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Regional directors

Our Office of Supervision Examinations regional directors lead a staff of examiners who supervise the entities we regulate across the country to ensure they comply with federal consumer financial protection laws. The regional directors come from both the private and public sectors and bring extensive knowledge of consumer financial protection and regulatory compliance.

Each of our regional directors is responsible for leading a staff that consists of three assistant regional directors; more than 100 examiners; and a team of field managers, analysts, and administrative assistants. 

Our four regional headquarters are located in:

  • San Francisco
  • Chicago
  • New York
  • Washington, D.C.

Regional directors

West region

Edwin Chow

Edwin has been a part of the CFPB since the agency began; he joined the implementation team in September 2010. Edwin brings 26 years of experience serving as acting regional director, regional deputy director, and assistant regional director with the Department of the Treasury’s Office of Thrift Supervision and its predecessor agency, the Federal Home Loan Bank of San Francisco.

Edwin holds an MBA in Finance from San Francisco State University. He is a graduate of the Pacific Coast Banking School as well as the Department of Treasury’s Executive Leadership Program.

Midwest region

John Schroeder

Before joining the CFPB, John served the Indiana Department of Financial Institutions (IDFI) for 23 years, most recently as the general counsel and deputy director of consumer credit. While at IDFI, he also served as bank examiner, senior bank analyst, review examiner, and supervisor of administration. In addition to his regulatory experience, John worked in the retail management area within the former Bank One and also as a corporate finance associate with Raffensperger Hughes and Company, a regional investment bank formerly headquartered in Indianapolis.

John is a graduate of the Indiana University Kelley School of Business and holds a JD from the Indiana University McKinney School of Law.

Northeast region

Mitchell Kent

Mitchell joined the CFPB after serving at the New York State Department of Financial Services (DFS), where he was director and counsel of the Consumer Examination Unit. At DFS, Mitchell managed a team of consumer compliance examiners in Community Reinvestment Act examinations and consumer compliance and fair lending examinations. Mitchell also served as the states' representative to the FFIEC Task Force on Consumer Compliance. Previously, Mitchell served as director of legislative policy and special counsel for the NYC Department of Consumer Affairs and before that as director of research for Chairman Max Baucus for the U.S. Senate Committee on Finance. In this role, he drafted and guided into law Child Tax Credit and Earned Income Credit expansions during the 2001 tax cuts, resulting in billions of dollars more in refunds for low‐income families with children.

Mitchell graduated from Cornell University and holds a JD from the New York University School of Law.

Southeast region

Jim Carley

Jim came to the CFPB in October 2011 from the Federal Housing Finance Agency, where he led the examination program for the Federal Home Loan Banks (FHLBanks). Jim previously served in the Atlanta Regional Office of the Securities and Exchange Commission, where he led the supervision of broker-dealers, investment advisers, and mutual funds. He began his public service at the Commodity Futures Trading Commission, where he had several roles, including deputy director for audit and financial review. Before entering public service, Jim served in legal and finance roles in the manufacturing, airline, and aircraft finance industries. 

He earned a JD and a BS in Economics from George Mason University and an MBA from the University of Texas at Austin.