Keith Ernst has served as Associate Director for Consumer Research and Examination Support in the Division of Depositor and Consumer Protection since February 2011, extending a career that has spanned the intersection of research, policy, and banking issues. His responsibilities include oversight of original consumer research, including the agency's work to provide estimates of unbanked and underbanked U.S. households. He also manages consumer exam-related analytic functions such as the development of statistical models to evaluate fair lending concerns. He joined the FDIC from the Center for Responsible Lending, a nationally-recognized research and policy organization, where he served as Director of Research. He has extensive experience overseeing consumer research, and his own work has informed the development of consumer protection laws and regulations. His work has been published in various academic journals and presented at conferences, industry events, as well as to Congress and regulatory agencies. He also has analytic experience in secondary mortgage market operations. 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.