Governor Elizabeth A. Duke
Federal Reserve Board
Elizabeth A. Duke took office on August 5, 2008, to fill an unexpired term ending January 31, 2012. Prior to her appointment to the Board, Ms. Duke was Senior Executive Vice President and Chief Operating Officer of TowneBank, a Virginia-based community bank. Prior to this, she was an Executive Vice President at Wachovia Bank, and an Executive Vice President at SouthTrust Bank. Earlier in her career, Ms. Duke was President and Chief Executive Officer of Bank of Tidewater, based in Virginia Beach, Virginia. Ms. Duke served on the Board of Directors of the American Bankers Association from 1999 to 2006, and served as its Chairman from 2004 to 2005. She also served on the Board of Directors and as President of the Virginia Bankers Association. From 1998 to 2000, Ms. Duke served on the Board of Directors of the Federal Reserve Bank of Richmond. She has also served as a member of the Fannie Mae National Advisory Council. Aside from her work in the banking industry, Ms. Duke has held many civic positions, including service on the boards of directors of the Virginia Council on Economic Education, the Hampton Roads Partnership, the Old Dominion University Foundation, and the Economics Club of Hampton Roads. She also served on the Virginia Legislative Subcommittee to Study Capital Access and Business Financing and served on the Board of Commissioners of the Norfolk Airport Authority. Ms. Duke, a Virginia native, was born in July 1952. She received her bachelor’s degree from the University of North Carolina at Chapel Hill and her M.B.A. from Old Dominion University. She is also a graduate of the Stonier Graduate School of Banking and the Virginia Bankers School of Bank Management.

Allen Fishbein
Consumer Credit Policy Advisor, Board of Governors of the Federal Reserve System
Allen works for the Board of Governors of the Federal Reserve System as an Advisor on consumer credit policy with the Division of Consumer and Community Affairs. Prior to the joining the Federal Reserve he was the Director for Housing and Credit Policy with the Consumer Federation of America. Allen’s background includes an appointment with the U.S. Department of Housing and Urban Development as senior advisor for government sponsored housing enterprises, where he supervised rulemaking and other activities in support of the establishment of annual affordable housing goals for Fannie Mae and Freddie Mac. He has served as general counsel for the Center for Community Change, a national non-profit organization specializing in community development, where he directed the organization’s pioneering work on the Community Reinvestment and Home Mortgage Disclosure Acts. Allen has been a frequent congressional witness and a featured speaker on a variety of home lending and financial regulatory topics at conferences and events sponsored by non-profit consumer and housing organizations, financial trade groups, and federal and state regulatory agencies. He has authored and co-authored research studies and policy reports receiving news coverage, including: Exotic or Toxic? An Examination of the Non-Traditional Mortgage Market for Consumers and Lenders; Women are Prime Targets for Subprime Lending; and, Subprime Locations: Patterns of Geographic Disparity in Subprime Lending. His service includes membership on advisory councils and non-profit boards, most recently with: the NeighborWorks America National Foreclosure Prevention Advisory Council; the Center for Responsible Lending Research Advisory Council, co-chairmanship of the National Neighborhood Coalition, and a member of the Neighborhood Economic Development Assistance Project Policy Advisory Council. Prior affiliations include membership on the Federal Reserve Board’s Consumer Advisory Council. Allen holds a Juris Doctor degree from the Antioch School of Law. He is a member of the District of Columbia Bar, where he was once honored as their “Consumer Lawyer of the Year.” He is a recipient of the William Proxmire award for professional achievement from the National Community Reinvestment Coalition.

Jeannine Jacokes
CEO, Partners for the Common Good
Chief Executive and Policy Advisor, Community Development Bankers Association
Jeannine Jacokes is Chief Executive Officer of Partners for the Common Good (PCG). PCG is a national wholesale participation lender that partners with CDFIs across the United States to enhance their liquidity and capacity to serve borrowers. She also serves as Chief Executive and Policy Advisor to the Community Development Bankers Association (CDBA), the national trade association of the community development bank sector. Jeannine formerly served as a senior member of the management team at the U.S. Department of the Treasury's Community Development Financial Institutions (CDFI) Fund and played a leadership role in creating and managing the Fund's programs and operations. Formerly senior policy staff for the U.S. Senate Committee on Banking, Housing and Urban Affairs, she played a key role in drafting many of the laws that currently govern Federal housing and community development programs and which impact the availability of credit in underserved markets. Jeannine began her career at the U.S. Department of Housing and Urban Development. Jeannine serves on the Board of Directors of Opportunity Finance Network and the CDFI Coalition. She is a former Board member of the Social Enterprise Alliance and Women in Housing and Finance and former Board Chairperson of the Women in Housing and Finance Foundation. She holds a Masters degree in city and regional planning from the University of North Carolina at Chapel Hill and a B.A. from Aquinas College in Grand Rapids, Michigan.

