Deputy Assistant Director for Consumer Lending
Consumer Financial Protection Bureau (CFPB)
Calvin is a recognized industry expert with 35 years of experience in federal supervision related to risk management practices and processes, compliance management systems, fair lending and general consumer protection issues.
Calvin’s principal responsibility at the CFPB is to lead and develop the National Program for Consumer Lending. Those product markets include short-term, small dollar (payday) and installment lending from origination through first party collections, including Buy Now Pay Later (BNPL) and bank short-term lending; credit cards, from advertising and origination through first-party collections (by banks) and charge-off; small business lending (in coordination with Fair Lending) and including serving as Supervision’s Implementation Lead on the Small Business Lending Rule (1071).
Previously, Calvin led and directed the National Program for mortgage, student, automobile and credit card origination matters for depository and non-depository financial services companies.
He previously worked at the Office of the Comptroller of the Currency, where he was a National Bank Examiner and later Assistant Deputy Comptroller in Atlanta. Later, he was the OCC’s Director for Compliance Policy in Washington where he was the agency’s spokesperson on all consumer protection, fair lending and CRA matters. He has coauthored articles on a range compliance matters, provided technical content for trade publications, given congressional testimony on fair lending supervision, and spoken extensively at industry conferences. He also holds the Certified Regulatory Compliance Manager, Certified Risk Professional, Anti-Money Laundering Professional and Consumer Protection Examiner designations.