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The record includes opening and prepared statements from senior executives representing major financial institutions, followed by additional submitted materials for the record. 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\nSEPTEMBER 21,2022  \nPrinted for the use of the Committee on Financial Services  \nSerial No.117-100  \n出  \nHOLDING MEGABANKS ACCOUNTABLE:OVERSIGHT OFAMERICA’S LARGEST CONSUMER FACING BANKS  \nHOLDING MEGABANKS ACCOUNTABLE:OVERSIGHT OF AMERICA’S LARGESTCONSUMER FACING BANKS  \nHYBRID HEARING  \nBEFORE THE  \nCOMMITTEE ON FINANCIAL SERVICESU.S.HOUSE OF REPRESENTATIVES  \nONE HUNDRED SEVENTEENTH CONGRESS  \nSECOND SESSION  \nSEPTEMBER 21,2022  \nPrinted for the use of the Committee on Financial Services  \nSerial No.117-100  \n资  \nU.S.GOVERNMENT PUBLISHING OFFICEWASHINGTON:2022  \nCAROLYN B.MALONEY,New YorkNYDIA M.VELAZQUEZ,New YorkBRAD SHERMAN,CaliforniaGREGORY W.MEEKS,New YorkDAVID SCOTT,GeorgiaAL GREEN,TexasEMANUEL'CLEAVER,MissouriED PERLMUTTER,ColoradoJLMA.HIMES.ConnecticutBILL FOSTER,IllinoisJOYCE BEATTY,OhioJUAN VARGAS,CaliforniaJOSH GOTTHEIMER,New JerseyVICENTE GONZALEZ,TexasAL LAWSON,FloridaMICHAEL SAN NICOLAS,GuamCINDY AXNE,IowaSEAN CASTEN IIlinoigAYANNA PRESSLEY,MassachusettsRITCHIE TORRES,New YorkSTEPHEN F.LYNCH,MassachusettsALMA ADAMS,North CarolinaRASHIDA TLAIB,MichiganMADELEINE DEAN,PennsylvaniaALEXANDRIA OCASIO-CORTEZ,New YorkJESUS“CHUY”GARCIA,IllinoisSYLVIA GARCIA,TexasNIKEMA WILLIAMS,GeorgiaJAKE AUCHINCLOSS,Massachusetts  \nHOUSE COMMITTEE ON FINANCIAL SERVICES  \nMAXINE WATERS,California,Chairuoman  \nPATRICK McHENRY,North Carolina,Ranking MemberFRANK D.LUCAS,OklahomaBILL POSEY,FloridaBLAINE LUETKEMEYER,MissouriBILLHUIZENGA,MichiganANN WAGNER,MissourANDY BARR,KentuckyROGER WILLIAMS,TexasFRENCH HILL,ArkansasTOM EMMER,MinnesotaLEE M.ZELDIN,New YorkBARRY LOUDERMILK,GeorgiaALEXANDER X.MOONEY,West VirginiaWARREN DAVIDSON.OhiTED BUDD,North CarolinaTREY HOLLINGSWORTH,IndianaANTHONY GONZALEZ,OhioJOHN ROSE,TennesseeBRYAN STEIL,WisconsinLANCE GOODEN,TexasWILLIAM TIMMONS,South CarolinaVAN TAYLOR,TexasPETE SESSIONS,TexasRALPH NORMAN,South Carolina  \nCONTENTS  \nPage  \nHearing held on:  \nSeptember 21,2022 ……………………………………………………………………………………………………………………1  \nAppendix:  \nSeptember 21,2022 ……………………………………………………………………………………………………………………103  \nWITNESSES  \nWEDNESDAY, SEPTEMBER 21,2022  \nCecere,Andy,Chairman, President, and CEO, U.S. Bancorp…………………………………5Demchak,William, Chairman, President, and CEO, The PNC Financial Serv-  \nices Group, Inc…………………………………………………………………………………………………………………6  \nDimon, Jamie, Chairman and CEO,JPMorgan Chase & Co…………………………………………8  \nFraser, Jane, CEO, Citigroup……………………………………………………………………………………………10  \nMoynihan, Brian, Chairman and CEO,Bank of America ……………………………………………11  \nRogers, William H.,Jr., Chairman and CEO, Truist Financial Corporation …13  \nScharf, Charles W., President and CEO, Wells Fargo and Company ……………………15  \nAPPENDIX  \nPrepared statements:  \nCecere, Andy ……………………………………………………………………………………………………………………………………104  \nDemchak,William …………………………………………………………………………………………………………………115  \nDimon, Jamie ……………………………………………………………………………………………………………………………139Fraser, Jane ……………………………………………………………………………………………………………………………153  \nMoynihan, Brian………………………………………………………………………………………………………………………166  \nRogers, William H., Jr………………………………………………………………………………………………………………………190  \nScharf, Charles W……………………………………………………………………………………………………………………226  \nADDITIONAL MATERIAL SUBMITTED FOR THE RECORD  \nWaters,Hon. Maxine:  \nAmerican Association for Justice, \"Forced Arbitration and Big Banks:  \nWhen Consumers Pay To Be Ripped Off,”dated September 2022 ……………247  \nWritten statement of the National Iranian American Council ………………………254  \nRose, Hon. John:  \nFederal Reserve,FDIC,National Credit Union Administration, and OCC  \nJoint Statement on the Risk-Based Approach to Assessing Customer  \nRelationships and Conducting Customer Due Diligence, dated July 6,  \n2022 ………………………………………………………………………………………………………………………………257  \nArticle from The Wall Street Journal entitled,\"Gas-Station ATMs Are  \na Banking Battleground,”dated February 19,2022…………………………","cbCaijVrwFBX3Pa8","https://ap.wps.com/l/cbCaijVrwFBX3Pa8","pdf",48614313,518,"English","# Hearing held on:\n## September 21, 2022\n# Appendix:\n## September 21, 2022\n# Witnesses\n## Witness statements","[{\"question\":\"What committee and hearing event does this document record?\",\"answer\":\"It records a hybrid hearing before the U.S. House Committee on Financial Services on September 21, 2022.\"},{\"question\":\"Which organizations are represented among the witnesses?\",\"answer\":\"Witnesses include senior executives from major financial institutions such as U.S. Bancorp, The PNC Financial Services Group, JPMorgan Chase \\u0026 Co, Citigroup, and Bank of America.\"},{\"question\":\"What supporting content is included beyond witness statements?\",\"answer\":\"The document includes an appendix with prepared statements and additional material submitted for the record, including written responses and referenced external articles and statements.\"}]","HOLDING MEGABANKS ACCOUNTABLE - OVERSIGHT OF AMERICA’S LARGEST CONSUMER FACING BANKS - HYBRID HEARING | PDF",1305]