Robert Kuttner
Co-Founder and Co-Editor, The American Prospect
Senior Fellow, Demos
Robert Kuttner is co-founder and co-editor of The American Prospect magazine and senior fellow of the think tank Demos. He was a longtime columnist for Business Week, and continues to write columns for the Boston Globe. Kuttner’s latest book, Obama’s Challenge, addresses the financial crisis facing the new administration. His 2007 book, The Squandering of America, explored America’s narrowing prosperity, and the systemic financial risks facing the U.S. economy. His previous books include: Everything for Sale: The Virtues and Limits of Markets (1997); The End of Laissez-Faire (1991); The Life of the Party (1987); The Economic Illusion (1984); and Revolt of the Haves (1980). His magazine writing has appeared in The New York Times Magazine and Book Review, The Atlantic, The New Republic, The New Yorker, Foreign Affairs, Dissent, Columbia Journalism Review, and Harvard Business Review. He has contributed major articles to The New England Journal of Medicine as a national policy correspondent. As chief investigator for the U.S. Senate Banking Committee in the 1970s, his work helped lead to the Foreign Corrupt Practices Act, Home Mortgage Disclosure Act, Neighborhood Reinvestment Corporation Act, and Community Reinvestment Act. He subsequently was appointed executive director of President Carter’s National Commission on Neighborhoods. Kuttner has taught at Brandeis University, Boston University, the University of Massachusetts and Harvard University's Institute of Politics. He has been a John F. Kennedy Fellow at Harvard, a Woodrow Wilson Fellow at the University of California at Berkeley, a Guggenheim Fellow, and a Radcliffe Public Policy Fellow. He is one of five co-founders of the Economic Policy Institute, and serves on its board. He was recipient of the Paul Hoffman Award for Human Development of the United Nations Development Program, for his work on the relationship of economic efficiency to social equality. Earlier in his career, he served as a national staff writer on The Washington Post. Kuttner was educated at Oberlin College, the University of California at Berkeley and the London School of Economics. He has an honorary doctorate from Swarthmore.

Eugene A. Ludwig
Founder and CEO, Promontory Financial Group, LLC
Eugene A. Ludwig is chairman and chief executive officer of Promontory Interfinancial Network, and former U.S. Comptroller of the Currency. He also is the founder and chief executive officer of Promontory Group, a suite of companies offering products and services to assist banks and other financial businesses. He is CEO of Promontory Financial Group and Chairman of Promontory Asset Finance Company. Prior to founding Promontory, Mr. Ludwig served as vice chairman and senior control officer of Bankers Trust Corporation/Deutsche Bank. As head of the U.S. Office of the Comptroller of the Currency (OCC), Mr. Ludwig oversaw the federal agency responsible for supervising federally chartered commercial banks and federal branches and agencies of foreign banks. He spearheaded efforts to modernize the banking industry. Prior to joining the OCC, Mr. Ludwig was a partner at the law firm of Covington & Burling. Mr. Ludwig earned a JD from Yale University, a Masters as a Keasbey Fellow from Oxford University, and graduated magna cum laude from Haverford College.

George McCarthy
Senior Program Officer, Urban Regeneration and Opportunity Unit, Ford Foundation
Dr. George McCarthy directs the Urban Regeneration and Opportunity Unit at the Ford Foundation. The Urban Regeneration Unit seeks to provide low-income people with better access to jobs and opportunities by supporting regional planning efforts, transportation investments, and housing development policies and practices that alleviate poverty and reduce its concentration within metropolitan areas. Previous to taking this position, Dr. McCarthy administered a program that focused on using homeownership to build assets for low-income families and their communities. That work centered on improving housing and housing finance markets to increase the chances that low-income homeowners succeeded in building wealth. Before joining Ford, Dr. McCarthy worked as a Senior Research Associate at the Center for Urban and Regional Studies at the University of North Carolina at Chapel Hill. Dr. McCarthy has worked as Assistant Professor of Economics at Bard College, Resident Scholar at the Jerome Levy Economics Institute, Visiting Scholar and Member of the High Table at King's College of Cambridge University, Visiting Scholar at the University of Naples, and Research Associate at the Centre for Social Research in St. Petersburg, Russia. Dr. McCarthy received a BA in Economics and Mathematics at the University of Montana; an MA in Economics at Duke University; and, a PhD in Economics at the University of North Carolina at Chapel Hill.

