HearingCompleted

Enhancing Competition: Shaping the Future of Bank Mergers and De Novo Formation

May 14, 20256:00 PM2128, Rayburn House Office Building

Witnesses · 5

1

Mr. John Berlau

Senior Fellow and Director of Finance Policy, Competitive Enterprise Institute

2

Mrs. ReShonda Young

Founder, Jabez Inc.

3

Ms. Mary Usategui

President and CEO, BankMiami

4

Mr. Keith Costello

President and CEO, Locality Bank

5

Ms. Amanda Allexon

Partner, Simpson Thacher & Barlett LLP