Center for Responsible Lending Staff

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The Center for Responsible Lending's staff spans three offices in Durham, NC, Washington, DC, and Oakland, CA.

The CRL Executive Team

Martin Eakes, Chief Executive Officer, Self-Help/Center for Responsible Lending

Martin Eakes is co-founder and CEO of Self-Help and the Center for Responsible Lending. Martin holds a law degree from Yale, a master's from the Woodrow Wilson School of Public Affairs at Princeton, and a bachelor's degree from Davidson College. A native of North Carolina, he is a nationally recognized expert on development finance and has been honored by the John D. and Catherine T. MacArthur Foundation as a MacArthur Fellow for his work. In 2009, his commitment to responsible lending was honored by the Opportunity Finance Network, which presented him with the Ned Gramlich Lifetime Achievement Award for Responsible Lending. Other awards include the Credit Union National Association Wegner Award, National Consumer Law Center's Father Robert F. Drinan Leadership Award, and the Annie E. Casey Foundation National Families Count Award. A leader in U.S. community development finance and policy, Martin currently serves on the Ford Foundation Board of Trustees, the Bank of America National Community Advisory Council and the Guilford College Board of Trustees.

Michael D. Calhoun, President

Mike Calhoun is president of the Center for Responsible Lending (CRL), the policy affiliate of Self-Help, the nation's largest community development lender. He considers himself "fortunate to work with an extraordinarily talented staff and a dedicated coalition of organizations fighting to provide economic opportunity and advancement for low- and moderate-income families and families of color." For more than 30 years, Mike has been on the front lines of working for economic justice. At CRL, he provides management and policy leadership. Based in DC, he often testifies in Congress and appears frequently in national media as an expert on financial issues. Prior to joining CRL in 2001, Mike led several lending divisions at Self-Help, providing responsible consumer loans, mortgages and small business loans, and heading an innovative program to provide national capital for affordable home loans. He has represented families to secure civil rights and consumer protections, including working for ten years as a legal aid attorney. He is a former member and chair of the Federal Reserve Consumer Advisory Committee. Mike received his BA degree in economics from Duke University, and his JD degree from the University of North Carolina. When he is not advocating on behalf of fair lending and civil rights, Mikes loves time with family, gardening, sailing and playing basketball. Contact Mike

Deborah Goldstein, Executive Vice President

Debbie Goldstein provides day-to-day leadership at CRL, focusing on strategic planning, overseeing CRL's budget and fundraising, and board relations. Based in Durham, she also contributes to CRL's legal and policy work, with a particular focus on mortgages and homeownership, student loans and general consumer law. In 2002, Debbie assisted local organizations and lawmakers in drafting and advocating for legislative remedies to address exorbitant fees on subprime mortgages in New Jersey and played a critical role in negotiating the New Jersey Home Ownership Security Act. She also advised the sponsors of the Massachusetts Predatory Home Loan Practices Act of 2004, and worked with lead organizations in the state of Massachusetts to support enactment of the legislation. More recently, Debbie taught Consumer Law at the UNC School of Law at Chapel Hill as an adjunct professor. She is a graduate of Brown University and Harvard Law School, and enjoys spending time with her two children when she is not at work. Contact Debbie

Gary Kalman, Executive Vice President

Based in the DC office, Gary Kalman oversees CRL's federal policy and legislative work across all issues, including mortgage, homeownership, small-dollar loans and other forms of predatory lending. Prior to joining CRL, Gary directed the federal legislative office for the U.S. Public Interest Research Group. He was a founding member of Americans for Financial Reform and serves on the executive committee of the Coalition for Sensible Safeguards he has testified before Congress and he and his work have appeared in The New York Times, The Washington Post, USA Today, Fox News, MSNBC and elsewhere. Gary has also served as a political campaign and organizational consultant, and as an instructor at LaSalle University, where he lectured on nonprofit advocacy and development. A graduate of Clark University, Gary is an avid cyclist and loves playing tennis in his spare time. Contact Gary

