Sandra Braunstein is the Director of the Board’s Division of Consumer and Community Affairs. As Director, Ms. Braunstein is principally responsible for the development and administration of Federal Reserve policies and functions related to consumer protection for financial services. She administers programs that write and review regulations for federal consumer protection laws. In addition to regulation development, the division is responsible for consumer compliance supervision and enforcement, and has oversight of the Federal Reserve System’s consumer compliance examinations of state member banks and consolidated supervision in bank holding companies. Other supervisory responsibilities housed in the division include analysis of bank and bank holding company applications for consumer-related issues, and consumer complaint handling and response. Ms. Braunstein also administers outreach efforts to the financial services industry, state, local, and federal government officials, and consumer and community organizations. Some of these responsibilities are carried out through the System’s Community Affairs programs. Community Affairs staff, housed at the Board, and in the Reserve Bank and branch offices, conduct community development activities and promote increased access to capital and credit in underserved markets. Other divisional staff develops consumer education materials and conduct research on consumer behaviors. The division also coordinates meetings of the Board’s Consumer Advisory Council, a group that includes industry, consumer, and community group representatives who provide input for the Board’s consumer protection policy decisions. Prior to joining the Federal Reserve Board, Ms. Braunstein served as the executive director of the Northeast Community Development Corporation in Washington, DC, the coordinator for commercial revitalization in Alexandria, Virginia, and as a management consultant for McManis Associates, specializing in economic diversification and development studies for city and county governments. She also worked as a federal program administrator for the city of Wilmington, Delaware.