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TRANSCRIPT OF THEFEDERAL RESERVE SYSTEMCONSUMER ADVISORY COUNCIL MEETINGTHURSDAY, MARCH 8, 2007The Consumer Advisory Council met at the offices of the Board of Governorsof the Federal Reserve System, in Dining Room E, Terrace Level in the Martin Building at 20thand C Streets, N.W., Washington, D.C., at 9:00 a.m., Lisa Sodeika, Chair, presiding.
 Members present:
Lisa Sodeika, ChairTony Brown, Vice ChairStella AdamsFaith AndersonDorothy BridgesCarolyn CarterMichael Cook Donald CurrieKurt EggertJason EngelJoseph Falk Louise GissendanerPatricia HassonDeborah Hickok Thomas JamesSarah LudwigMark MetzLance MorganJoshua PeirezAnna McDonald RentschlerEdna SawadyFaith Arnold SchwartzEdward Sivak Cooke SunooLinda TinneyLuz UrrutiaAlan WhiteMarva Williams
 
 
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Others present:
 Benjamin Bernanke, Chairman, Board of GovernorsSusan Bies, member, Board of GovernorsRandall Kroszner, member, Board of GovernorsFrederic Mishkin, member, Board of GovernorsSandra Braunstein, Director, Division of Consumer and Community Affairs
 
 
3 C-O-N-T-E-N-T-SAGENDA ITEM PAGEANNOUNCEMENTS............................................................................4HOME MORTGAGE FORECLOSURES.............................................5MODEL FINANCIAL PRIVACY NOTICES....................................43AMENDMENTS TO REGULATION E.............................................49CHECK HOLDING PRACTICES......................................................58MEMBERS FORUM...........................................................................6
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 COMMITTEE REPORTS...................................................................76ADJOURN
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