Research, Markets & Regulations
Research, Markets & Regulations is responsible for monitoring consumer financial markets, conducting research, and writing rules.
Research, Markets & Regulations
Tom Pahl, Policy Associate Director
The policy associate director serves as a liaison to the Director’s Office and works with the associate director to lead the strategic direction for the division.
Division offices
Consumer Credit, Payments, & Deposits Markets
John McNamara, Assistant Director
The Office of Consumer Credit, Payments, & Deposits Markets monitors and analyzes virtually all non-mortgage consumer financial services industries, including consumer, credit card, auto, and student lending; consumer reporting and consumer data access; debt collection; deposits; and all forms of consumer payments. The office also provides subject matter expertise and market insights to policymaking, including major rulemakings, related to these markets.
Mortgage Markets
Mark McArdle, Assistant Director
The Office of Mortgage Markets monitors, analyzes, and performs outreach with many segments of the mortgage industry, including originations, servicing, secondary markets, and trade associations. The office also provides subject matter expertise and market insights to major rulemakings related to mortgage markets.
Regulations
Susan Bernard, Assistant Director
The Office of Regulations supports and provides strategic direction for the Bureau’s rulemaking, interpretive guidance and regulatory implementation functions.
Research
Jason Brown, Assistant Director
The Office of Research supports the design and implementation of consumer protection policies through research, analysis, forecasting, and measurement.
Small Business Lending Markets
Grady Hedgespeth, Assistant Director
The Office of Small Business Lending Markets monitors, analyzes, and engages with providers of credit to small businesses, including traditional lenders, specialty financing, and emerging technologies. The office also advises on major rulemakings, including requiring reporting of race, sex, and ethnicity data as it relates to women- and minority-owned, and small business lending.