Ira Goldstein, Ph.D., is The Reinvestment Fund's (TRF) Director of Public Policy and Program Assessment. TRF is a regional development finance institution dedicated to building wealth and opportunity for low-wealth communities and low- and moderate-income individuals through the promotion of socially and environmentally responsible development. Currently, Mr. Goldstein is conducting research, funded by The Ford Foundation, on predatory lending in Philadelphia. This research is designed to gain both a quantitative and qualitative understanding of the antecedents of predatory lending, as well as its consequences, for people and communities. Public Policy and Program Assessment has been the primary consultant to the Mayor of Philadelphia's plan to transform neighborhoods and eliminate blight. Mr. Goldstein has been an adjunct faculty member at the University of Pennsylvania for more than ten years where he teaches quantitative research methods. Mr. Goldstein comes to TRF from the United States Department of Housing and Urban Development where he was the Director of Fair Housing and Equal Opportunity for the Mid-Atlantic region. In that position, he was responsible for enforcement of the laws and regulations under HUD's jurisdiction related to discrimination in both public and private housing.