Julia Seward, community reinvestment officer for Signet Banking Corp., represented the Consumer Bankers Association when she testified at a joint congressional hearing on how to guard against discrimination in mortgage lending. Her forum was a session of the Consumer Affairs and Coinage Subcommittee and the Banking, Housing and Community Development Subcommittee of the House Banking, Finance and Urban Affairs Committee. Excerpts from her testimony follow. Additional excerpts appeared in the May 25 issue of The Mortgage Marketplace.

Many other CBA members, after self-evaluation and a great deal of communication with their communities, have also determined that counseling and education can be of tremendous value in low- to moderate-income communities. The resulting examples of educational and training programs are far too numerous to mention, but a few representative examples show the variety that are being tried.

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