Kenneth H. Thomas, Ph.D., a former New Jersey resident, is the nation’s leading expert and author on the Community Reinvestment Act of 1977 (CRA). Dr. Thomas has advised state and federal bank regulators on CRA and related public policy issues, including training federal bank CRA examiners. He has testified before Congress and federal bank regulators on the CRA and related bank regulatory and public policy issues. He has written two books on CRA, and many of the recommendations in them were directly implemented into current bank regulations formulated in 1995. He was consulted by and met with representatives of the U.S. Treasury and Congress regarding his opinion on CRA reform.  He has been on the board of a community bank for nearly 20 years, and has taught banking and finance at The Wharton School of the University of Pennsylvania for over 40 years. Mr. Thomas has also consulted with numerous banks on CRA and fair lending as well as launched The Community Development Fund (CDCDX), a national CRA investment mutual fund.