Lacefield & Associates

January 1991 to Present

• Developed the curriculum for alternative dispute resolution including Basic Mediation which provides forty classroom hours of training in dispute resolution techniques as required by Texas Law to be certified to conduct court appointed mediations.
• Developed the curriculum for Advanced Mediation, which includes family dynamics training as well as child development and family law alternative dispute methods.
• Developed the curriculum for Internship in Mediation, which provides students with hands on experience in observing and participating in ten live mediations as a co-mediator with an instructor mediator.
• Facilitated 44 semesters of the Basic 40-hour Mediation course; 12 semesters of the Advanced Family Mediation course; and 8 semesters of the Internship in Mediation course.

Fort Worth Human Relations Commission

Contract Manager, Housing Discrimination Division

Special Projects

November 2002 to Present

• Trained the Human Relations staff regarding fair housing/fair lending, testing, ADA investigations, predatory lending and other enforcement related issues.
• Supervised over 225 housing discrimination investigations resulting in the issuance of eight charges of discrimination. (150 cases in 2003, alone.)
• Participated in 41 successful negotiated settlements, as well as, seven Type 1-Enforcement agreements.
• Conducted fair lending and fair housing training seminars for community-based groups including Community Development Corporations (CDCs), Community Housing Development Organizations (CHDOs), and Habitat for Humanity staff and families.
• Provided fair housing, fair lending, and predatory lending continuing education training for regional HUD Fair Housing and Equal Opportunity enforcement staff.
• Prepared and edited fair housing and fair lending educational outreach literature and materials for community education and training.
• Participated in local cable television fair housing and fair lending community education outreach video series.
• Trained City of Fort Worth Housing Department employees regarding fair lending and predatory housing related issues resulting in the referral of 52 dual-filed complaints to HUD and the Human Relations Commission for investigation.

CTX Mortgage/Centex Corporation

Senior Vice-President, Fair Lending & Business Development

April 1999 to May 2002.

Duties & Accomplishments: Reports to the Chairman and President.

• Responsible for all national Fair Lending and Fair Housing corporate marketing efforts for the 256 retail branch offices in 42 states.
• Analyzed and initiated programs to address issues regarding corporate policies, practices and procedures.
• Provided fair lending training to over 600 retail staff.
• Primarily responsible for supporting the various legal departments within Centex Corporation by providing written responses to federal, state, and local government’s requests regarding allegations of violations of the Fair Housing Act, as amended, RESPA, and the Americans with Disabilities Act.
• Provided responses to inquiries and allegations by Fair Housing Initiative Program and Fair Housing Assistance Program participants.
• Analyzed Home Mortgage Disclosure Act (HMDA) data to effectively direct fair lending business development through strategic marketing initiatives.
• Developed strategies to increase representative diverse market share through quality loan production by effectively utilizing media, direct mail, national telemarketing, and on-line campaigns.
• Investigated allegations of discrimination and developed responses to non-complaint based opportunities presented by advocacy groups such as the National Fair Housing Alliance (NFHA) and the Association of Community Organizations for Reform Now (ACORN).
• Direct supervision of the CTX Home Owners Club (HOC), a division that helped credit challenged borrowers become bankable for prime mortgage products through homeowner education, budgeting and homeowner counseling.
• Over the preceding three years reduced the HOC operating expenses by 29 percent while increasing the number of families graduating from the program and qualifying for a prime loan by 270 percent.
• Increased HOC production volume from just under $30 million in the first year to over $81 million in the subsequent year.
• Monitored and evaluated local government bond and national down payment assistance programs.

U.S. Department of Housing and Urban Development, (HUD)

Senior Civil Rights Analyst and Supervisor of Investigations,

Fair Housing & Equal Opportunity

August 1991 to March 1999

Duties & Accomplishments: Responsible for national lending cases including investigations, negotiations and conciliations.

• Trained investigators representing the Office of Thrift Supervision (OTS), Office of Comptroller of Currency (OCC), and the department of Housing and Urban Affairs (HUD) for fair lending, insurance redlining and predatory lending related issues.
• Reviewed and analyzed over 6000 matched pair lending and rental tests, which directly resulted in 136 lending settlements.
• Personally negotiated and drafted the six largest lending settlement agreements in HUD Civil Rights history, totally over 10 billion dollars.
• Negotiated an additional 24 settlements that totaled over 8 million dollars in relief for complainants.
• Supervised and reviewed the casework of all fair housing investigators for the Southwest Area and lending investigators nationally.
• Directed and monitored investigators to analyze facts and evidence regarding allegations of discrimination and civil rights violations in national “HOT CASES” initiative.
• Investigated and settled over 600 cases including one of the largest multifamily design and construction cases, at that time, in HUD history.
• Reviewed, analyzed, and monitored Fair Housing Initiative Program (FHIP) and Fair Housing Assistance Program (FHAP) grants related to fair housing and fair lending testing, education, investigation, and outreach.
• Developed fair lending training materials and conducting training sessions for HUD investigators involved with investigating insurance redlining and predatory lending issues.
• Used as an on-camera expert for conciliations in the National HUD Fair Housing/Fair Lending Conciliation Training videos.