Bill Sermons, Executive Vice President

M. William (Bill) Sermons leads CRL's strategic research agenda and the day-to-day operations of the DC Office. He has served as AJ Clark Chair in the Department of Civil Engineering at the University of Maryland, as Director of the Homelessness Research Institute at the National Alliance to End Homelessness, and as Adjunct Professor of Public Policy at Carnegie Mellon University. He earned his BSE in Civil Engineering from Duke University and Master's Degrees in Civil Engineering and Social Work, respectively, from Northwestern University and Catholic University. He holds a PhD from Northwestern University and wrote a dissertation that quantified the factors that influence household residential location choices, including tenure (rent versus own) decisions. His CRL publications include the "Household Balance Sheet" chapter of the State of Lending and the chapter "Opportunity Lost: How Low-Income and Minority Households Were Denied Access to Historically Low Home Prices and Interest Rates" in the edited volume, From Foreclosure to Fair Lending. When he is not at work, Bill enjoys boot camp-style workouts, reading, watching college basketball, and playing ultimate Frisbee. Contact Bill

The CRL Team

Rachel Anderson, Director of Faith Affairs

Rachel Anderson is a member of the CRL Outreach Team and leads its Faith & Credit advocacy program, as well as CRL's work on bank overdraft fees. The Faith & Credit Program engages faith communities affected by predatory lending and highlights the wisdom that religious traditions bring to modern lending practices and policy. Rachel has assisted advocates in Mississippi, Massachusetts, Louisiana, Alabama, and other states in advocating for protections against predatory payday lending and debt settlement schemes. Prior to joining CRL, Rachel co-founded and led the Boston Faith & Justice Network, taught community organizing, and provided legal assistance to underserved communities. Rachel is a graduate of Davidson College and Harvard Law and Divinity Schools. She lives with her husband and two children in Maryland. Contact Rachel

Nikitra Bailey, Executive Vice President of External Affairs

Nikitra Bailey oversees CRL's coalition building and constituent relations. Based in the Durham office, Nikitra is the lead strategist for partnerships that span civil rights, faith, women, labor, and community advocates across CRL's branches in California, North Carolina, and Washington, DC. Nikitra also leads CRL's access to mortgage credit advocacy to ensure that low-wealth families and people of color are fairly served by our nation's housing finance system. She has also provided technical assistance to local municipalities, state legislators, and federal policy makers on abusive lending practices ranging from small dollar loan abuses to preventing foreclosures. Nikitra has played a key role in many of CRL's legislative and regulatory victories, including the enactment of the historic Wall Street Reform and Consumer Protection Act, which resulted in the creation of a federal agency with a sole mission of consumer protection. Nikitra also serves on the board of directors of the NC Community Development Initiative, has served as a housing policy communications fellow with The Opportunity Agenda, and is a life member of the NAACP. Nikitra holds a BA degree from the Pennsylvania State University and a JD degree from the University of Pittsburgh School of Law. Nikitra is an avid reader with a particular interest in biographies; she and her husband are the proud parents of two children. Contact Nikitra

Whitney Barkley, Policy Counsel

Whitney Barkley is legislative policy counsel, based in Durham, NC, where she works with state legislatures, attorneys general, and governors to fight predatory lending, exploitative student loan practices, and unscrupulous debt collectors. Prior to CRL, Whitney worked on a range of election law issues as director of the Michigan Election Law Project and field director for Election Protection 2008, coordinating law students and attorneys to monitor polls for election irregularities during the 2008 presidential campaign. Whitney clerked for the Lawyers Committee for Civil Rights Under Law, serving in the Voter Protection Division, working to enforce the 1964 Voting Rights Act. She accepted a fellowship from Equal Justice Works/AmeriCorps to do foreclosure assistance work with the Mississippi Center for Justice, developing legal and policy expertise in foreclosure, consumer lending, and for-profit colleges. In 2013 and 2014, Whitney was appointed to the US Department of Education's Federal Rulemaking Committee on Gainful Employment and Programmatic Integrity, helping to set federal financial policy for students. Whitney attended The College of Charleston, in Charleston (SC), and graduated from the University of Michigan Law School, being named 2009 Woman Law Student of the Year by the National Women Lawyers Association. When she's not at work, Whitney enjoys theater. Contact Whitney

