Howard is the Executive Director of the Fair Mortgage Collaborative and has over 35 years’ experience in affordable lending and community development. He has managed and directed single and multi-family loan: origination, insurance, aggregation and securitization programs for affordable loans and directed loan counseling programs for single family homebuyers and owner throughout the US. He has been a consultant to Ford Foundation; the US Department of Energy; the Enterprise Foundation and other national nonprofit intermediaries. He began his working life as a community organizer with the North West Bronx Community and Clergy Coalition. He has a BA in Medieval Studies from Fordham University and an MS in Urban and Regional Planning from Pratt Institute.