Testimony

• March 1, 2023: Commissioner provides testimony before the Pensions, Investments and Financial Services

• November 17, 2022: Commissioner provides testimony before the Senate Business and Commerce Committee
• August 25, 2022: Commissioner Provides Testimony to House Pensions, Investments & Financial Services Committee

• March 3, 2021: Commissioner provide testimony to House Pensions, Investments & Financial Services Committee

• August 28, 2020: Commissioner provides information to House Pensions, Investments & Financial Services Committee

• February 14, 2019: Commissioner provide testimony to House Pensions, Investments & Financial Services Committee

• January 31, 2018: Commissioner provides testimony to House Investments and Financial Services
• April 24, 2018: Commissioner and Deputy Commissioner provide testimony to House Investments and Financial Services

• February 28, 2017: Commissioner provides testimony to House Investments and Financial Services

• June 9, 2016: Commissioner and Director of IT Security Examinations testify on Cybersecurity before the House Committee on Business and Industry
• April 28, 2016: Commissioner testifies before the House Committee on State Affairs on the Condition of the Texas State Banking System
• April 12, 2016: Commissioner testifies before the House Committee on Investments and Financial Services on interim charges relating to community banks
• April 12, 2016: Commissioner and Director of IT Security Examinations testify before the House Committee on Investments and Financial Services on interim charges relating to cybersecurity
• March 29, 2016: Commissioner testifies before the House Committee on Investments and Financial Services

• February 18, 2015: Commissioner testifies before the House Committee on Investments and Financial Services

No Testimony was provided this year.

• February 18, 2013 PowerPoint: Commissioner testifies before the House Committee on Investments and Financial Services

No Testimony was provided this year.

• March 1, 2011 PowerPoint: Commissioner testifies before the House Committee on Pensions, Investments, and Financial Services
• February 23, 2011 PowerPoint: Commissioner testifies before the Senate Finance Committee

• August 11, 2010 PowerPoint: Commissioner testifies before the House Committee on Pensions, Investments, & Financial Services
• April 26, 2010 PDF: Joint testimony on Self-Directed Semi-Independent (SDSI) provided to the House Appropriations Subcommittee on Business & Economic Development by the Texas Finance Commission Agencies and the Credit Union Department

• April 2, 2009 PowerPoint: Joint testimony on banking and thrift issues provided to the House Committee on Pensions, Investments, & Financial Services by Banking Commissioner Cooper and Savings and Mortgage Lending Commissioner Foster
• March 4, 2009 PowerPoint: Commissioner testifies before the House Committee on Pensions, Investments, & Financial Services regarding the Department’s operations
• February 26, 2009 PowerPoint: Commissioner testifies before the House Appropriations Subcommittee on Business and Economic Development
• February 20, 2009 PowerPoint: Commissioner testifies before the Senate Finance Committee on the agency’s budget

• September 11, 2008 PowerPoint: Budget testimony is provided to the Governor’s Office of Budget, Planning and Policy and Legislative Budget Board.
• June 11, 2008 PowerPoint: Testimony presented to the House Financial Institutions Committee regarding residential mortgage foreclosure, credit cards, and financial education
• April 22, 2008 PowerPoint: Testimony presented to the House Committee on Business and Industry regarding House Bill 2002 and the implementation of the Closed Account Notification System
• April 2, 2008 PowerPoint: Testimony presented to the House Financial Institutions Committee regarding the Overview of Issues for Interim Charge Related to Insurance Funded Prepaid Funeral Contracts
• January 23, 2008 PowerPoint: Testimony provided to the House Financial Institutions Committee regarding impact of House Bill 716 and Mortgage Fraud Task Force

• May 10, 2007 PDF: Testimony provided to the Senate Business and Commerce Committee regarding HB 2754
• April 24, 2007 PDF: Testimony provided to the Senate Business and Commerce Committee regarding HB 2007
• April 16, 2007 PowerPoint: Testimony provided to the House Financial Institutions Committee regarding HB 3436
• March 26, 2007 PDF: Testimony provided to the House Financial Institutions Committee regarding HB 2754
• March 19, 2007 PDF: Testimony provided to the House Financial Institutions Committee regarding HB 2007
• March 19, 2007 PDF: Testimony provided to the House Financial Institutions Committee regarding HB 1962
• February 12, 2007 PowerPoint: Testimony about the Department’s operations is provided to the House Financial Institutions Committee by Commissioner James
• February 6, 2007 PowerPoint: Budget testimony is provided to the House Appropriations Regulatory Subcommittee
• January 30, 2007 PowerPoint: Commissioner testifies before the Senate Finance Committee on the agency’s budget