Sherilyn Bernaldo, Office Administrator

Sherilyn Bernaldo provides administrative and logistical support to the California Office in Oakland, assisting both staff of Center for Responsible Lending and its affiliate, Self-Help Federal Credit Union. She earned her BA degree in International Relations from the University of California, Davis. In her spare time, Sherilyn enjoys volunteering at the local animal shelter, traveling, and watching her favorite sports teams. Contact Sherilyn

Rebecca Borné, Senior Policy Counsel

Rebecca Borné is senior policy counsel, focusing on legal research and analysis related to federal consumer law and policy, with an emphasis on payday lending and checking account overdraft practices. Rebecca has testified before Senate and House committees and co-authored groundbreaking research papers on payday lending. She worked from 2008-2011 in CRL's DC office before relocating to New Haven, CT, where she is now based. Rebecca received degrees from Louisiana State University and the Yale Law School. When Rebecca is not working, she enjoys chasing her children around, preferably outdoors. Contact Rebecca

Brandon Coleman, Policy Counsel

Brandon Coleman is policy counsel on CRL's State Policy Team. His work focuses on assisting advocates across the country in developing strategies to advance positive state legislation and to defeat attempts to weaken consumer protections. He works primarily in the areas of small-dollar lending, debt collection and debt buying. Brandon plays an integral role in the team's legislative research, bill analysis and drafting. Prior to joining CRL, Brandon gained a wide variety of experience in consumer finance as a bankruptcy and financial counselor, a law clerk focusing primarily on Affordable Housing Law, and most recently as the legislative correspondent for Congressman G.K. Butterfield (NC-01), where he was the lead staffer for the Congressman's Financial Services portfolio. Brandon is a graduate of the University of Michigan – Ann Arbor and the Duke University School of Law. When he is not working, Brandon enjoys spending time with his two dogs, volunteering in the community, and cheering on his hometown Detroit Lions. Contact Brandon

Keith Corbett, Executive Vice President

Keith Corbett's work focuses on eliminating abusive lending practices at the state and national levels. Prior to joining Self-Help, he worked for 21 years in banking and insurance, serving as vice president and treasurer of North Carolina Mutual Insurance Company. In 1998, Dollars & Sense Magazine voted him "Best and Brightest in Finance." Keith is a board member of the Financial Protection Law Center and treasurer for the National Baptist Convention, USA Housing and Economic Commission. He is the treasurer for the North Carolina State NAACP, and a member of the National Association of Realtors and the North Carolina Association of Realtors. Keith holds a BS and MBA in Finance from North Carolina Central University, and enjoys fitness, golfing and swimming in his spare time. Contact Keith

Charlene Crowell, Targeted Communications Manager

Charlene Crowell is a member of CRL's Communications Team and responsible for managing outreach to African-American and Latino media and key radio and TV targets. Based in Durham, Charlene works closely with CRL's outreach team and supports initiatives revolving around Access to Credit. Charlene routinely pens a commentary on varying consumer lending issues distributed through the National Newspaper Publishers Association (NNPA), the federation of over 200 black-owned newspapers throughout the U.S. and Virgin Islands. Prior to joining CRL, Charlene was a registered public lobbyist in Arizona and in Michigan, advocating affordable housing and Smart Growth initiatives, and additionally served as press secretary to both a state attorney general and mayor. She attended Valparaiso University, and enjoys performing arts and basketball. Contact Charlene

