Dan Smith

Executive Vice President, Head of Regulatory Affairs

Dan Smith joined the Consumer Bankers Association (CBA) to lead the Regulatory Affairs program and be a part of CBA’s executive team.  He has more than 25 years of legislative and regulatory experience at both the federal and state level.

Most recently, Dan was Senior Vice President and Executive Director of the American Bankers Association’s (ABA) Card Policy Counsel where he represented the top credit card issuers and networks in front of congress and regulatory agencies on all issues impacting the credit card market including: interest rate cap proposals, interchange, Regulation Z, modernization of disclosures and e-sign legislation.

Prior to joining ABA, Dan was the Consumer Financial Protection Bureau’s (CFPB) first Assistant Director for the Office of Financial Institutions and Business Liaison, where he built out the office and created its framework.  Dan was responsible for managing the Bureau’s relationship with more than forty trade associations, senior executives and government relations professionals at all major banks and financial service companies to facilitate constructive dialogue on all consumer financial policy issues.

Before joining the CFPB, Dan spent 4 years at Freddie Mac serving as the Director of Industry and State Relations and was responsible for legislative, regulatory, and industry issues in all 50 states.   Dan managed Freddie Mac’s relationships with the National Association of Realtors (NAR), the minority realtor groups, and state realtor associations. He joined Freddie Mac after having spent 15 years lobbying governors, attorneys general, state agencies, and legislative bodies in all 50 states on behalf of direct marketers and publishers, fortune 500 companies, international publishers, and three trade associations as Vice President at Dehart and Darr Associates.

Dan is a leading authority on state legislative processes and has an in-depth knowledge of consumer protection laws and regulations in all areas of consumer financial services, foreclosure prevention, mortgage, privacy, direct marketing, and publishing. 

Dan received his Master of Business Administration and undergraduate degree in Political Science from Mount Saint Mary’s University in Emmitsburg, Maryland.