May 24, 1995 CONGRESSIONAL RECORD — Extensions of Remarks E 1117

Another concern with CRA is the enforcement mechanism. Under current law, performance under CRA is taken into account when a

bank regulator is considering an application

from an institution for a merger or other transaction. Consumer groups have used protests

to pending applications to force institutions to

commit credit to certain borrowers or areas. In

some cases the institutions have been forced

to make grants to the protesting groups.

Recently, the Clinton Administration has

linked the enforcement of CRA with other fair

lending statutes. This has placed the Justice

Department in the position as an additional

bank regulator. It also has further confused

the question of what is required to comply with

CRA and the fair lending laws. In addition, the

Justice Department has begun using disparate

impact analysis to attempt to prove lending

discrimination. Disparate impact analysis is imported from employment law and relies solely

on statistical data to prove discrimination. Importing this analysis into lending discrimination

is inappropriate. First, we should not find discrimination without some element of intent. In

addition, the statistics available present an incomplete picture of the lending decision.

The bill I am introducing today addresses

these problems. It amends CRA to eliminate

the current enforcement provisions and the requirements for written evaluations. It replaces

these sections with a new requirement that institutions disclose their activities undertaken to

meet the needs of the communities they serve

and to make these disclosures available to the

public.

The legislation amends the Equal Credit Opportunity Act and the Fair Housing Act to prohibit redlining. In addition, it limits the Attorney

General’s authority under the Acts to bring

cases only on referral from the primary regulator. Finally, it limits the use of statistical data

to prove discrimination to those cases where

there is evidence of intentional discrimination.

Mr. Speaker, this bill will eliminate credit allocation by the federal bank regulators. It is

tough on lenders that redline neighborhoods.

Yet, it is fair by removing costly and unnecessary burdens from financial institutions. These

burdens currently result in limiting the amount

of credit available to our citizens and businesses.

HONORING VICE ADMIRAL THOMAS

J. KILCLINE, USN RET.

fHON. JAMES P. MORAN OF VIRGINIA

IN THE HOUSE OF REPRESENTATIVES

Wednesday, May 24, 1995

Mr. MORAN. Mr. Speaker, today I rise to

pay tribute to Vice Admiral Thomas J. Kilcline,

USN (Retired) on the eve of his retirement

from his position as President of the Retired

Officers Association. Because of his many accomplishments, I consider it appropriate to formally recognize him for his more than 50

years of service to this Nation.

Admiral Kilcline was born in Detroit, MI, on

December 9, 1925. He enlisted in the United

States Navy in 1943, graduated from the U.S.

Naval Academy in 1949, and was designated

a naval aviator in November 1950 after which

he flew with VR–5 until 1953. Admiral Kilcline

attended the Naval Postgraduate School and

later Massachusetts Institute of Technology,

where he earned a masters degree in aeronautical engineering in 1956.

He then joined Heavy Attack Squadron

Nine, serving on the Saratoga and Ranger. In

1959, he was assigned to the staff of the

Commander Sixth Fleet. He completed the

Command and Staff Course at the Navel War

College and in 1962 completed test pilot

school. He was later assigned as coordinator

of test programs for all attack aircraft at the

Naval Air Test Center. In January 1965,

Kilcline reported to Heavy Attack Squadron

Eleven (VAH–11) aboard the Forestall. He

commanded an RA5C squadron deployed to

the Vietnam theater. He returned to the staff

of the Commander Naval Air Force, U.S. Atlantic Fleet in August 1967, and a year later

was assigned as operations officer and later

executive officer aboard the USS Ticonderoga

(CVA–14) during operations off Vietnam. He

then became program manager for acquisition

and support of the RA–5C aircraft, Naval Air

Systems Command. In October 1970, he was

named Director of Liaison with the House of

Representatives under the Navy Office of Legislative Affairs.

From August 1972 until May 1974, Kilcline

was commanding officer, Naval Air Station,

Patuxent River, Maryland. He was then assigned as director of aviation officer distribution, aviation captain detailer and later, Assistant Chief of Naval Personnel, Officer Distribution and Education. In August 1975, he assumed command of Naval Base Subic Bay

with duties as Commander In Chief Pacific

Representative in the Philippines and Commander U.S. Naval Forces, Philippines. He

became Chief, Legislative Affairs in February

1978 and in July 1981, was assigned as Commander Naval Air Forces, U.S. Atlantic Fleet.

He retired from the Navy in 1983.

His awards include the Distinguished Service Medal; the Legion of Merit with three gold

stars; the Bronze Star; the Air Medal; and

awards from the governments of the Philippines and the Republic of Vietnam.

Following retirement, Admiral Kilcline formed

a military and congressional consulting firm

which he disestablished when he became

TROA president in December 1986. Through

his stewardship, The Retired Officers Association played a pivotal role in convincing Congress to enact several legislative initiatives to

maintain readiness and improve the quality of

life for all members of the military community—active, reserve and retired, plus their

families and survivors. I won’t describe all of

his accomplishments, but will briefly focus on

a few to illustrate the breadth of his concern

for military people.

Under his direction, TROA supported

strengthening the underpinning of the Montgomery GI. Bill and thus provided a solid foundation for our Nation’s future leaders by placing the wherewithal for a college education on

the horizons of more than 1,000,000 young

men and women who otherwise might have

been denied that opportunity. He was ever

mindful of the adverse effects on morale and

retention caused by broken commitments and

inadequate compensation and forcefully championed the causes of fairness and equity. His

leadership efforts to preserve the long-standing commitment to lifetime care in military

health care facilities, to fight perennial threats

to retiree Cost of Living Adjustments and to

provide adequate military pay raises are some

of his other significant contributions. Most recently, he fought and won the battle for a transition plan that provides a comprehensive benefits package for those personnel and their

families who are forced out of active service

as a result of the force structure drawdown

that, hopefully, is in its final stages.

One of Tom’s added strengths has been his

lovely wife of 44 years, the former Dornell

Thompson of Pensacola, Florida. Dornell has

stood steadfastly at his side, championing the

cause of military people, particularly their families and survivors, everywhere. For these contributions, we owe her a debt of gratitude, as

well.

Tom and Dornell live in McLean, Virginia.

They have had four children: Captain Tom Jr.,

an F–14 pilot now in the Navy Chair at the

National War College; Lieutenant Patrick, lost

in an F–14 accident off the USS Constellation;

Lieutenant Kathleen, a navy doctor killed in an

auto accident; and Mary, wife of Commander

bob Novak, a P–3 pilot assigned as a program

manager in the Naval Air Systems Command

in Washington, D.C.

I wish to extend my heartfelt appreciation for

his numerous contributions to military people

everywhere and my best wishes for continued

success in all of his endeavors.