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[gavel] good afternoon ladies and gentlemen and welcome to the february 29, 2016 meeting of the Ethics Commission, which is substituted, or continued our regular meeting which is on february 22 our regular meeting which is on february 22, 2016 get our first call of the role commissioner andrews, here. Cohen here hur, here. Keane, here. Renne, here. All commissioners are accounted for. Turning to item to Public Comment on matters appearing and not appearing on the agenda. Do i have any members of the public who wish to comment at this time . Yes, good evening commissioners and director pablum. ...

Mr. Fitzpatrick i had very Small Community banks that i visited with yesterday and they are from bucks county, pennsylvania and has to do with the subject of Overdraft Fees. There are a lot of us who have concerns that the rulemaking that your bureau is limiting smool Community Banks to provide real choices and customers could be customers and Small Business owners. And they would be owners that uld seek out riskier nonbank regulations. In regard to the Overdraft Fees and you are looking and a rule is being formulated on this issue, is that correct . Mr. Cordray yes. Mr. Fitzpatrick when is th...

Pablum. Dr. Derek kirk. January meeting for a view expressed resistance to the mayors directive to cut your budget by 3 over two years. It is troubling that your funding depends on the good graces of the same city hall folks that youre supposed to monitor. That inhibits your independence. If you like to sharply into city corruption your funds can be choked off because your budget is your leash. There is enough control just by having your appointments made by elected city officials. Compare your funding to that of the controllers City Services auditor program. It also was placed on the ballot a...

Ultimately it will be up to governor christie, who controls any deal that nj transit will make. Id like to know just exactly how much influence the governor has on the talks. Reporter chuck, an excellent question. He has the ultimate power of the purse in this situation. He can decide whether tax dollars will go into nj transit, whether there will be a fare increase. He has to sign off on anything that is done to cover whatever money is given to the unions. What we dont know is how much money will be given to the unions. So heres the big question. How are you going to get to work on monday if ...

Yes, good evening commissioners and director pablum. Dr. Derek kirk. January meeting for a view expressed resistance to the mayors directive to cut your budget by 3 over two years. It is troubling that your funding depends on the good graces of the same city hall folks that youre supposed to monitor. That inhibits your independence. If you like to sharply into city corruption your funds can be choked off because your budget is your leash. There is enough control just by having your appointments made by elected city officials. Compare your funding to that of the controllers City Services audito...