• September 26, 2006 PowerPoint: Deputy Commissioner Newberg testifies before the Senate Finance Committee about charges for wire transfers
• September 7, 2006 PowerPoint: Commissioner testifies before the LBB and Governor’s Office about the agency’s budget for FY 2008 and 2009

• September 22, 2005 PDF: Commissioner James provides updated testimony on behalf of CSBS following the filing of HR 3505 by Congressman Jeb Hensarling of Texas
• June 9, 2005 PDF: Commissioner James testifies on behalf of CSBS before the House Financial Services Subcommittee on Financial Institutions about regulatory burden
• February 7, 2005 PowerPoint: Legislative briefing given to the House Financial Institutions Committee
• February 7, 2005 PowerPoint: Testimony given to the House Appropriations - Regulatory Subcommittee about the Department’s budget
• January 31, 2005 PowerPoint: Testimony presented to the Senate Finance Committee on the Department’s budget. Committee meeting was originally scheduled for 1-25-05

• September 13, 2004 PowerPoint: Commissioner provides budget testimony to Senate Finance Committee
• September 7, 2004 PowerPoint: Commissioner provides budget testimony to Governor’s Office and LBB
• August 12, 2004 PowerPoint: Deputy Commissioner Griffin and General Counsel Jobe testify on subprime and predatory lending
• June 16, 2004 PowerPoint: Commissioner provides additional testimony on commercial usury
• May 3, 2004 PowerPoint: Commissioner presented testimony to the Senate Business and Commerce Committee on usury
• April 20, 2004 PowerPoint: Testimony presented before the House Financial Institutions Committee regarding federal preemption of Texas laws
• April 12, 2004 PowerPoint: Deputy Commissioners Griffin and Newberg give testimony to the Senate Finance Committee on regulatory fees charged by the agency

• February 25, 2003 PDF: Material provided during testimony before the House Committee on Appropriations regarding the agency’s budget in fiscal years 2004 – 2005
• February 18, 2003 PDF: Testimony presented before the House Committee on Government Reform regarding the Department’s statutory mandates and chartering / licensing procedures
• February 17, 2003 PDF: Testimony presented before the House Financial Institutions Committee regarding industry legislation
• February 12, 2003 PowerPoint: Testimony presented before the Senate Finance Committee regarding the requested reduction in appropriations for the 2004 and 2005 biennium
• February 11, 2003 PowerPoint: Testimony presented before the House Committee on Appropriations Regulatory Subcommittee regarding the requested expenditure reductions for fiscal year 2003 and the next biennium

• August 23, 2002 PowerPoint: Testimony to the Texas House of Representatives Committee on Criminal Jurisprudence regarding Identity Theft as reported by the Texas Department of Banking from Filed Consumer Complaints
• June 4, 2002 PDF: Testimony to the House Committee on Financial Institutions regarding practices of financial institutions to comply with consumer privacy provisions of the Gramm-Leach-Bliley Act, and assess the ease and convenience afforded customers in exercising their choices
• June 4, 2002 PowerPoint: Testimony to the House Committee on Financial Institutions and House Committee on Agriculture regarding the ability of the Texas agricultural community to gain access to capital markets throughout the state
• May 21, 2002 PDF: Testimony to the Senate Business and Commerce Subcommittee regarding Federal preemption: Reporting, Fees, and Disclosures
• May 21, 2002 PDF: Testimony to the Texas Senate Business and Commerce Subcommittee regarding statistical information and definitions about bank non-interest income
• March 5, 2002 PDF: Briefing packet for House Committee on Appropriations Regulatory Sub-Committee presented by Randall S. James, Banking Commissioner
• January 9, 2002 PDF: Testimony presented to The Business and Commerce Committee of the Texas Senate on Interim Charge #4 by Randall S. James, Banking Commissioner

