GENERAL SESSION: Election 2024 - What it Means for Housing

Vice President, Managing Regulatory Counsel, Mortgage Bankers Association

Justin Wiseman is Vice President and Managing Regulatory Counsel in the Public Policy and Industry Relations department at the Mortgage Bankers Association. Justin manages MBA’s Regulatory Policy team that covers legal issues, trends in litigation, regulatory compliance matters, and servicing as well as provides strategic direction to advance MBA member priorities on regulatory and legal matters. This team also analyzes pending rules and legislation, provides comments on behalf of MBA members on pending rules or regulations and helps develops MBA’s posture towards innovation and innovation policy. Prior to this, he staffed MBA’s Loan Administration committee, providing policy development insights and working with stakeholders to advocate on behalf of the industry.

President & Chief Executive Officer, Mortgage Bankers Association

Robert (Bob) Broeksmit is President and CEO of the Mortgage Bankers Association (MBA). Bob is a senior finance executive and corporate officer with a 35-year career in the mortgage sector. He has directed all aspects of lending activities, including marketing, sales, operations, secondary marketing, loan servicing, and default management. He has also served as a mortgage underwriting expert testifying on many large, high-profile cases. Prior to joining MBA in 2018, Bob served as President and Chief Operating Officer with Treliant, heading the firm’s mortgage litigation support practice and serving diverse financial services clientele including large banks, independent mortgage lenders, community banks, credit unions, and service providers to the mortgage industry. As a Washington-based financial services consultancy, Treliant’s mortgage practice included strategic advisory for executive management and corporate boards; litigation defense, including file reviews, litigation strategy, expert reports, and expert testimony; CFPB examination preparation and implementation of mortgage regulations promulgated by the CFPB and other regulators; and operational aspects of mortgage banking, ranging from origination to servicing and loss mitigation. Before Treliant, Bob held senior leadership positions in the mortgage business, including fourteen years with Chevy Chase Bank (including after its purchase by Capital One), where he was Executive Vice President and President of its B.F. Saul Mortgage Company subsidiary. Bob also was a Vice President at Prudential Home Mortgage for seven years. He has overseen annual originations of $9 billion, a balance sheet of $10 billion in residential mortgages, and a servicing portfolio of $20 billion. He also held positions at Great Western Mortgage, Krupp Residential Mortgage, and The Money Store. Bob has served as the Chairman of the Mortgage Bankers Association’s Residential Board of Governors and as a member of its Board of Directors. Firms under his leadership have garnered multiple awards for servicing operations excellence, including Freddie Mac’s Tier One and Hall of Fame designations. He is a Certified Mortgage Banker (CMB) and a graduate of Yale University.

President & CEO, National Housing Conference

David M. Dworkin is the 17th president and chief executive officer of the National Housing Conference, the nation’s oldest housing coalition, founded in 1931. Prior to joining NHC in 2018, Dworkin was a senior policy adviser at the U.S. Department of the Treasury, where he advised Treasury Department officials on matters related to housing and community development. He also served as a member of President Barack Obama’s Detroit interagency team, where his responsibilities included developing and implementing strategies to assist in the City of Detroit’s revitalization. Previously, Dworkin managed the Capital Magnet Fund (CMF) at the Treasury Department’s CDFI Fund, which disbursed $80 million in grants for economic revitalization and community development through investment in and assistance to community development financial institutions (CDFIs) and nonprofit housing organizations. Prior to joining the Treasury Department, he was CEO and Founder of Affiniti Strategies, a political consulting firm that assisted clients build political relationship capital. Dworkin served in several leadership positions at Fannie Mae. His service in the administration of President George H.W. Bush included the State Department’s acting Deputy Assistant Secretary for Legislative Affairs.

Senior Fellow and Codirector, American Enterprise Institute

Edward J. Pinto is a senior fellow and co-director of the AEI Housing Center at the American Enterprise Institute (AEI). A focus of his work continues to be the role of federal housing policy in the 2008 mortgage and financial crisis and how federal housing policy continues to create unwelcome distortions in the housing markets. More recently his research has focused on using light touch density to increase the supply of naturally affordable and inclusionary housing. Along with AEI Resident Scholar Stephen Oliner, Mr. Pinto created the Wealth Building Home Mortgage, a new approach to home finance designed to provide a more reliable and effective way of building wealth than is available under existing policies. Before joining AEI, Mr. Pinto was an executive vice president and chief credit officer for Fannie Mae until the late 1980s. In addition, as the director of the AEI Housing Center, he oversees the monthly publication of the AEI Housing Market Indicators, which has replaced AEI’s monthly Housing Risk Watch and AEI’s FHA Watch. Mr. Pinto has a JD from Indiana University Maurer School of Law and a BA from the University of Illinois at Urbana-Champaign.

Senior Fellow, Urban Institute

Theodore (Ted) Tozer is a non-resident fellow at the Urban Institute’s Housing Finance Policy Center (HFPC). Immediately prior to joining HFPC, he was a senior fellow at the Milken Institute’s Center for Financial Markets. Previously, Tozer served as the president of Ginnie Mae for seven years, bringing with him more than 30 years of experience in the mortgage, banking, and securities industries. As president of Ginnie Mae, Tozer actively managed Ginnie Mae's nearly $1.7 trillion guarantees of mortgage-backed securities (MBS) and more than $460 billion in annual issuance. During his time at Ginnie Mae Tozer led the modernization effort of the Ginnie Mae Securitization Platform. He oversaw the transition from a depository-dominated issuer base to an independent mortgage banker dominated base. He was the Obama Administration point person for the rewriting of the HARP program. Tozer also oversaw the transitioning away from the Ginnie Mae I program to the Ginnie Mae II program. Before joining Ginnie Mae, Tozer served as senior vice president of capital markets at the National City Mortgage Company (NCM) for more than 25 years, overseeing pipeline hedging, pricing, loan sales, loan delivery, and credit guideline exceptions. He was instrumental in transforming NCM from an "originate and hold" lender to an "originate and sell" lender. He holds a B.S. in accounting and finance from Indiana University.