An expert in the dynamics of mortgage and credit markets, Ren Essene is a Senior Policy Analyst on the Mortgage Markets team at the Consumer Financial Protection Bureau. Ren leads the Bureau�s efforts to reform the Home Mortgage Disclosure Act (HMDA). Previously she served as a Supervisory Policy Analyst for the Board of Governors of the Federal Reserve System and co-authored a book chapter with Allen Fishbein entitled, �The Home Mortgage Disclosure Act at Thirty-Five: Past History, Current Issues� for Moving Forward: The Future of Consumer Credit and Mortgage Finance (Brookings Press). Prior, Ren conducted research and engaged in policy efforts at the Federal Reserve Board, Federal Reserve Bank of Boston and the Joint Center for Housing Studies at Harvard. She is a co-editor and lead author in the recently published book, Revisting CRA: Perspectives on the Future of the Community Reinvestment Act. Other publications include Understanding Mortgage Market Behavior: Creating Good Mortgage Options for All Americans, and Consumer and Mortgage Credit at the Crossroads. Prior to her national policy work, Ren spent twelve years as the founding Executive Director of homeWORD, an award winning, community-based development organization in Montana. Ren earned her Masters in Public Administration from the Harvard Kennedy School and her B.S. in Architecture from the University of Illinois.
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