Mark Pinsky
President and CEO, Opportunity Finance Network
Mark Pinsky is president & CEO of Opportunity Finance Network. Mark is leading the organization toward its goal of creating a high-impact, high-volume financing system providing tens of billions of dollars annually benefiting millions of low-income and low-wealth people. He is a former chair of the Consumer Advisory Council of the Federal Reserve Board of Governors and has served on a range of other national and local boards, including service as founding president of congregation Tzedek v’Shalom in Newtown, Pennsylvania.

Janneke Ratcliffe
Associate Director, UNC Center for Community Capital
Janneke Ratcliffe is associate director for the UNC Center for Community Capital, which she joined in 2005, bringing 20 years experience in financial services and community development finance. She has served as executive director of a small business lending nonprofit. She spent ten years in GE Capital's mortgage subsidiary in risk management, product development and strategic planning. She worked for seven years at one of the country's leading community development financial institutions where she helped develop a new funding source for commercial lending through the New Markets Tax Credit Program. Throughout her career, she has worked on facilitating the flow of financial services to households and communities.

Eric Rosengren
President and CEO, Federal Reserve Bank of Boston
Mr. Rosengren took office on July 23, 2007, as the thirteenth chief executive officer of the Federal Reserve Bank of Boston, serving the First District. He serves the remainder of a term that began on March 1, 2006. Mr. Rosengren graduated summa cum laude from Colby College with a BA and highest honors in economics. He then spent one year in Australia as a Thomas Watson Fellow. Following his year in Australia, he attended the University of Wisconsin, Madison, where he earned an MS in economics in 1984 and a PhD in economics in 1986. Mr. Rosengren has held senior positions within the Federal Reserve in both the research and bank supervision functions. He joined the Federal Reserve Bank of Boston in 1985 as an economist in the Research Department. He was promoted to assistant vice president in 1989 and to vice president in 1991 as head of the Banking and Monetary Policy section of the Research Department. In 2000, he was named senior vice president and head of the Supervision and Regulation Department. He assumed the additional title of chief discount officer in 2003, and in 2005, he was named executive vice president. While in the bank supervision function, he obtained significant domestic and international regulatory experience related to the Basel II Capital Accord. He has been an author on over 100 articles and papers on economics and finance, including articles in many of the top economics and finance journals.

Robert G. Rowe, III
Vice President and Senior Counsel, American Bankers Association
Rob joined the American Bankers Association in October 2008 and represents the association’s members on Community Reinvestment Act and fair lending issues as well as Anti-Money Laundering compliance and privacy. Rob has nearly 30 years of experience on CRA matters, starting his career in banking by updating his first employer’s CRA policy. Before joining ABA, Rob was with another association where he represented community banks on a variety of issues, including CRA and fair lending, consumer compliance, BSA/AML, security, and privacy. In the early 1990s, he spent nearly four years with ABA designing products, seminars and services to help banks meet their regulatory compliance needs. He also has over ten years of experience as a banker, working on a wide variety of issues from personal trust to commercial lending. Rob has an A. B., summa cum laude, Phi Beta Kappa, from Bowdoin College in Brunswick, Maine. He holds a Juris Doctor, cum laude, from Boston University and a master of laws from Georgetown University. Rob is a member of the bars of Pennsylvania, Massachusetts, and the District of Columbia.

Ellen Seidman
Senior Fellow, New America Foundation
Executive Vice President, National Program and Partnership Development, ShoreBank Corporation
Ellen Seidman is a senior fellow in the Asset Building Program of the New America Foundation. In addition to her work at New America, Ms. Seidman serves as executive vice president, National Policy and Partnership Development, at ShoreBank Corporation, the nation’s first and leading community development and environmental banking corporation. She also chairs the Board of Directors of the Center for Financial Services Innovation, a ShoreBank nonprofit affiliate that helps financial services providers responsibly and sustainably serve underbanked consumers. Before joining ShoreBank, Ms. Seidman served as senior counsel to the Democratic staff of the Financial Services Committee of the U.S. House of Representatives. From 1997 to 2001, she was director of the U.S Treasury Department's Office of Thrift Supervision. She was also a director of the Federal Deposit Insurance Corporation and chairman of the board of the Neighborhood Reinvestment Corporation. From 1993 to 1997, Ms. Seidman served as Special Assistant for Economic Policy to President Clinton. She has also held senior positions at Fannie Mae, the United States Treasury Department, and the United States Department of Transportation. She holds a bachelor's degree from Radcliffe College, a law degree from Georgetown University Law Center, and an MBA in finance and investments from George Washington University. Ms. Seidman serves on the boards of the Coastal Enterprises, Inc. and the Low Income Investment Fund, and on the Board of Overseers of the School of Community Economic Development at Southern New Hampshire University.

