William Malone, Contractor for Malone and Malone Construction, Washington, DC

Catey Doyle, Chief Staff Attorney, Civil Division, Legal Aid Society of Milwaukee, Milwaukee, WI

Thomas Perez, Maryland Secretary, Department of Labor, Licensing and Registration, Baltimore, MD

John Anderson, Licensed Realtor, Twin Oaks Realty, Minneapolis, MN (on behalf of the National Association of Realtors)

Rachel Dollar, Attorney and Certified Mortgage Banker, Santa Rosa, CA (on behalf of the Mortgage Bankers Association)

Peggy Twohig, Associate Director, Division of Financial Practices, Federal Trade Commission, Washington, DC