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Michael Calhoun


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 2002, 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.

Research & Policy

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.



October 12, 2021
Opinion and Order Under Former Director Kraninger Promote Evasions of Credit, Fair Lending, and Payday Loan Laws WASHINGTON, DC – A coalition of 96 consumer, labor, civil rights, legal services,...
October 8, 2021
“We cannot Build Back Better by eliminating funding for one of the best wealth-building, job-creating, community-stabilizing tools available to working Americans – access to affordable housing,” said...
September 13, 2021
WASHINGTON, D.C. – Today, national civil rights, housing policy, and consumer protection groups released a letter sent to Congressional leadership and committee chairs calling for inclusion of...
August 12, 2021
WASHINGTON, D.C. – Fannie Mae announced yesterday that positive rental payment history will be considered in its automated underwriting system starting on September 18. Center for Responsible...