Advisory Committee on Economic Inclusion (ComE-IN)
Panelist Biography - Keith Ernst
Associate Director, Division of Depositor and Consumer Protection
Federal Deposit Insurance Corporation
Keith Ernst serves as Associate Director for Consumer Research and Examination Analytics, extending a career that has spanned the intersection of research, policy, and banking issues. In his present role, he leads a talented staff of researchers and analysts that provide analytic support to FDIC examination staff conducting CRA and compliance examinations; conduct original consumer research, including research on economic inclusion topics such as the FDIC National Survey of Unbanked and Underbanked Households; and provide other research on consumer matters to identify potential emerging issues of concern. He joined the FDIC in 2011 from the Center for Responsible Lending, where he most recently served as Director of Research. He has extensive experience overseeing research and developing consumer protection policies, and his research has informed the development of key consumer protection laws and regulations. His work has been published in academic journals, in book chapters, and he has presented his work at research conferences, industry events, as well as in testimony before Congress and regulatory agencies. He also has previous analytic experience in secondary mortgage market operations and has served as a consultant in fair lending investigations. He is a graduate of Hofstra University and holds both a masterís degree in public policy studies and a J.D. from Duke University.