Community Depository Institutions Advisory Council (CDIAC)

Brad M. Bolton
President, Chief Executive Officer, and Senior Lender
Community Spirit Bank
Red Bay, Alabama

Alvin J. Cowans
President and Chief Executive Officer
McCoy Federal Credit Union
Orlando, FL

Cynthia N. Day
President and Chief Executive Officer
Citizens Trust Bank
Atlanta, GA

Caren C. Gabriel
President and Chief Executive Officer
Ascend Federal Credit Union
Tullahoma, TN

Robert R. Jones III
President and Chief Executive Officer
United Bank of Atmore
Atmore, AL

Miriam Lopez
President and Chief Lending Officer
Marquis Bank
Coral Gables, FL

David R. Melville III
President and Chief Executive Officer
Business First Bank
Baton Rouge, LA

Claire W. Tucker
President and Chief Executive Officer
CapStar Bank
Nashville, TN

Agustin Velasco
President and Chief Executive Officer
InterAmerican Bank, FSB
Miami, FL

Terry West
President and Chief Executive Officer
VyStar Credit Union
Jacksonville, FL

Douglas L. Williams
President and Chief Executive Officer
Atlantic Capital Bank
Atlanta, GA (National Representative)

The Atlanta Fed's Community Depository Institutions Advisory Council (CDIAC), which meets twice a year, held its first meeting on March 16, 2011. The chair of the Atlanta Fed's CDIAC, Douglas L. Williams of Atlantic Capital Bank in Atlanta, Georgia, is the Bank's representative to the national CDIAC, which also meets twice a year to advise the Federal Reserve Board.

Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, each Federal Reserve District has established a CDIAC to systematically include the views of community depository institutions in the policymaking process. CDIACs provide input to the Board on the economy, lending conditions, and other issues related to community banking.