Delvin Davis, Senior Research Analyst

Since 2002, Delvin Davis has served in several capacities researching predatory lending products and practices. Currently, Delvin is the lead researcher on auto/car title lending. Based in Durham, Delvin in 2014 authored "Non Negotiable", a study of the impacts of negotiation and comparison shopping for people of color. In 2013, he also co-authored "Driven to Disaster" finding that car title lenders cost consumers $3.6 billion in interest annually. Delvin earned his graduate degree from the University of North Carolina at Chapel Hill. When not at work, he enjoys sports, writing poetry, and painting. Contact Delvin

Lois Deloatch, Major Gifts Officer

Lois Deloatch is a member of the philanthropy team and works from the Durham office to build relationships and secure funding for CRL's priorities. She helps identify funding opportunities and assists leadership in developing and implementing strategies to solicit and steward donors. Prior to joining CRL, Lois served as vice chancellor for advancement at North Carolina Central University and worked at Duke University for 20 years in several fundraising capacities including associate director of corporate and foundation relations and major gifts officer. She received her undergraduate degree from UNC-Chapel Hill and MA degree from Duke University. Lois is also a professional vocalist/songwriter and community volunteer. Contact Lois

Ezekiel Gorrocino, Government Relations and Policy Associate

Ezekiel Gorrocino is the government relations and policy associate with the Center for Responsible Lending, joining recently after working with the center's sister organization Self-Help Federal Credit Union in Oakland, CA. At Self-Help Ezekiel worked in the credit union's DACA/DAPA Lending Project, helping immigrants get loans for their immigration applications. In his role at CRL Ezekiel oversees the western states helping coordinate the nonprofit's efforts in fighting predatory loans such as payday, car title, and installment loans. Prior to joining CRL, Ezekiel was a CORO Fellow in Public Affairs with CORO of Northern California. As a Fellow, Ezekiel gained experience in different fields such as politics, government, business and nonprofits. He graduated from UC Berkeley with a BA in Political Economy and Public Policy. Ezekiel enjoys browsing bookstores, reading in coffee shops, trying new restaurants in the Bay Area, and volunteering in his community. Contact Ezekiel

Ellen Harnick, Senior Policy Counsel

Ellen Harnick is senior policy counsel for CRL's policy work in the North Carolina General Assembly. She has worked to curtail abuses by payday lenders, car title lenders and consumer finance companies, and to advance consumer protection legislation. She also helps coordinate CRL's activities on issues with nationwide impact. Based in Durham, Ellen has testified on mortgage and consumer protection related matters at congressional and regulatory hearings, including on interventions needed to mitigate the impacts of the foreclosure crisis, and on maintaining access to responsible credit for low-income families. Prior to joining CRL, Ellen was a partner in the New York law firm of Friedman Kaplan Seiler & Adelman LLP, where she represented corporate clients. During 2001-2002, she served with the United Nations Mission in Kosovo on the legal team advising the Special Representative of the Secretary General, focusing on the development of market economic laws and the transition to self-government. Ellen graduated from Brandeis University and the Georgetown University Law Center and loves spending time at the beach when she's not at work. Contact Ellen

Ashley Harrington, Special Assistant To The President

Ashley Harrington serves as a liaison between the CRL president, executive leadership, and team leaders and policy staff that manage day-to-day advocacy and operations at CRL. Based in the DC office, Ashley works with senior managers to mobilize organizational resources around new CRL initiatives. Prior to joining CRL, Ashley served as Special Assistant to the Chief Diversity Officer and then to the Deputy Secretary for Civil Rights in the Office of Governor Andrew M. Cuomo, working on projects and initiatives ranging from ensuring the language accessibility of state agencies to creating strategies to improve and increase state workforce diversity. Ashley received her JD from New York University School of Law and her BA in Public Policy Analysis from UNC-Chapel Hill. In her spare time, Ashley enjoys trying new restaurants or staying in and experimenting with new recipes. Contact Ashley

