: 202-435-7262 www.consumerfinance.gov

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From: To: Subject: Date: Holzerland, William (CFPB) Michalosky, Martin (CFPB) RE: Bloomberg Request Monday, June 06, 2011 3:37:00 PM

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-----Original Message----From: Michalosky, Martin (CFPB) Sent: Monday, June 06, 2011 2:22 PM To: Holzerland, William (CFPB) Subject: Fw: Bloomberg Request FYI...what do you think? ----- Original Message ----From: Howard, Jennifer (CFPB) Sent: Friday, June 03, 2011 11:21 AM To: Howard, Jennifer (CFPB); Geldon, Daniel (CFPB); Jackson, Peter (CFPB); Adeyemo, Adewale (Wally) (CFPB); Kennedy, Leonard (CFPB); Gordon, Michael (CFPB); Fuchs, Meredith (CFPB); Michalosky, Martin (CFPB) Subject: RE: Bloomberg Request Looping in Marty as well. Jen Howard Senior Spokesperson Consumer Financial Protection Bureau E: Jennifer.Howard@treasury.gov O: 202-435-7454 C: (b) (6) -----Original Message----From: Howard, Jennifer (CFPB) Sent: Friday, June 03, 2011 11:16 AM To: Geldon, Daniel (CFPB); Jackson, Peter (CFPB); Adeyemo, Adewale (Wally) (CFPB); Kennedy, Leonard (CFPB); Gordon, Michael (CFPB); Fuchs, Meredith (CFPB) Subject: Bloomberg Request Carter from Bloomberg is asking to receive the documents we provided to Thomson Westlaw without (b) (5) having to FOIA them himself.

(b) (5)

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Jen Howard Senior Spokesperson Consumer Financial Protection Bureau E: Jennifer.Howard@treasury.gov O: 202-435-7454 C: (b) (6) -----Original Message----From: CARTER DOUGHERTY, BLOOMBERG/ NEWSROOM: [mailto:cdougherty6@bloomberg.net] Sent: Friday, June 03, 2011 11:10 AM To: Howard, Jennifer (CFPB) Subject: Is this request for FOIA Which is pratically a public document itself, so thoroughly has it been circulated. Thanks, Carter -----------------------------------------------------------Carter Dougherty Bloomberg News Consumer Finance Reporter - DC o. +1 202 624 1907 c. (b) (6)