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Research Advisory Council

Carolina Reid is an Assistant Professor in the Department of City and Regional Planning at the University of California at Berkeley. Carolina specializes in housing and community development, with a specific focus on access to credit, homeownership and wealth inequality. She has most recently published research on the impact of the foreclosure crisis on low-income and minority communities, the role of the Community Reinvestment Act during the subprime crisis, and the importance of anti-predatory lending laws for consumer protection. Prior to joining the faculty at UC Berkeley, Carolina was a Senior Research at the Center for Responsible Lending. From 2005 to 2011, Carolina served as the Research Manager for the Community Development Department at the Federal Reserve Bank of San Francisco. She received her Ph.D. in Human Geography from the University of Washington, Seattle.

Signe-Mary McKernan is a Senior Fellow at the Urban Institute where she leads the Institute’s Opportunity and Ownership program. She is a national asset-building and poverty expert with nearly two decades of experience researching access to assets and credit, and the impact of welfare programs on the poor. She published the book Asset Building and Low-Income Families with Michael Sherraden, and advised the new Bureau of Consumer Financial Protection in setting up a first-rate research unit. Prior to joining the Urban Institute in 1999, she was lead economist on credit issues at the Federal Trade Commission. She has also been a visiting and adjunct professor at Georgetown University. Her research has been published in books, policy briefs, reports, and refereed journals. Her consumer finance research includes the impact of the Great Recession, private transfers and racial wealth disparities, the role of individual development accounts in sustaining homeownership, mortgage loan closing costs, and the alternative financial sector. She has a Ph.D. in Economics from Brown University.

Algernon Austin directs the Economic Policy Institute’s Program on Race, Ethnicity and the Economy (PREE). PREE works to advance policies that enable people of color to participate fully in the American economy and benefit equitably from gains in prosperity. As director of PREE, Austin oversees reports and policy analyses on the economic condition of America’s people of color. Prior to joining the Economic Policy Institute, Austin was a Senior Fellow at the Dēmos think tank and assistant director of research at the Foundation Center. From 2001 to 2005, he served on the faculty of Wesleyan University. He received his Ph.D. in sociology from Northwestern University.

Ryan Bubb is assistant professor of law at New York University School of Law. Prior to joining the NYU faculty in 2010, he was a senior researcher at the Financial Crisis Inquiry Commission, created by Congress to examine the causes of the financial crisis, and a policy analyst at the Office of Information and Regulatory Affairs at the Office of Management and Budget. He has a J.D. from Yale Law School and a Ph.D. in political economy and government from Harvard University. His research includes work on mutually owned financial institutions, the credit card market, and mortgage securitization.

Eileen Diaz McConnell is Assistant Professor in the Department of Transborder Chicano/a and Latino/a Studies (title pending) at Arizona State University. Since earning her doctorate in Sociology at the University of Notre Dame in 2001, she has served as an independent contractor for the U.S. Census Bureau, Visiting Assistant Professor in Latino Studies at Indiana University, and Assistant Professor in Sociology and Latina/Latino Studies at the University of Illinois. Professor McConnell's research interests in housing include identifying inequalities by race, ethnicity, and nativity in access to and cost of home mortgages, homeownership, and housing wealth accumulation. Her scholarship has been published in outlets including Social Forces, Population Research and Policy Review, Latin American Research Review, and Cityscape: A Journal of Policy Development.

Ira Goldstein is Director of Public Policy and Program Assessment for The Reinvestment Fund (TRF). Goldstein joined TRF in 1999 to lead its research and public policy efforts. He uses research on broad economic development issues and on the social impact of TRF's financing work to develop and introduce new public policy into the public forum for debate and implementation. Prior to joining TRF, he served as the Director of Fair Housing and Equal Opportunity for the Mid-Atlantic region at the U. S. Department of Housing and Urban Development. Goldstein is the author of numerous articles and publications. He is an adjunct faculty member at the University of Pennsylvania where he teaches quantitative research methods courses for the Urban Studies Program. He has also taught courses at Temple University.

Chris Herbert is the Director of Research at Harvard’s Joint Center on Housing Studies and has over two decades of experience conducting and managing research related to housing policy, housing markets, housing finance and urban development. In recent years, Dr. Herbert's work has focused on efforts to promote and maintain homeownership for low-income and minority families. His work in this area has included evaluations of federal and state homeownership programs, detailed literature reviews, and analysis of disparities in mortgage lending and residential foreclosure by income and race/ethnicity. Prior to his appointment at Harvard, Chris was a Senior Associate at Abt Associates. He has a Ph.D. in Public Policy from Harvard University.

Dan Immergluck is Associate Professor in the City and Regional Planning Program at the Georgia Institute of Technology (as of 6/1/05). Professor Immergluck has published widely on Community Reinvestment Act policy, fair lending, mortgage and housing markets, community and economic development, residential segregation, and small and minority business development issues. His research has been published in a wide variety of academic journals, and has been covered in the New York Times, the Wall Street Journal, the Chicago Tribune, and numerous other print and broadcast media. Dr. Immergluck has testified before the U.S. Congress, the Federal Reserve Board of Governors, federal agencies, and state and local legislative bodies. His latest book, Credit to the Community: Community Reinvestment and Fair Lending Policy in the U.S., was published in 2004 by M.E. Sharpe.