Josh Silver
Vice President, National Community Reinvestment Coalition
Mr. Silver has had 17 years experience in the housing and community development field. As Vice President of Research and Policy, Mr. Silver develops NCRC’s policy positions, produces various research studies, engages in proposal writing and fundraising, and supervises a staff of research and policy analysts. He has written NCRC testimony submitted to the Senate and House Banking Committees on topics including financial modernization, predatory lending, and the effectiveness of the Community Reinvestment Act (CRA). He has also written several comment letters to federal banking agencies on subjects ranging from the merger application process, the content and accuracy of home and small business data, and fair lending issues. Mr. Silver has testified before Congress, municipal and state legislative bodies and has represented NCRC on television and radio. Prior to NCRC, Mr. Silver worked at the Urban Institute for five years, where he specialized in housing market analysis and program evaluation. Mr. Silver holds a master’s degree in public affairs from the Lyndon Johnson School of Public Affairs at the University of Texas in Austin and earned a bachelor’s degree in economics from Columbia University.

Michael A. Stegman
Director of Policy and Housing, John D. and Catherine T. MacArthur Foundation
Michael A. Stegman is the director of policy and Housing for the Program on Human and Community Development at the Chicago-based John D. and Catherine T. MacArthur Foundation. He serves as the Foundation’s lead observer of domestic policy issues, working to translate policy trends and position program strategies in affordable housing, community change, mental health, juvenile justice, education, and urban and regional policy within the larger context of local, state and national policy developments. Stegman is a member of the Richmond Federal Reserve Bank Community Development Advisory Council and an emeritus Fellow of the Urban Land Institute. Prior to joining the Foundation he was the Duncan MacRae ’09 and Rebecca Kyle MacRae Professor of Public Policy, Planning, and Business at UNC Chapel Hill, Chairman of the Department of Public Policy and founding director of the Center for Community Capitalism. He has been a consultant to the Fannie Mae Foundation, HUD, the Treasury Department, the Community Development Financial Institutions Fund (CDFI), and the U.S. Government Accountability Office. During his tenure as Assistant Secretary for Policy Development and Research at HUD, Stegman was named as one of Washington’s 100 most influential decision makers by the National Journal. Stegman has written extensively on housing and urban policy, community development, financial services for the poor, and asset development policies.

Lawrence J. White
Professor of Economics and Deputy Department Chair, New York University’s Stern School of Business
Lawrence J. White is Arthur E. Imperatore Professor of Economics at New York University's Stern School of Business and Deputy Chair of the Economics Department at Stern. During 1986-1989 he was on leave to serve as board member, Federal Home Loan Bank Board, and during 1982-1983 he was on leave to serve as Director of the Economic Policy Office, Antitrust Division, U.S. Department of Justice. He is currently the General Editor of The Review of Industrial Organization and secretary-treasurer of the Western Economic Association International. Professor White served on the senior staff of the President's Council of Economic Advisers during 1978-1979, and he was Chairman of the Stern School's Department of Economics, 1990-1995. Professor White received a BA from Harvard University (1964), a M.Sc. from the London School of Economics (1965), and a PhD from Harvard University (1969).

Mark A. Willis
Visiting Scholar, Ford Foundation
Mark A. Willis recently became a visiting scholar at the Ford Foundation working on community development and the financial services sector. Previously, Mr. Willis spent 19 years in community-development banking at JPMorgan Chase overseeing its community development programs and products to help strengthen low- and moderate-income communities. Before joining Chase, Mr. Willis held various positions in economic development and tax policy with the City of New York, including Deputy Commissioner for Development of the Department of Housing Preservation and Development. Before joining the city, he was an urban economist at the Federal Reserve Bank of New York. Mr. Willis teaches a course on housing and community development policy jointly at New York University’s Law and Wagner schools. Mr. Willis has a BA degree in economics from Yale University, a JD degree from Harvard Law School, and a PhD degree in urban economics and industrial organization from Yale University.

Peter Zorn
Vice President of Housing Analysis and Research, Freddie Mac
Peter Zorn is currently Vice President of Housing Analysis and Research at Freddie Mac, where he has been employed since 1994. Prior to his work at Freddie Mac Zorn was an Associate Professor in the department of Consumer Economics and Housing at Cornell University. He has a PhD in Economics from the University of California, Davis, and a BA in History from Marlboro College.