2020 State of Housing in Black America

Vanessa Gail Perry

Michelle Aronowitz ♦ Jung Hyun Choi ♦ Edward Golding
Morgan Green ♦ Richard K. Green ♦ Maurice Jourdain-Earl
Ashlyn Aiko Nelson ♦ Lauren Rhue ♦ Lisa Rice

Authors & Contributors

Vanessa Gail Perry, MBA, PhD is a Professor of Marketing, Strategic Management and Public Policy at the George Washington University School of Business. Her research examines the effects of business practices and public policy responses on consumers in housing and mortgage markets, and has been published widely in scholarly journals and practitioner-oriented outlets. Professor Perry has also served as Senior Advisor for Housing Finance at the U.S. Department of Housing and Urban Development, and as an expert at the U.S. Consumer Financial Protection Bureau. Before joining the faculty at GWU, Professor Perry was a Senior Economist at Freddie Mac. Professor Perry holds a BA in Philosophy from The American University, an MBA from Washington University in St. Louis, and a Ph.D. from the University of North Carolina at Chapel Hill.


Michelle Aronowitz is a civil rights attorney in private practice in New York and founder of the Law Office of Michelle Aronowitz, a civil rights law and consulting firm focusing on fair housing and fair lending, immigrant and public benefits, public and affordable housing, and employment and other civil rights-related issues. She recently served in the Obama Administration as Deputy General Counsel for Enforcement and Fair Housing at the U.S. Department of Housing and Urban Development. Prior to that, Aronowitz was Deputy Solicitor General for the State of New York, Associate Counsel to President Clinton, and trial attorney at the U.S. Department of Justice Civil Rights Division, Appellate Section and Housing and Civil Enforcement Section. She was an adjunct professor for appellate advocacy at Howard University and a judicial law clerk on the U.S. Court of Appeals for the Ninth Circuit. Michelle also worked as a summer associate at the NAACP Legal Defense Fund and the Center for Constitutional Rights. She graduated from Stanford Law School (with distinction) and Yale University, and she currently serves on the Board of Trustees for the Fair Housing Justice Center and the New Economy Project in New York City.

Jung Hyun Choi is a research associate with the Housing Finance Policy Center at the Urban Institute. She studies urban inequality, focusing on housing, urban economics, real estate finance, and disadvantaged populations in the housing market. Before joining Urban, Choi was a postdoctoral scholar at the University of Southern California Price Center for Social Innovation, where her research examined innovative housing and social policies to enhance quality of life for low-income households. Choi holds a PhD in public policy and management from the Price School of Public Policy at the University of Southern California.

Edward Golding is the executive director of the MIT Golub Center for Finance and Policy.  Ed served as the head of the Federal Housing Administration from 2015-2017 and as a senior advisor in the U.S. Department of Housing and Urban Development from 2013-2015. Golding was also an executive at the Federal Home Loan Mortgage Corporation (Freddie Mac) from 1989-2012, where he headed model development, strategy and investor relations and developed a national reputation for visionary leadership in housing finance policy.  He has taught at Columbia, Princeton, Florida, and Wharton and has been a visiting fellow at the Urban Institute. He earned an AB degree in applied mathematics from Harvard University in 1976 and a PhD in economics from Princeton University in 1982.

Morgan Green is a creative coder interested in systems of information and the many ways they interact. In her data work, she uses analysis and design to clarify and answer questions about systemic inequality. She visualizes information in a way that attends to the history and theory of design, out of a belief that this practice improves data’s impact. Her studio art practice, on the other hand, uses computing to provoke questions rather than answer them.

Green’s data work has included gathering statistical evidence of predatory lending from big banks, in order to assist with litigation. Her artwork has been shown in galleries and film festivals across the United States, and collected by public institutions including the Special Collections at Amherst College. She holds an MFA from the School of the Art Institute of Chicago. Currently, she teaches creative computation at the University of Illinois, Chicago.

Richard K. Green, Ph.D., is the Director of the USC Lusk Center for Real Estate. He holds the Lusk Chair in Real Estate, is a Professor in the USC Sol Price School of Public Policy and the Marshall School of Business and is a Trustee of the Urban Land Institute. 

His research addresses housing markets, housing policy, tax policy, transportation, mortgage finance and urban growth.  Previously, he served as Senior Advisor for Housing Finance at the US Department of Housing and Urban Development, and as a principal economist and director of financial strategy and policy analysis at Freddie Mac. Dr. Green earned his Ph.D. and M.S. in economics from the University of Wisconsin-Madison. He earned his A.B. in economics from Harvard University.

Maurice Jourdain-Earl is the co-founder and Managing Director of ComplianceTech. The company’s mission is to help transform the world into a place where credit providers and government agencies use technology to help people develop policies, practices, and procedures to monitor and ensure that all creditworthy borrowers have fair access to credit. Maurice is a noted speaker and writer on HMDA and fair lending practices.  He has a degree in Social Science from DePaul University.

Ashlyn Aiko Nelson is an Associate Professor in the O’Neill School of Public and Environmental Affairs at Indiana University - Bloomington. Her research examines the causes and consequences of inequality in the housing and education policy sectors. Prior to her current appointment, Nelson completed a postdoctoral fellowship with the Center for Education Policy Analysis at Stanford University. In addition to her academic background, Nelson formerly served as Assistant Vice President of Analysis and Information Management at Bank of America, served as the fair lending officer at IndyMac Bank, and earned her teaching credential while teaching eighth and eleventh grade English in the Los Angeles Unified School District.

Lauren Rhue is an Assistant Professor of Information Systems in the University of Maryland Robert H. Smith School of Business. Before joining the faculty at Smith, she spent five years as an Information Systems faculty member at the Wake Forest School of Business. Lauren received a Ph.D. from the New York University Stern School of Business in Information Systems and a B.S. degree in Management Science and Engineering from Stanford University. She studies social and economic implications of technology platforms as well as the management and fairness of algorithms. Lauren's research has been published in MISQ and Social Networks, and she has presented at numerous conferences and companies.

Lisa Rice is President and CEO of the National Fair Housing Alliance (NFHA). She leads efforts by NFHA and its partners to advance fair housing principles and to preserve and broaden fair housing protections, expanding equal housing opportunities for millions of Americans.  Ms. Rice played a major role in crafting sections of the Dodd-Frank Wall Street Reform and Consumer Protection Act and in establishing the Office of Fair Lending within the Consumer Financial Protection Bureau.  Prior to becoming President and CEO, she served as NFHA’s Executive Vice President and managed the organization’s resource development, public policy, communications, and enforcement divisions. Ms. Rice is a member of the Leadership Conference on Civil and Human Rights Board of Directors, Center for Responsible Lending Board of Directors, JPMorgan Chase Consumer Advisory Council, Mortgage Bankers Association’s Consumer Advisory Council, Freddie Mac Affordable Housing Advisory Council, Urban Institute’s Mortgage Servicing Collaborative, and Quicken Loans Consumer Advisory Forum.