Luke W. Reynolds
is Chief of Outreach & Program Development at the Federal Deposit
Insurance Corporation (FDIC) headquarters in Washington, DC. In this
role, he oversees various community development-related projects,
including the FDIC’s award-winning financial education program, Money
Smart. In addition to serving on the editorial board for the
FDIC Consumer News publication, Mr. Reynolds manages staff who work
on several other national initiatives and research projects. He also
managed the development, launch, and implementation of the Money
Smart for Young Adults curriculum and enhancement to other Money
Smart products, such as the comprehensive revision of the Money
Smart Computer-Based Instruction tool.
Prior to his current
position, he was the FDIC’s Community Affairs Specialist in Southern
California. He worked to help financial institutions and community
organizations understand ways to bring the unbanked into the financial
mainstream, shared “best practices” for tools such as individual
development account (IDA) matched savings programs and the IRS Volunteer
Income Tax Assistance (VITA) program, and provided technical assistance
on CRA and fair lending regulations. The launch of the outgrowth of one
project, a small business loan portal, made the Los Angeles Times.
Mr. Reynolds organized and taught or co-taught Money Smart Train the
Trainer sessions to over 600 potential instructors. Mr. Reynolds also
served on the Executive Committee of the entity that organized the VITA
program throughout Los Angeles County.
Earlier, Mr. Reynolds
was a Commissioned Bank Compliance Examiner in the FDIC's Detroit field
office. Mr. Reynolds was also a Large Bank CRA subject matter expert (SME).
In this role, he led or participated in the examination of large and
small institutions in rural, suburban, and urban communities in several
states, including problem banks.
is the named author of two law review articles (one on a provision of
fair lending law and the other on international trade law), the named
co-author on two FDIC Quarterly research articles (Building
Assets, Building Relationships: Bank Strategies for Encouraging
Lower-Income Households to Save and Banking on Financial
Education), co-author of the 2007 FDIC publication A Longitudinal
Evaluation of the Intermediate-term Impact of the Money Smart Financial
Education Curriculum upon Consumers’ Behavior and Confidence, and a
contributor to various other publications.
Reynolds, a native Oregonian, holds a baccalaureate degree with High
Distinction from Indiana University where he studied public financial
management and economics, a Juris Doctor (J.D.) degree from Loyola
Marymount University Law School in Los Angeles, and is a licensed
attorney in California and the District of Columbia. He served as Chief
Technical Editor of the Loyola of Los Angeles International Law
Review, and has been recognized for his pro bono work, which has
included litigation. Mr. Reynolds’ other interests include