The 2005 Mortgage Lending Advisory Board is as follows:

Chair
Mr. James P. Gazdecki
Vice President, Govt. Relations
Option One Mortgage Corporation

Mr. Steven Alonso
President & CEO
Oak Street Mortgage LLC

Mr. Anthony Barone
President & CEO
Centex Home Equity Company, LLC

Mr. Adam J. Bass
Senior EVP & Vice Chairman
Ameriquest Mortgage Company

Mr. Jeffrey D. Cash
V.P., Govt. Affairs
Wells Fargo Financial, Inc.

Mr. Jeff Cowan
Executive Vice President
CitiFinancial, Inc.

Mr. Ned M. Hennigan
Nat'l Dir., Branch Strategy & Dev.
HSBC-North America Consumer Lending

Mr. Phil Hitz
V.P., Government Relations
Equity One, Inc.

Mr. Brendan N. Kenneally
Associate Dir., Govt. Relations & Consumer Affrs.
Irwin Home Equity

Ms. Deborah Rosen
Managing Director-Specialty Lending Group
Countrywide Home Loans, Inc.

Mr. Gary L. Taylor
Senior Director of Operations
American General Finance, Inc.

Mr. David Walker
Group V.P. - Mortgage Operations
General Motors Acceptance Corporation

Mr. James O. Watts, III
SVP, Chief Marketing Officer
ZC Sterling Corporation

Mr. Cameron E. Williams
President
Equity One, Inc.

The AFSA Mortgage Lending Division is focusing on three objectives that were discussed by Advisory Board memebers at the October Annual Leadership Conference in San Francisco, California:

1. Work with AFSA staff in developing Association positions on pending legislation and regulatory issues.

2. Exchange views on key litigation matters and, working with AFSA State Government Relations and Law Committees, develop potential actions, if warranted.

3. Consider changes in industry practices (i.e. the AFSA Voluntary Standard on High Risk Mortgage (HOEPA) Loans)

For more information, contact Delicia Tucker, AFSA's member services manager at dtucker@afsamail.org or (202) 296-5544 x 623.