Jamie Goodson Email and Phone Number

Legal Division, Legislation, Regulations, and Policy SectionDetail, Professional Staff of the Chair of the Financial Institutions and Consumer Protection Subcommittee, U.S. Senate Banking, Housing, and Urban Affairs Committee

Office of Minority and WomenAdvised the OMWI Director on complex, sensitive matters about diversity, equity, inclusion, and accessibility (DEIA) and office operations. Managed the development of public annual reports on equal employment opportunity and financial institution diversity. Supervised the work of chiefs in OMWI's three branches. Made DEIA presentations to FDIC divisions and offices.

Division of Depositor and Consumer Protection, Supervisory Policy BranchProvided expert advice on fair lending and consumer compliance laws and regulations. Advised on the interpretation of regulations under the Equal Credit Opportunity Act, Fair Housing Act, Home Mortgage Disclosure Act, Real Estate Settlement Procedures Act, and Truth in Lending Act. Produced timely and accurate work product critical to three FDIC Performance Goals. Led an interbranch team charged with FDIC implementation of the first major amendments to Home Mortgage Disclosure Act regulations since 2002.

Served as an expert policy advisor to the Director of the Office of Consumer Protection on federal consumer protection and fair lending laws, including newly enacted legislation. Led NCUA's fair lending surveillance, examination, and enforcement program. Managed a team responsible for meeting six goals in the agency's Annual Performance Plan. Drafted briefing papers for the Chairman of the NCUA Board and other agency officials. Represented the agency in consultations with the Consumer Financial Protection Bureau and other federal financial regulators. Served as spokesperson in external engagements with high-level officials of other government agencies, credit unions, and trade associations.

Advised banks on compliance with statutory and regulatory fair lending requirements in the areas of mortgage and credit card lending and servicing, auto lending, business lending, and the sale of ancillary ("add-on") products. Managed complex projects to monitor and analyze the impact of credit policies and procedures on demographic groups to facilitate compliance with the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. Coordinated with statisticians and modelers conducting fair lending analyses. Reviewed financial institutions' policies and procedures for compliance with fair lending laws and regulations. Researched, analyzed, and drafted legal memoranda on such issues as the application of ECOA to pre-screened solicitations for credit and parity in the availability of credit products to residents of U.S. territories.

Participated in all aspects of developing proposed and final rules for the regulation of mortgage lenders. Responsibilities included identifying and analyzing emerging consumer protection risks, presenting policy recommendations to officers and staff, and drafting highly visible regulations under the Truth in Lending Act (TILA). Advised examiners, compliance officers, lawyers, federal legislative staff, and other parties about the interpretation of consumer financial services regulations under the purview of the Federal Reserve Board. Representative projects:- Regulation Z under TILA. Proposed rulemaking to implement requirements to consider a consumer's ability to repay a mortgage loan; two proposed rulemakings for the first comprehensive revision of mortgage rules under the Truth in Lending Act since 1983; proposed and final rulemaking on unfair and deceptive mortgage lending practices; proposed and final rulemaking to implement the newly enacted Mortgage Disclosure Improvement Act; interim final rulemaking on mortgage appraisal independence.- Interagency Guidance. Proposed and final Statement on Subprime Mortgage Lending.- Regulation BB under the Community Reinvestment Act. Proposed and final interagency rulemakings to promote revitalization projects eligible for Neighborhood Stabilization Act funds.

Analyzed state and federal banking statutes, regulations, and legislation related to home mortgage lending, payday lending, and car title lending. Prepared comment letters on proposals for federal banking regulations and guidance. Contributed to amicus briefs on such issues as federal preemption of state fair lending enforcement activities and mandatory arbitration clauses. Presented on panels at financial services conferences and workshops.

Negotiated and documented real estate transactions on behalf of developers and other clients, including for the purchase and sale of real property, planned unit developments, leases of commercial office space, and zoning amendments. Illustrative projects: Represented a trade union in obtaining tax increment financing from the District of Columbia to develop a convention center; represented a university in acquiring property in underdeveloped areas; pro bono representation of community development organizations and a church selling land to fund services for the homeless and underprivileged.