• March 19, 2001 PDF: Testimony presented to the House Committee on Financial Institutions on House Bill 2155 (Financial Modernization) by Randall S. James, Banking Commissioner
• March 13, 2001 PDF: Testimony presented to the Senate Committee on Business and Commerce on Senate Bill 711 (the business of selling checks) by Randall S. James, Banking Commissioner
• March 12, 2001 PDF: Testimony presented to The House Committee on Financial Institutions on House Bill 1522 (asset seizure and forfeiture) by Randall S. James, Banking Commissioner
• March 12, 2001 PDF: Testimony presented to the House Committee on Financial Institutions on House Bill 1768 (technical corrections and regulatory improvements) by Randall S. James, Banking Commissioner
• March 5, 2001 PDF: Testimony of Sarah Shirley, Assistant General Counsel with the Texas Department of Banking, as a resource witness at the hearing on Senate Bill 626 (asset seizure and forfeiture) before the Senate Committee on Jurisprudence
• February 19, 2001 PDF: Testimony presented to The House Committee on Financial Institutions on House Bill 1166 (the business of selling checks) by Randall S. James, Banking Commissioner
• January 30, 2001 PDF: Testimony presented before the House Committee on Appropriations Regulatory Subcommittee on House Bill One (the prioritization of unfunded items) by Randall S. James, Banking Commissioner
• January 30, 2001 PDF: Testimony presented before the Finance Committee of the Texas Senate on Senate Bill One (the prioritization of unfunded items) by Randall S. James, Banking Commissioner

• December 12, 2000 PDF: Testimony presented before the Sunset Advisory Commission on the Funeral Service Commission's Sunset report by Randall S. James, Banking Commissioner
• May 4, 2000 PDF: Testimony (Interim Studies for Financial Services Modernization) presented before House Committee on Financial Institutions and the House Committee on Insurance by Randall S. James, Banking Commissioner
• April 25, 2000 PDF: Testimony (Compliance Status of Performance Measures) presented to the House Appropriations Regulatory Sub-Committee by Randall S. James, Banking Commissioner
• April 17, 2000 PDF: Testimony presented before the House Select Committee on Constitutional Revision by Randall S. James, Banking Commissioner
• April 6, 2000 PDF: Testimony (Home Equity Lending Survey Results) presented before the House
• April 6, 2000 PDF: Testimony (What is the Department of Banking Doing?) presented before the House Committee on Financial Institutions by Randall S. James, Banking Commissioner
• January 25, 2000 PDF: Testimony presented before the National Drought Policy Commission by Gayle L. Griffin, Banking Deputy Commissioner 

• November 1, 1999 PDF: Testimony presented before the Senate Economic Development Committee on Interim Studies for Financial Modernization by Randall S. James, Acting Commissioner, Texas Department of Banking
• April 6, 1999 PDF: Testimony Presented to the House Committee on Financial Institutions by Catherine A. Ghiglieri, Commissioner, HB 2223 by Solomons, Amendments to the Sale of Checks Act
• March 29, 1999 PDF: Testimony Presented to the House Committee on Financial Institutions by Catherine A. Ghiglieri, Commissioner, HB 2320 by Cuellar, Amendments to the Currency Exchange Act
• March 29, 1999 PDF: Testimony Presented to the House Committee on Financial Institutions by Catherine A. Ghiglieri, Commissioner, HB 2066/SB861, Interstate Banking and Branching
• March 21, 1999 PDF: Summary of House Bill 2066/Senate Bill 861: Interstate Banking and Branching
• February 24, 1999 PDF: Testimony of Catherine A. Ghiglieri, Banking Commissioner, for the State of Texas on behalf of the Conference of State Bank Supervisors before the Committee on Banking, Housing, and Urban Affairs, United States Senate - Washington, D.C.
• February 15, 1999: Presentation to the House Committee on Financial Institutions by Catherine A. Ghiglieri, Commissioner, Overview of the Texas Department of Banking - Austin, Texas
  • Presentation
  • Supplement
• February 8, 1999: Testimony on Contractors/Consultants Presented by Catherine A. Ghiglieri to the House Committee on Appropriations Regulatory Subcommittee on behalf of the Texas Department of Banking  and the Finance Commission of Texas - Austin, Texas
  • Department of Banking
  • Finance Commission
• February 8, 1999: Testimony on HB 1 Presented by Catherine A. Ghiglieri to the Texas House of Representatives Committee on Appropriations Regulatory Subcommittee on behalf of the Texas Department of Banking and Finance Commission of Texas - Austin, Texas
  • Department of Banking
  • Finance Commission
• February 1, 1999: Testimony to the Texas Senate Finance Committee on Senate Bill 2 on Behalf of the Texas Department of Banking and Finance Commission of Texas by Catherine A. Ghiglieri - Austin, Texas
  • Department of Banking
  • Finance Commission 
• January 26, 1999 PDF: Testimony presented to brief the Texas Legislature on the Banking Industry's Preparedness for the Year 2000 - Austin, Texas

