Bryce Stephens

About

Bryce has deep expertise in compliance with consumer financial protection laws and regulations. Dr. Stephens is an expert in large-scale data construction and analysis, economic and statistical analysis, and statistical sampling. He has worked on a variety of engagements involving fraud and breach of contract in adherence to mortgage underwriting standards and fair lending and fair housing compliance. Dr. Stephens' work in fair lending and fair housing includes advising on regulatory expectations, briefing on policy developments, conducting statistical analysis to identify potential fair lending and fair housing risks, supporting clients under investigation, preparing for potential litigation, and responding to regulatory in-reach.

Prior to joining FTI, Dr. Stephens served as a Section Chief in the Office of Research at the Consumer Financial Protection Bureau. There, he conducted fair lending analysis of consumer loan products in the context of supervisory examinations and enforcement actions. He advised on the technical aspects and strategic direction of fair lending-related rulemakings and policy initiatives, including the Home Mortgage Disclosure Act (HMDA), small business lending data collection (as required by Section 1071 of the Dodd-Frank Act), and the Bureau’s efforts to curb the practice of dealer markup in auto lending. He also served as a subject matter expert on technical and compliance issues related to the use of alternative data and machine learning models.

Reflection

My first course in economics at Miami was Jerry Miller’s Principles of Microeconomics. I remember being so excited about using math and models to study social phenomena. I continued my studies in economics at Miami and later in graduate school and have always appreciated the way that my training in economics has shaped my worldview. Studying economics taught me how to think and reason, which have been invaluable to me over the course of my career.