Mary Margaret Pfaff is Senior Director, State Legislative Policy, at the Conference of State Bank Supervisors in Washington, D.C. In that role, Pfaff has developed a consolidated state legislative tracking, analysis and reporting function covering the entire CSBS portfolio of bank and non-depository financial services state legislative and regulatory issues. Prior to moving into this role, Pfaff spent 8 years at CSBS working with state regulator and industry users of the Nationwide Multistate Licensing System (NMLS) on regulatory and policy issues related to state coordination on non-depository issues and oversaw all NMLS-related legislative issues and communications. Prior to joining CSBS in May of 2009, Pfaff was the Director of State Government Relations at Freddie Mac where she was responsible for developing and representing Freddie Mac’s views and positions on legislative and regulatory initiatives to state officials and their staffs, and for leading corporate responses to state initiatives. In addition to her position at CSBS, Ms. Pfaff is also co-author of Residential Mortgage Lending: State Regulation Manual published by Thomson Reuters.