• December 9, 1998 PDF: Testimony Presented to the Texas House of Representatives Committee on Appropriations Performance Results and Year 2000 Update for the Texas Finance Commission by Randall S. James Texas Department of Banking Deputy Banking Commissioner - Austin, Texas
• October 21, 1998 PDF: Testimony of Catherine A. Ghiglieri, Banking Commissioner, State of Texas, Before the House Interim Financial Institutions Committee - ATM Operations - Austin, Texas
• September 17, 1998 PDF: Testimony of Catherine A. Ghiglieri, Banking Commissioner, State of Texas, Before the House Interim Financial Institutions Committee - Interstate Branching - Austin, Texas
• April 29, 1998 PDF: Testimony of Catherine A. Ghiglieri Banking Commissioner on Behalf of the Conference of State Bank Supervisors Before the House Committee on Banking and Financial Services, U.S. House of Representatives - Washington, D.C.
• March 11, 1998 PDF: Testimony of Randall S. James, Deputy Banking Commissioner, Presented to the Texas House Subcommittee on Internal Consumer Protection - Austin, Texas
• January 26, 1998 PDF: Testimony presented by Texas Banking Commissioner Catherine A. Ghiglieri to the Texas House of Representatives Committee on Appropriations Subcommittee on Major Information Systems - Austin, Texas
• January 21, 1998: Testimony presented by Texas Banking Commissioner Catherine A. Ghiglieri to the Texas Senate Finance Subcommittee on Articles 2 & 8 Agencies regarding the Department of Banking and Finance Commission’s Experience with the State's Budgeting & Appropriations Process - Austin, Texas
  • Department of Banking
  • Finance Commission 

• October 8, 1997 PDF: Testimony of Texas Banking Commissioner Catherine A. Ghiglieri on behalf of the Conference of State Bank Supervisors before the Financial Institutions & Consumer Credit Subcommittee of the House Banking and Financial Services Committee, United States House of Representatives - Washington, D.C.
• July 17, 1997 PDF: Testimony of Texas Banking Commissioner Catherine A. Ghiglieri on behalf of the Conference of State Bank Supervisors before the Finance and Hazardous Materials Subcommittee of the House Commerce Committee, United States House of Representatives - Washington, D.C.
• May 1, 1997 PDF: Testimony on H. B. 1870 by Marchant, the Texas Trust Company Act, presented by Catherine A. Ghiglieri to the Senate Economic Development Committee - Austin, Texas
• March 24, 1997 PDF: Testimony of Catherine A. Ghiglieri Banking Commissioner of Texas Presented to Committee on Financial Institutions of the Texas House of Representatives - Austin, Texas
• March 17, 1997 PDF: Testimony on H. B. 1870 by Marchant, the Texas Trust Company Act, presented by Catherine A. Ghiglieri to the Committee on Financial Institutions of the Texas House of Representative - Austin, Texas
• March 11, 1997 PDF: Testimony on Nonrecourse Lending Presented by Catherine A. Ghiglieri to the Subcommittee on Home Equity Lending on the House Committee on Financial Institutions- Austin, Texas
• March 11, 1997 PDF: Testimony on H.B. 1843 by Marchant (Sale of Prepaid Funeral Services or Funeral Merchandise) Presented by Commissioner Catherine A. Ghiglieri to the Texas House of Representatives Financial Institutions Committee - Austin, Texas
• January 6, 1997 and February 12, 1997: Testimony of Catherine A. Ghiglieri presented to the Senate Finance Committee and the House Appropriations Committee Regarding the Appropriations Request for the Finance Commission of Texas - Austin, Texas
  • Department of Banking
  • Finance Commission