Community Depository Institutions Advisory Council (CDIAC)

Photo of the 2022 Community Depository Institutions Advisory Council (CDIAC)

Left to right: Linda Cencula, Tyler Clinch, Robert James II, Ed Langton, Jude Melville, Hugh Dailey, Harry Allen, Spence Mullis, Damon Moorer, John Hirabayashi, and Kim Wilson (photo by Ted Pio Roda)

The Atlanta Fed's Community Depository Institutions Advisory Council (CDIAC) was founded in 2011 and meets twice a year.The chair of the Atlanta Fed's CDIAC, David R. Melville III of Business First Bank in Baton Rouge, Louisiana, 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.

Harry Allen
Executive Vice President, Chief Relationship Officer
Studio Bank
Nashville, TN 37203

Linda Cencula
President and Chief Executive Officer
Avadian Credit Union
Hoover, AL 35244

Tyler Clinch
President and Chief Executive Officer
First Community Bank of East Tennessee
Kingsport, TN 37662

Hugh Dailey
Market President, North Florida
MIDFLORIDA Credit Union
Ocala, FL 34471

Carlos R. Fernandez-Guzman
President and Chief Executive Officer
Pacific National Bank
Miami, FL 33131

John Hirabayashi
President and Chief Executive Officer
Community First Credit Union of Florida
Jacksonville, FL 32204

Robert James II
Director, Strategic Initiatives
Carver State Bank
Savannah, GA 31401

Edward J. "Ed" Langton
Chairman of the Board and Chief Executive Officer
Grand Bank for Savings, FSB
Hattiesburg, MS 39402

David R. "Jude" Melville III
President and Chief Executive Officer
Business First Bank
Baton Rouge, LA 70809

Damon Moorer
President and Chief Executive Officer
TCM Bank N.A.
Tampa, FL 33607

Spence Mullis
President and Chief Executive Officer
Morris Bank
Dublin, GA 31021

Kim Davis Wilson
President and Chief Executive Officer
OneSouth Bank
Blakely, GA 39823