Kathleen Engel, Research Professor of Law at Suffolk University, is a national authority on mortgage finance and regulation, subprime and predatory lending, consumer credit, and housing and credit discrimination. H¬¬er publications include the book The Subprime Virus: Reckless Credit, Regulatory Failure and Next Steps. Professor Engel has advised numerous federal and state agencies on matters related to financing of loans. She sits on the boards of Consumer Reports, the International Association of Consumer Law, and NACA. She previously served on the Consumer Advisory Board of the CFPB and the Federal Reserve Board of Governors’ Consumer Advisory Council.