Keith Ernst
Keith Ernst serves as Director of Research for the Center for Responsible Lending, a nonprofit, non-partisan research and policy organization dedicated to protecting homeownership and family wealth by working to eliminate abusive financial practices. CRL is an affiliate of Self-Help, a nonprofit community development financial institution that has provided over $5.6 billion of financing to 62,000 low-wealth families, small businesses and nonprofit organizations in North Carolina and across America. His responsibilities with the Center include management of research projects, original research and policy analysis, and direct technical assistance to policymakers. On topics relevant to this exchange, he has published research predicting the subprime foreclosure crisis as early as 2006 and on evaluating the effectiveness of state regulations in the subprime mortgage market. He has testified before policymakers on developments in the mortgage market, including Congress, the Federal Reserve Board, and state legislators. He holds both a law degree and graduate degree in public policy studies from Duke University.
