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Fair Housing Forum: Increasing Fair Access to Credit

April 19, 2022 10:00 am - 12:30 pm EDT

The Black Homeownership Collaborative’s first Fair Housing Forum on Increasing Fair Access to Credit was held on April 19, 2022. This convening built on last year’s launch of the Collaborative to explore federal efforts to increase access to quality credit in communities of color. The Forum featured remarks from Acting Comptroller of the Currency Michael J. Hsu, presentations and a panel discussion with key industry members.

Keynote speaker: Acting Comptroller of the Currency Michael J. Hsu

Michael J. Hsu is the Acting Comptroller of the Currency. As Acting Comptroller of the Currency, Mr. Hsu is the administrator of the federal banking system and chief executive officer of the Office of the Comptroller of the Currency (OCC). The OCC ensures that the federal banking system operates in a safe and sound manner, provides fair access to financial services, treats customers fairly, and complies with applicable laws and regulations. The Comptroller also serves as a Director of the Federal Deposit Insurance Corporation and a member of the Financial Stability Oversight Council and the Federal Financial Institutions Examination Council.
Acting Comptroller Hsu will be introduced by Bryan Greene, Vice President of Policy Advocacy at the National Association of REALTORS®. Greene oversees all legislative and regulatory advocacy on behalf of the association’s 1.4 million members. Before joining NAR, Bryan served for ten years as the highest-ranking career official in HUD’s Office of Fair Housing and Equal Opportunity (FHEO), where he oversaw the policy direction and operational management of the 600-person office enforcing the nation’s housing anti-discrimination laws.

Featured presentations

Wendy Penn provides strategic leadership and management of the day-to-day execution of the Mortgage Banker Association’s Affordable Housing Initiatives. She oversees the team’s execution of MBA’s CONVERGENCE place-based initiatives, MBA’s Consumer Affairs Advisory Council, and a variety of task forces, and special projects. Prior to joining MBA, Wendy worked for the National Association of REALTORS ® for 15 years where she managed their Housing Opportunity Program. Her work focused on creating tools and resources and providing technical assistance to state and local REALTOR® associations to help them create affordable housing initiatives.

View Wendy’s slides here.

Dennis C. Shea is the Executive Director of the J. Ronald Terwilliger Center for Housing Policy. His past work with the Bipartisan Center (BPC) includes serving as a consultant to the BPC’s blue-ribbon Housing Commission and its Senior Health and Housing Task Force. In these roles, he contributed to two landmark reports, Housing America’s Future: New Directions for National Policy and Healthy Aging Begins at Home. During the Administration of President George W. Bush, Shea served as Assistant Secretary for Policy Development and Research at the U.S. Department of Housing and Urban Development.

View Dennis’ slides here.


Panel discussion

Nikitra Bailey is the Senior Vice President of Public Policy at NFHA. Ms. Bailey manages the Public Policy department and is responsible for developing and spearheading a visionary, comprehensive policy strategy to implement NFHA’s mission. Ms. Bailey provides thought leadership for the organization; liaises with policymakers and other stakeholders; supports resource development; and works collaboratively with NFHA’s departments, membership, and Board of Directors to promote housing equity.
Demetria McCain serves as the Principal Deputy Assistant Secretary for Fair Housing and Equal Opportunity (FHEO) at the U.S. Department of Housing and Urban Development (HUD). At FHEO, McCain assists HUD’s efforts to eliminate housing discrimination, promote economic opportunity, and achieve diverse, inclusive communities.
James Wylie is the Associate Director of the Federal Housing Finance Agency’s Office of Fair Lending Oversight. The office works to ensure Fannie Mae, Freddie Mac, and the Federal Home Loan Banks provide fair, equitable, and nondiscriminatory access to mortgage credit and housing. Prior to joining FHFA, James worked on fair housing and fair lending at the CFPB and HUD. He served on the rulemaking teams for HUD’s Affirmatively Furthering Fair Housing and Fair Housing Act disparate impact rules and CFPB’s Home Mortgage Disclosure Act and Equal Credit Opportunity Act small business lending data rulemakings. At CFPB, James led the group that provides informal staff guidance on the Equal Credit Opportunity Act to financial institutions. James has also been an instructor and course developer for the National Fair Housing Training Academy.
Pamela Perry is vice president of equitable housing in Freddie Mac’s Single-Family division. She focuses on increasing Freddie Mac’s thought leadership and impact to eradicate disparities in homeownership and expand wealth for Black and Latino American families. She also oversees Single-Family’s strategic innovation to support the organization’s mission to break through historical barriers to realizing a more equitable housing system. Prior to this role, Ms. Perry was a senior associate general counsel in Freddie Mac’s Legal division. For nine years, she partnered with colleagues across Freddie Mac, regulators and housing advocates in promoting fair lending and access to credit for minority borrowers.


April 19, 2022
10:00 am - 12:30 pm
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