George McCarthy is Program Officer in Asset Building and Economic Development for the Ford Foundation. Prior to joining the Ford Foundation, he was a Senior Research Associate at the Center for Urban and Regional Studies (CURS) of the University of North Carolina at Chapel Hill. McCarthy is an econometrician with strong interests in housing policy and community development. He has worked extensively with community development and non-profit organizations. McCarthy has been involved in the evaluation of national home ownership campaigns. He has also evaluated home ownership counseling programs in the United States for both the U.S. Department of Housing and Urban Development and the Canadian Mortgage and Housing Corporation. McCarthy has conducted research in house price appreciation in underserved neighborhoods, the default risk of affordable mortgages, housing affordability in U.S. metropolitan areas and the construction of indicators for sustainable development.

Anthony Pennington-Cross is an Associate Professor of Finance in the College of Business Administration at Marquette University. He is widely published in academic journals including The Journal of Real Estate Finance and Economics, Journal of Urban Economics, Real Estate Economics, and others. Recent research has focused on subprime lending in the housing market (pricing, predatory lending laws, and mortgage performance), house price dynamics, and other and urban and real estate issues. Prior to joining Marquette University Anthony was a Senior Economist in the Research Division at The Federal Reserve Bank of St. Louis where he organized a conference on Federal Government liabilities and lead research subprime lending in the mortgage markets and related predatory lending issues. While living in Washington, D.C., Anthony was a Senior Economist at the Office of Federal Housing Enterprise Oversight in the Office of Policy and Research and the Director of Research at the Research Institute for Housing America (RIHA) a research organization devoted to extending home ownership to all Americans.

Roberto Quercia is a Professor of City and Regional Planning, a Faculty Fellow at the Center for Urban and Regional Studies, and the Director of the Center for Community Capitalism at the University of North Carolina at Chapel Hill. He has published numerous articles, primarily on the topics of low-income homeownership, affordable lending and the assessment of lending risks, and homeownership education and counseling. Dr. Quercia has also conducted research on neighborhood dynamics and poverty. He had done sponsored research for government agencies, such as the U.S. Department of Housing and Urban Development, the U.S. Congressional Budget Office and General Accounting Office, municipalities, community organizations, and private entities such as the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. He currently serves on the editorial boards of Housing Policy Debate and Housing Studies. Dr. Quercia has held appointments at the University of Texas, the University of California at Berkeley, the Wharton Real Estate Center (University of Pennsylvania), and the Urban Institute.

Ellen Seidman is Director of the Financial Services and Education Project in the Asset Building Program of the New America Foundation. The project aims to provide national leadership on public policy issues related to expanding access to wealth-building financial services, especially for low- and moderate-income families; improving financial education; forging a new responsibility framework for consumer financial services in 21st century; and helping Americans to better manage their debt. In addition to her work at New America, Ms. Seidman continues to serve 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 serves as Chair 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, heading the 1,200 person bureau responsible for regulating more than 1,000 savings associations around the United States. 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 sits on the Board of Directors of the Center for Neighborhood Technology and its car-sharing affiliate I-Go, and Coastal Enterprises Inc., as well as on the Board of Overseers of the School of Community Economic Development at Southern New Hampshire University.

Alan M. White joined the faculty at Valparaiso University School of Law in the fall of 2007, teaching consumer law, commercial law and civil procedure. He was previously a staff attorney and supervising attorney at the North Philadelphia office of Community Legal Services, Inc., and has also been a fellow and consultant with the National Consumer Law Center in Boston and adjunct professor with Temple University Law School and Drake University School of Law. His legal services practice included representation of low-income consumers in mortgage foreclosures, bankruptcies, student loan disputes, real estate matters, and consumer fraud class actions. He has published a number of research papers and articles on consumer law issues, and testified at federal agency hearings on bankruptcy reform and predatory mortgage lending. Mr. White currently serves as a member of the Federal Reserve Board's Consumer Advisory Council and was recently elected as a member of the American Law Institute. He lectures frequently at conferences and continuing legal education programs on a range of bankruptcy and consumer law topics. He is the author of "Risk-Based Pricing: Present and Future Research", Housing Policy Debate 15:503 (2004), and co-author with Prof. Cathy Lesser Mansfield of "Literacy and Contract" which appeared in the 2002:2 issue of Stanford Law and Policy Review. Mr. White received his B.S. from the Massachusetts Institute of Technology and his J.D. from the New York University School of Law.

Lauren Willis is a Professor of Law at Loyola Law School. Before coming to academia, Willis was a litigator in the Housing Section of the Civil Rights Division of the U.S. Department of Justice and worked with the U.S. Federal Trade Commission on predatory mortgage lending litigation. In her lecture, panelist, and media appearances in the U.S., the E.U., and South Africa, Willis has discussed regulation of the U.S. home mortgage market, predatory lending, financial literacy education, behavioral decisionmaking, and a variety of consumer law topics. She is a member of the State Bars of Maryland and Massachusetts.