Lawrence Spaccasi spoke on Regulatory Reform Affecting Mutual Banks and Mutual Holding Companies at the Massachusetts Bankers Annual Mutual Bank Mergers and Acquisitions on February 23, 2010. Mr. Spaccasi discussed the overall regulatory reforms that have been proposed to date, the expected timing of reforms and the specific provisions of the recently approved House Bill HR 4173 – Wall Street Reform and Consumer Protection Act of 2009 that may affect mutual financial institutions.