Zakiya James, Resource Development/Administrative Associate

Zakiya James is a resource development and administrative associate, providing support to CRL on Customer Relations Management (CRM), event planning and office management. She is a proud Howard University Bison. Based in the Durham office, Zakiya loves to follow the political issues surrounding women's reproductive/maternal health, the student loan crisis, and the nation's education system. In her spare time, she enjoys her family, reading, and working on her children's book, which she hopes to publish soon. Contact Zakiya

Christopher Kukla, Senior Vice President

Chris Kukla leads CRL's work on auto lending issues, as well as CRL's policy work in North Carolina since 2002. Based in the Durham office, Chris also counsels policymakers and advocates in Washington, DC, North Carolina and in other states on consumer lending legislation and regulation. Chris holds a BA degree in Political Science and French from Alma College, and received his JD degree from the University of Notre Dame Law School. Prior to joining CRL, Chris served as a Congressional aide for five years, focused primarily on appropriations and financial issues. When not at work or parenting two young children, Chris is an avid baseball fan. Contact Chris

Paul A. Leonard, Senior Vice President for Federal Policy

Paul A. Leonard is the senior vice president for Federal Policy focusing on mortgage and small dollar lending policy issues. Based in CRL's Oakland (CA) office, Paul has a long professional resume of work on policy issues affecting people of low- and moderate-income and communities of color. Before CRL, Paul was based in Berkeley, CA, as an independent policy consultant working on housing, community development and social welfare issues. He also served as an assistant agency director for workforce and human services at the Alameda County (CA) Social Services Agency and as the acting assistant secretary for policy development and research and deputy assistant secretary for policy development at the U.S. Department of Housing and Urban Development. Paul has a BA degree from Duke University and a Master's degree in Public Policy from the Kennedy School of Government at Harvard University. In his spare time, Paul enjoys kayaking, biking and following college and professional basketball. Contact Paul

Susan Lupton, Senior Policy Associate

Susan Lupton has been with Self-Help since 1997, and with CRL since 2002. Based in Durham, her work has helped position North Carolina as a model for predatory lending reform, including strong mortgage protections, protections for homeowners at risk of foreclosure, and curbing payday and bank payday abuses. Prior to joining Self-Help and CRL, Susan worked in private health consulting, state government, and worker health and safety reform. She has a Master's degree in City and Regional Planning from the University of North Carolina in Chapel Hill. When she's not working at CRL, Susan loves to bike, head to the coast, and visit with friends and family and her grand-niece. Contact Susan

Tamika McGhee, Office Manager

Tamika McGhee manages all the DC office functions and logistics of event planning. Prior to CRL, Tamika worked for the Grocery Manufacturers Association, managing customer complaints, and taking on leadership roles such has conference hosting and coordinating with GMA member companies. She is a graduate of Illinois State University, where she pursued legal studies prior to changing to case management. When Tamika is not at CRL, she enjoys reading, volunteering at nursing homes and photography. Contact Tamika

Aimee Meddock, Director of Operations

Aimee Meddock, based in the Durham office, brings more than 10 years of experience in non-profit operations management with an emphasis on serving socioeconomically disadvantaged communities. Prior to that, Aimee worked as a paralegal and office administrator. Aimee has expertise in grants management, office administration, operating systems implementation and employee engagement. She studied at North Carolina State University and Meredith College. Aimee manages daily operations and administrative services across all CRL office locations. She enjoys running, creating art and is super knowledgeable about basketball. Contact Aimee

Yana Miles, Policy Counsel

Yana Miles is a policy counsel supporting CRL's advocacy on housing issues. Located in the DC office, Yana covers mortgages and homeownership and Government-Sponsored Enterprise (GSE) reform. Prior to joining CRL, Yana served as a Fellow with the Fair Housing Project of the Washington Lawyers' Committee, where she worked on litigation involving discrimination in housing related transactions. Yana also served on the outreach and policy staff of the House Democratic Caucus on Capitol Hill. Yana holds a JD degree from the Georgetown University Law Center, and enjoys Zumba and social networking in her spare time. Contact Yana

