Mr. Eakes is CEO and founder of Self-Help, a community development lender that was instrumental in establishing the Center for Responsible Lending. Self-Help has provided over $3.8 billion in financing to 40,000 homebuyers, small businesses and nonprofits. Mr. Eakes began his career in 1980, after graduating from Yale Law School and the Woodrow Wilson School of International and Public Affairs. As a fledgling attorney practicing in Durham, N.C., Mr. Eakes started small-scale initiatives to help low-income North Carolinians buy homes and start businesses – work that ultimately evolved into Self-Help. Mr. Eakes has received a number of awards for his public service, including the MacArthur Foundation Fellowship in 1996.
Mr. Goldhaber is a principal in Goldhaber Policy Services, LLC, a firm that focuses on government relations and issues management, primarily in the areas of housing, mortgage finance, and financial services. He brings over three decades of success in policy development, issues management and passage of legislation at the federal and state level. He was previously Senior Vice President, Affordable Housing & Industry Relations for Genworth Financial’s U.S. mortgage insurance business. Mr. Goldhaber was Vice President of Public Affairs for Federal Home Loan Mortgage Corporation (Freddie Mac) and has also held various legislative and regulatory positions with the Department of Housing and Urban Development (HUD). He serves on the Board of Directors of Preservation of Affordable Housing, Inc., has been a member of the North Carolina Community Development Initiative, Inc., the National Housing Conference and the Board of Directors of the National Institute for Community Empowerment.
Mr. Henderson is the executive director of the Leadership Conference on Civil and Human Rights, the nation’s oldest and most diverse coalition of civil rights groups that includes over 180 organizations. Prior to his current role, he was the Washington Bureau Director for the NAACP. He was also previously the Associate Director of the Washington national office of the American Civil Liberties Union, where he began his career as a legislative counsel. Mr. Henderson serves as the Joseph L. Rauh, Jr. Professor of Public Interest Law at the David A. Clarke School of Law, University of the District of Columbia, Washington, D.C. He has received numerous awards, including the prestigious 2003 Congressional Black Caucus Chair’s Award.
Mr. Kidd is President and CEO of Western Commerce Bank in Carlsbad, New Mexico and was a state Senator in New Mexico for 12 years. Mr. Kidd was co-author of New Mexico’s predatory lending law and has testified in state legislatures on mortgage lending abuses. Mr. Kidd is also a member and past president of the New Mexico Bankers Association.
Ms. Ludwig serves as the Founder and Co-Director of the New Economy Project, a leading advocate on community equity and financial justice issues. Since founding New Economy Project in 1995, she has worked with hundreds of grassroots groups to develop local organizing and advocacy strategies to address redlining and lending discrimination. Ms. Ludwig co-founded New Yorkers for Responsible Lending, a state-wide coalition of more than 140 community and consumer groups and community financial institutions dedicated to combating predatory lending practices. Ms. Ludwig was a 2000 fellow in the Rockefeller Foundation's Next Generation Leadership Program, and in 2002 received the Union Square Award. In 2004, she was selected as a Ford Foundation Leadership for a Changing World awardee. Ms. Ludwig recently completed a 3-year term on the Federal Reserve Board's Consumer Advisory Council, and serves on the boards of directors of the Consumer Federation of America and North Star Fund. In December 2008, she received New York Lawyers for the Public Interest's Felix A. Fishman Award, for "her exceptional service on behalf of low income communities." This year, she is completing a Revson Fellowship at Columbia University.
Noel A. Poyo
Mr. Poyo represents and serves a diverse national network of over 100 Latino-led community and economic development organizations in 36 states and the District of Columbia. He advocates nationally on behalf of the NALCAB membership as well as for low-income Latino and immigrant communities. Noel Andrés Poyo is a national leader in the community development and asset building industry with more than 15 years of experience in residential real estate and neighborhood economic development. His career has focused on integrating low-income people and immigrants into mainstream financial services and real estate sectors of our economy as well as improving the livability and economic resilience of low-income neighborhoods and affordable housing communities. As Executive Director of NALCAB and as a private consultant, Poyo has led teams that have raised more than $275 million in private and federal investments for socially-motivated real estate and economic development projects and he has played various roles in the implementation of projects valued over $1 billion. His experience also includes increasing the effectiveness, sustainability and innovation of municipal agencies and nonprofit organizations. Poyo advises the Board of Governors of the Federal Reserve as one of fifteen members of the Fed's Community Advisory Council. He also serves on the National Community Advisory Boards for BBVA Compass Bank and Capital One Bank as well as the Board of Directors of the Center for Responsible Lending. A graduate of Yale University, Poyo is bicultural and bilingual. He is a proud husband and father of three girls.
Mr. Retsinas is the director of Harvard University’s Joint Center for Housing Studies, which conducts research to examine and address the most critical housing and community development issues in America. Prior to his Harvard appointment, Retsinas served as Assistant Secretary for Housing-Federal Housing Commissioner at the United States Department of Housing and Urban Development and as Director of the Office of Thrift Supervision. Mr. Retsinas serves on numerous boards and has won multiple awards for his service, including induction in the National Housing Hall of Fame and was named one of the most influential people in real estate by the National Association of Realtors, in home building by Builder Magazine, and in multifamily housing by Multi-Housing News.
Mr. Rheingold is Executive Director and General Counsel of the National Association of Consumer Advocates (NACA), an organization dedicated to protecting consumers from unfair and deceptive business practices. Before coming to NACA, Mr. Rheingold worked at the Legal Assistance Foundation of Chicago as a supervisory attorney in charge of the Foreclosure Prevention and Senior Housing Projects. Mr. Rheingold has testified before Congress numerous times on mortgage lending and consumer finances issues.
Shanna L. Smith
Ms. Smith is President and CEO of the National Fair Housing Alliance. She has been an expert witness in several fair housing cases and consults with private fair housing agencies in the development of testing for rental, sales, lending, and insurance complaints. Over the past sixteen years, she has testified before Congressional Banking committees about policies and practices that violate the Fair Housing Act involving lending, private mortgage insurance, and homeowners insurance. Prior to joining NFHA, Ms. Smith was Executive Director of the Toledo Fair Housing Center for fifteen years. During her tenure, the Center worked on ground-breaking investigations and litigation of mortgage lending discrimination cases as well as testing and litigation of cases involving sexual harassment in housing. Ms. Smith has written articles for the lending industry illustrating policies and practices that violate fair lending laws and regulations, and with Cathy Cloud, she has co-authored chapters in two books, one on mortgage lending discrimination issues and one on insurance redlining issues.
Ms. Talbert is Executive Vice President at Women’s Campaign Forum and the WCF Foundation. Prior to her appointment, she served as WCF’s first Executive in Residence. In her role as EVP, she leads the development of resources and initiatives to achieve the organizational mission of increasing the number of women in elected and appointed office. Ms. Talbert is an accomplished executive and former legal services attorney. She has excelled in developing partnerships, leading change, focusing resources, and building organizations that benefit individuals and society. As the former President of the AARP Foundation, she provided strategic leadership for a national team of staff and volunteers that served millions of low-income older Americans each year. Key successes include grassroots and national programs focused on low income older women and minorities, judicial advocacy, and creation of funds for relief of older victims of hurricane Katrina and the earthquake in Haiti. Ms. Talbert serves on the boards of Help Age International/USA, the Center for Responsible Lending, and the Women’s Leadership Board at the Harvard Kennedy School. She is also a mediator with the DC Superior Court multi-door program.