Bio
Mark Calabria - Mark A. Calabria, Ph.D. is Director of Financial Regulation Studies at the Cato Institute. Before joining Cato in 2009, he spent six years as a member of the senior professional staff of the U.S. Senate Committee on Banking, Housing and Urban Affairs. In that position, Calabria handled issues related to housing, mortgage finance, economics, banking and insurance for Ranking Member Richard Shelby (R-AL).
Prior to his service on Capitol Hill, Calabria served as Deputy Assistant Secretary for Regulatory Affairs at the U.S. Department of Housing and Urban Development, and also held a variety of positions at Harvard University's Joint Center for Housing Studies, the National Association of Home Builders and the National Association of Realtors.
Calabria has also been a Research Associate with the U.S. Census Bureau's Center for Economic Studies. He has extensive experience evaluating the impacts of legislative and regulatory proposals on financial and real estate markets, with particular emphasis on how policy changes in Washington affect low and moderate income households. He holds a doctorate in economics from George Mason University.
Bert Ely - Bert Ely is head of Ely and Company, a financial institutions consulting firm in Alexandria, Virginia.
He was one of the first people to publicly predict FSLIC's bankruptcy.
Congressman Ron Paul - Ronald Ernest Paul is a Republican United States Congressman from Lake Jackson, Texas, a physician, a bestselling author, and a former 2008 U.S. presidential candidate.
Gilbert Schwartz - Gil Schwartz specializes in advising clients on matters of financial services law and the development of new financial products. With over 30 years experience in the financial industry, Gil possesses the distinctive knowledge required to counsel clients on complex regulatory issues and successfully represent them before federal and state bank and thrift supervisory agencies including the Federal Reserve, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Office of Thrift Supervision and the National Credit Union Administration. He also testifies on behalf of clients before Congress and state legislatures on the potential effects of financial services legislation.
Gil is at the forefront of federal and state privacy issues, including the implementation of the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act. He was active in Congress' consideration of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), and he advises clients on requirements of the CAN-SPAM Act.
In addition, he helps financial institutions comply with anti-money laundering laws and regulations including the USA Patriot Act. Gil is the author of numerous articles on banking issues and is quoted frequently in the press on financial services industry matters.
He also appears on seminar panels to discuss legal issues confronting financial institutions and serves regularly as an expert witness in litigation involving financial services law.