Aracely Panameño, Director of Latino Affairs

Aracely Panameño works on financial services issues impacting the financial security and well-being of Latinos and other communities of color. Since 2004, Aracely has helped formulate policy recommendations, foster stakeholder coalitions, and educate decision makers. Her expertise in financial services is in mortgages, auto, payday lending, and student loans. Located in the DC office, Aracely also authors Enfoque, a quarterly Spanish-language newsletter focusing on issues impacting Latinos in financial markets. She serves as an advisor and is a member of the Insight Center for Community Economic Development's Experts of Color Network/Closing the Racial Wealth Gap Initiative. Prior to joining CRL, Aracely worked with Latina women's health, migrant workers, education, and immigration issues. She holds a bachelor's degree in business management from The Catholic University of America, in Washington, DC, and is a MBA in Finance degree candidate at Johns Hopkins University, in Baltimore, MD. Aracely is an avid kayaker when she is not working on fair lending issues. Contact Aracely

Leslie Parrish, Deputy Director of Research

Leslie Parrish is the deputy director of research for the Center for Responsible Lending, where she is the lead researcher on student lending and debt collection and settlement. She conducts a broad range of research on the impact of small dollar credit, debt collection, and student loan borrowing on sub-prime and low-income households. Previously, Leslie led a cross-division team at Consumer Financial Protection Bureau working on all aspects of research and policy related to small-dollar credit, such as payday loans. She has also conducted research and policy analysis on asset building for low-income families in previous positions at the New America Foundation and Corporation for Enterprise Development. Leslie holds a Bachelor's degree from Virginia Tech and a Master's degree from the University of North Carolina-Chapel Hill. Now based in Denver, Leslie likes to take advantage of all that Colorado has to offer, including skiing, snowshoeing, hiking, and biking. Contact Leslie

Sharon Reuss, Development Associate

Sharon Reuss is a development associate with CRL's philanthropy team, providing stewardship of current institutional funders and identifying and researching new opportunities for support. From the Durham office, she provides ongoing assistance to philanthropy colleagues and helps to coordinate CRL staff relationships with foundations. Sharon originally joined CRL as one of its first CRL communications staff in 2003, and she managed public relations at national and NC nonprofits in the years prior. Sharon has a BA degree from the University of North Carolina at Chapel Hill. Among her many hobbies, Sharon loves to garden. Contact Sharon

Peter Smith, Senior Researcher

Peter Smith is a senior researcher leading on overdraft practices, as well as works on mortgages, student loans and bank payday loan issues. Pete has been with CRL since 2005, authoring numerous reports and briefs, and creating body of often-cited research literature. He was born and raised in Maryland, and attended the University of Maryland's Honors Program, where he graduated with a BS in Mathematics. Based CRL's Oakland (CA) office, Pete is entering the Masters of City Planning program at the University of California at Berkeley. In his spare time, he is an avid record collector and Scrabble player. Contact Peter

Diane Standaert, Director of State Policy

Diane directs CRL's state-level policy agenda to advance responsible lending policy and practices across all of CRL's issues. She also oversees CRLs work on issues of small dollar lending. Based in Durham, Diane works directly with stakeholders and policy makers at the state and federal levels in their efforts to understand the impact of and to prevent abusive financial practices. She brings policy expertise on issues such as payday, car title, installment lending, mortgages, foreclosure prevention, abusive debt collection, and other issues. Diane also brings experience building bipartisan coalitions of diverse stakeholders to advocate successfully for reforms of abusive lending practices. She has authored and contributed to several articles and research projects related to the impact of predatory lending practices and the role of states in addressing them. Diane's previous experience includes the Florida Housing Finance Corporation and the University of North Carolina Center for Civil Rights. She is a graduate of Florida State University and holds a JD degree from the University of North Carolina School of Law. In her spare time, Diane is very active in a wide range of community organizations. Contact Diane

