Josh Silver has more than 17 years of experience in the housing and community development field. As Vice President of Research and Policy, Mr. Silver develops NCRC’s policy positions, produces various research studies, and supervises a staff of research and policy analysts. He has written NCRC testimony submitted to the Senate Banking Committee and the House Financial Services Committee on topics including Community Reinvestment Act (CRA) modernization, predatory lending, and the effectiveness of CRA. He has also written several comment letters to federal banking agencies on subjects ranging from the merger application process, the content and accuracy of home and small business data, and fair lending issues. Mr. Silver has testified before Congress and municipal and state legislative bodies, and has also represented NCRC on television and radio. Prior to NCRC, Mr. Silver worked at the Urban Institute for five years, where he specialized in housing market analysis and program evaluation. Mr. Silver holds a master’s degree in public affairs from the Lyndon Johnson School of Public Affairs at the University of Texas in Austin, and earned a bachelor’s degree in economics from Columbia University in New York City. He lives in Bethesda, Maryland, with his wife and daughter.