Albert D. Chang joined the Consumer Financial Protection Bureau (CFPB) in 2013 and serves as Counsel in the Office of Innovation, where he develops and implements programs that facilitate consumer-beneficial innovation. Prior to his current appointment, he served as co-chair of the CFPB’s Alternative Data Working Group; Counsel and Louis D. Brandeis Fellow in the Office of Fair Lending & Equal Opportunity; Counsel in the Office of Supervision Policy; and Policy Assistant in the Office of Card and Payment Markets. Albert attended law school and joined the Bureau after stints at American Express and Ernst & Young, where he focused on fair lending issues and model risk management. Albert received his B.A. in Physics and Economics from Swarthmore College and J.D. from Yeshiva University.