Lisa Stifler, Policy Counsel

Lisa Stifler serves as policy counsel on CRL's state policy team, and leads its debt collection work. She advises local organizations and lawmakers that are working to eliminate abusive lending and debt collection practices in their states. Lisa also advocates on the national level on abusive debt collection and debt settlement practices, as well as predatory auto and student lending. Prior to joining CRL, Lisa worked in the areas of civil rights, community economic development, and bankruptcy. She also worked and volunteered for more than six years as an advocate for survivors of domestic violence. Lisa received her BA degree in English and African American Studies with high honors from Middlebury College in Middlebury, VT. Lisa also received dual degrees in law and social work from the University of North Carolina, where she graduated with honors and was also recognized for her extensive pro bono work as a student. Lisa served as a law clerk for the Honorable Stephen A. Mitchell of the Eastern District of Virginia Bankruptcy Court in Alexandria, VA. When not working, Lisa enjoys running and baking (but not cooking), as well as spending time with her family. Contact Lisa

Allyn B. Summa, Director of Philanthropy

Allyn Summa oversees and manages all fundraising activities for CRL, including foundation/institutional support, major donor giving, and individual giving, as well as the team strategy for donor prospecting, cultivation, and stewardship. Allyn works directly with CRL's leadership team to ensure fundraising strategy aligns with programmatic goals and works to actively engage CRL's board in fundraising activities. Since 2004, Allyn has served in fundraising leadership roles at ServiceSource, African Wildlife Foundation, and the Tahirih Justice Center. Prior to her direct work with nonprofits, she was vice president of interactive at Fixation, a direct-mail marketing firm where she planned, managed, and oversaw all interactive marketing projects for a wide variety of clients and directly managed the business operations of the interactive arm of the company. Allyn has degrees from the University of New Mexico and George Mason University and a Nonprofit Management Certificate from Georgetown University. Allyn has never met a canine she doesn't like and, when she isn't reading a book, is regularly outside with her three Havana Silk Dogs. Contact Allyn

Eric White, Digital Communications Manager

A member the Communications Team, Eric White leads CRL's overall digital strategy, including the CRL website and all social media. Eric came to the DC area from Philadelphia (PA) to study art history at the University of Maryland. He has worked in digital communications for 15 years with a focus on design and usability. Eric received a BA in Art History from the University of Maryland, College Park. Outside of the office, he enjoys traveling and exploring DC and its museums. Contact Eric

Millree Williams, Director of Communications

Millree Williams provides overall strategic leadership on CRL's communications issues across policy, outreach, brand, digital and social media. His background spans strategic communications and integrated marketing in higher education, healthcare and public health. He recently led his own small communications consulting firm serving a portfolio of nonprofit, public health and higher education clients. Prior to that, Millree led the marketing and communications strategy for a range of universities, hospitals, and public health causes, including the overall communications and public affairs strategy for the University of Maryland, College Park. Millree has a BA degree in English from Bowie State University. When he is not at work, he enjoys practicing martial arts, reading autobiographies and hanging out with his family. Contact Millree

Sarah Wolff, Senior Researcher

Sarah Wolff is a senior researcher, and co-leads research on mortgages. She produces original research and analysis on CRL issues – including the financial impact of predatory lending products on families, individuals, and communities. Based in Durham, Sarah recently wrote the final chapter of CRL's State of Lending series – examining the cumulative impact of predatory products and practices on American households. Prior to CRL, Sarah served at its parent organization Self-Help, a Durham-based community development organization and CRL's parent organization. Sarah received degrees from the University of North Carolina at Chapel Hill and Duke University. She enjoys crafting and jogging, and can occasionally be seen on ESPN playing in the Duke University alumni pep band. Contact Sarah