FinRegLab is extending its investigation of the adoption of artificial intelligence in financial services through a policy analysis focused on the growing use of machine learning models for underwriting credit and a January 17 webinar with senior federal financial regulators to discuss generative AI and other recent developments.
Keith Ernst
Associate Director of Policy and Research in the Division of Depositor and Consumer Protection
Keith Ernst serves as Associate Director for Consumer Research & Analytics in the Division of Depositor and Consumer Protection at the FDIC. This role extends a career that has spanned the intersection of consumer financial services research, policy, and practice. In his present capacity, he leads a team of researchers and analysts that provides expertise to the FDIC’s compliance supervision program, produces data-driven insights to inform the organization’s perspective on economic inclusion concerns and public policy matters, and conducts original consumer research to learn more about consumer preferences and experiences with financial services and on related topics. Among other work, his team is responsible for producing the FDIC’s National Survey of Unbanked and Underbanked Households. He has published financial services research in various outlets, including academic journals, and made numerous presentations to research conferences, at industry events, as well as in testimony before Congress and regulatory agencies. He has previous analytic experience in secondary mortgage market operations and has served as a consultant in fair lending matters. He is a graduate of Hofstra University and holds both a master's degree in public policy studies and a J.D. from Duke University.