CBA’s Policy Committees

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Learn more about CBA’s policy committees, how they interact and how they assist with the department’s advocacy efforts.

CBA’s state government relations department staff work to identify state legislation that directly affects financial services. If legislation appears to have a singular and/or significant impact on financial services, CBA staff review the measure, analyze existing law and determine the reasons for the bill’s introduction. This information is sent to the appropriate policy committee(s) which is asked to provide their analysis and recommend a position on the bill.

CBA’s policy committees consist of members in executive, senior management, government relations or legal counsel positions within their organizations. These members must be able to take positions on state legislation on behalf of their organization and the industry. Policy committee members may also be asked to provide data and/or testimony before legislative committees or regulatory authorities on behalf of CBA.

CBA’s committees review and analyze legislation to identify the favorable and/or unfavorable impact of the legislation on issues impacting banking in California. After careful review and analysis of the bill, the policy committee recommends a consensus position. These positions are forwarded to the State Government Relations Committee which makes the final decision regarding official CBA positions. If there is significant diversity of opinion among CBA members regarding the legislation’s impact on the banking industry, CBA may refrain from taking a consensus position and allow its members to take individual positions.

CBA’s Policy Committees

State Government Relations Committee

It is the duty of the State Government Relations Committee (SGRC) to arrive at a consensus position on referred legislation. This is because the SGRC has jurisdiction and authority over official positions CBA takes on each measure which dictates the department’s advocacy efforts before the state legislature and the governor’s office.

The SGRC maintains five strategic principles:

  • Promote a competitive and free market among financial service providers by supporting unfettered pricing competition and opposing legislative price regulation
  • Support, at least, a level playing field with our competitors
  • Oppose adoption of state statutes that are inconsistent and/or duplicative of federal rules
  • Affirm meaningful and efficient disclosure requirements that help consumers exercise real choice
  • Operate with transparency and integrity

CBA Staff Contact: Kevin Gould

Agricultural Lending Committee

The Agricultural Lending Committee provides input on a variety of topics including water rights, toxics and producer’s liens.

CBA Staff Contact: Melanie Cuevas

Commercial Lending Committee

The Commercial Lending Committee provides input on a variety of topics including collateral, equipment loans, inventory loans, toxics liability, audits, auditors, limited liability companies, stop notices, mechanic liens, enterprise zones and economic development.

CBA Staff Contact: Kevin Gould

Consumer Lending Committee

The Consumer Lending Committee provides input on a variety of topics including auto lending, payday lending, mobile home lending, home improvement contracts, student lending and lending to military personnel.

CBA Staff Contact: Jason Lane

Human Resources Committee

The Human Resources Committee provides input on a variety of topics including employee wages and hours, insurance and benefits, employment discrimination, and workplace safety.

CBA Staff Contact: Melanie Cuevas

Legal Affairs Committee

The Legal Affairs Committee provides input on a wide range of topics including many that parallel other policy committees. This committee is comprised of attorneys who bring a bank counsel perspective to their recommendations. The committee is made up of five subject-specific subcommittees: Civil Action, Commercial/Consumer Lending, Human Resources, Mortgage Lending, and Operations. These subcommittees are called upon as-needed to review measures and recommend positions.

CBA Legal and Regulatory Issues Contact: Mike Webb
CBA Legislative Issues Contact: Kevin Gould

Mortgage Lending Committee

The Mortgage Lending Committee provides input on a variety of topics including liens, home equity lending, hazard insurance, nuisance abatement, escrow, fair lending, disclosures, reconveyances, predatory lending, foreclosures, common interest developments, mortgage insurance and reverse mortgages.

CBA Staff Contact: Kevin Gould

Payment Systems Committee

The Payment Systems Committee provides input on a variety of topics including convenience checks, credit scores, identity theft, data breaches, live checks, credit reports, privacy and biometric identifiers.

CBA Staff Contact: Jason Lane

Taxation Committee

The Taxation Committee provides input on a variety of topics including trust taxation, Subchapter S, in lieu, split roll and the state budget. In addition, the members are expected to identify trends and developments in the taxation arena and disseminate such information to CBA members on an as-needed basis. They form associations when needed with other related trade and professional organizations to protect the common interests of business taxpayers.

CBA Staff Contact: Jason Lane

Trust and Investment Services Committee

The Trust and Investment Services Committee provides input on a variety of topics including fiduciary accounts, conservatorship, guardian ad litem, probate code, testamentary instruments, intestate succession, decedent’s estates, wills, securities, mutual funds and registered domestic partners. In addition, the committee has the responsibility to keep the membership informed regarding important developments in the trust industry.

CBA Staff Contact: Kevin Gould

CBA’s Task Forces

CBA’s policy committees deal with a variety of issues; however, pressing banking related issues arise in the legislature that CBA does not have a specified policy committee to deal with. In this case, it is necessary to create a specialized task force.

A task force is comprised of bank representatives with expertise in the related subject area. The members are only responsible for providing recommendations to CBA as they cannot take formal positions on legislation.

Student Lending Task Force

This task force complements CBA’s established policy committees and provides guidance to CBA in determining the impact of forthcoming legislative proposals and what, if any, recommendations would be advisable.  This task force recommends positions on current student lending legislation and reports to the State Government Relations Committee.

CBA Staff Contact: Melanie Cuevas