Stephen M. Cross
Deputy Director, FHLBank Regulations, Federal Housing Finance Agency
Steve Cross is the Deputy Director of the Division of FHLBank Regulations for the Federal Housing Finance Agency (Finance Agency). The Division of FHLBank Regulations is responsible for supervising the twelve Federal Home Loan Banks and the Office of Finance to ensure that the Federal Home Loan Bank System and the individual banks operate in a safe and sound manner and contribute to the strength and vitality of the Nation’s housing finance system.  The Division carries out its responsibilities through ongoing analysis and monitoring of the performance of the Banks and the System supported by annual, on-site examinations of the Banks and the Office of Finance.  Mr. Cross was named to his current position in May 2002.  Prior to joining the Finance Agency, Mr. Cross was the Director of FDIC's Division of Compliance and Consumer Affairs.  Mr. Cross has also served as the Deputy Comptroller for Community and Consumer Policy with the Office of the Comptroller of the Currency and as a member of the faculty of the Economics Department at the College of the Holy Cross, Worcester, MA. Mr. Cross holds a Ph.D. in economics from University of Virginia.