Michael Calhoun is President of the Center for Responsible Lending, which is the policy
affiliate of Self-Help, the nation’s largest community development lender that has provided over
$6.4 billion in financing for first time homeowner loans and small business loans. The Center for
Responsible Lending is a nonpartisan, nonprofit research and policy institute focusing on consumer
lending issues. Mr. Calhoun has been an active participant in consumer financial legislation and
regulation, and he has more than thirty years experience in consumer lending. He has authored
numerous papers on the subject and has testified often before Congress and many state legislatures.
Prior to joining CRL, he led several lending divisions at Self-Help, including the secondary
mortgage market program. He is a former member and chair of the Federal Reserve Consumer Advisory
Committee. Mr. Calhoun received his B.A. degree in economics from Duke University, and his
J.D. degree from the University of North Carolina.