PUBLICATIONS AUTHORED

Within the preceding five years, these are the publications I have authored.

• Americans with Disabilities Act: Questions and Answers. Metropolitan Dallas Builder/Architect Magazine, January 2002, p.3.

Making the Dream of Home Ownership a Reality, CTX Mortgage Company. Eclipse Magazine, Feb/Mar Issue 2001, p.17.

• Prepare Yourself for Fair Lending . Mortgage Originator, September 2000, p.116-118.

INDUSTRY AND PROFESSIONAL PRESENTATIONS

• The Convergence of Fair Lending and Predatory Lending Issues in Litigation and Compliance, the Conference on Consumer Finance Law, Consumer Credit 2001, November 1, Adams Mark Hotel, Dallas, Texas.
• Techniques for Conflict Resolution. Professional Education Program 2001, Apartment Association of Tarrant County, September 11, 2001, Fort Worth, Texas.
• Dispute Resolution : Annual Conflict Resolution Symposium. City of Dallas, Center for Community Cooperation, September 7, 2001. Dallas, Texas.
• Increase Sales with Conflict Resolution . “Surfing for Success in the New Economy,” National Association of Mortgage Brokers (NAMB) 2001 Annual Convention and Exposition. June 16-20, 2001, Honolulu, Hawaii.
• Conflict Resolution and Customer Relations. Fort Worth/Dallas Postal Customer Councils Mailers Conference 2000. February 8, 2000, Arlington Convention Center, Arlington, Texas
• Overcoming Barriers to Fair Housing through Community Partnerships . The Coastal Bend 2001 Fair Housing Symposium; April 27, 2001. Bayfront Convention Center, Corpus Christi, Texas.
• Cross-Cultural Communications. “Professional Education Program 2001,” Apartment Association of Tarrant County. February 20, 2001, Fort Worth, Texas.
• Fair Lending and Predatory Lending Issues: Compliance and Litigation Conference on Consumer Finance Law/Consumer Credit 2000 Program; November 10, 2000. Adam’s Mark Hotel, Dallas, Texas.
• Controlling Predatory Lending. Conference on Consumer Finance Law. November 9, 2000, Dallas, Texas.
• Controlling Predatory Lending . Western Regional Mortgage Brokers Conference, September 11, 2000. Las Vegas, Nevada.
• Fair Housing Implications for Increasing Minimum Lot Size; Liabilities and Federal Funding Issues. Texas Manufactured Housing Association (TMHA). June 29, 2000, Austin, Texas.
• Fair Housing Initiative: You are Being Tested. “Mortgage Brokers: The Choice for Excellence,” NAMB 2000 Annual Convention and Exposition. June 24-27, 2000, New Orleans, Louisiana.
• In All Fairness: Equal Access to Credit, Equal Level of Assistance , Association of American Professional Mortgage Women, June 13, 2000, San Antonio, Texas.
• Fair Housing 2000: “Beyond The Bottom Line”. TAA 2000 Education Conference & Lone Star Expo, May 18-20 2000. San Antonio, Texas.
• What Are The Fair Lending Issues Now And In The Future? May 9, 2000. Star Brand Ranch. Kaufman, Texas.
• Investing in a Community Strategy for Fair & Affordable Housing. The Coastal Bend Fair Housing 2000 Symposium. April 28, 2000, Bayfront Convention Center. Corpus Christi, Texas.
• Equal Opportunity Government Assisted Housing. Apartment Association of Tarrant County. February 10, 2000.

EXPERT TESTIMONY AND DEPOSITION

During the preceding four years I have supplied expert witness testimony and was deposed for the following cases:

• June 2001: Civil Action No. 3:00-CV-2246-R; K.D. Pool and Ven-Ken, Inc., Plaintiffs, v Johnson County, Texas, Defendants, filed in the U.S. District Court for the Northern District of Texas, Dallas Division. I was engaged by the Plaintiff.
• October 2002: Civil Action No. 1:01 CV 868; Dinah Williams, Plaintiffs, v David J. Moore, Defendants, filed in the U.S. District Court for the Northern District of Ohio, Eastern Division. I was engaged by the Defendant.
• January 2004: Civil Action No. 1:01CV02199; National Fair Housing Alliance, Inc., et al., Plaintiffs, v The Prudential Insurance Company of America, et al. Defendants, filed in the U.S. District Court for the District of Columbia. I was engaged by the Defendant.