Professor of Law, UC Irvine School of Law
Mehrsa Baradaran is a Professor of Law at UC Irvine School of Law.
Previously, she was the Robert Cotten Alston Chair in Corporate Law and Associate Dean for strategic initiatives with a focus on diversity and inclusion efforts and national and international faculty scholarship recognition at the University of Georgia School of Law.
Baradaran writes about banking law, financial inclusion, inequality, and the racial wealth gap. Her scholarship includes the books How the Other Half Banks and The Color of Money: Black Banks and the Racial Wealth Gap, both published by the Harvard University Press. The Color of Money: Black Banks and the Racial Wealth Gap was awarded the Best Book of the Year by the Urban Affairs Association, the PROSE Award Honorable Mention in the Business, Finance & Management category. Baradaran was also selected as a finalist at the 2018 Georgia Author of the Year Awards for the book in the category of history/biography.
Baradaran has also published articles including "Jim Crow Credit" in the Irvine Law Review, "Regulation by Hypothetical" in the Vanderbilt Law Review, "It's Time for Postal Banking" in the Harvard Law Review Forum, "Banking and the Social Contract" in the Notre Dame Law Review, "How the Poor Got Cut Out of Banking" in the Emory Law Journal, "Reconsidering the Separation of Banking and Commerce" in the George Washington Law Review and "The ILC and the Reconstruction of U.S. Banking" in the SMU Law Review. Of note, her article "The New Deal with Black America" was selected for presentation at the 2017 Stanford/Harvard/Yale Junior Faculty Forum.
Baradaran and her books have received significant national and international media coverage and have been featured in the New York Times, the Atlantic, Slate, American Banker, the Wall Street Journal and Financial Times; on National Public Radio’s “Marketplace,” C-SPAN’s “Washington Journal” and Public Broadcasting Service’s “NewsHour;” and as part of TEDxUGA. She has advised U.S. Senators and Congressmen on policy, testified before the U.S. Congress, and spoken at national and international forums like the U.S. Treasury and the World Bank.
She earned her bachelor's degree cum laude from Brigham Young University and her law degree cum laude from NYU, where she served as a member of the New York University Law Review.
Executive Director, Government Affairs, Goldman Sachs
Diego Zuluaga serves as Executive Director, Government Affairs at Goldman Sachs.
Previously Zuluaga served as a Principal at Fingleton. Prior to joining Fingleton, Zuluaga was an associate director of financial regulation studies at the Cato Institute’s Center for Monetary and Financial Alternatives, where he covered financial technology and consumer credit. Before joining Cato, Zuluaga was Head of Financial Services and Tech Policy at the Institute of Economic Affairs in London. While at the IEA, he wrote on international capital mobility, multi-sided platform regulation, and price controls on consumer credit, among other subjects.
Zuluaga is the author of “Should Cryptocurrencies Be Regulated like Securities?” and “The Community Reinvestment Act in the Age of Fintech and Bank Competition.” He has previously testified on the impact of restrictions on short-term lending before the House Subcommittee on Consumer Protection and Financial Institutions. Zuluaga's work has featured in print and broadcast media, such as Politico, the Wall Street Journal, Newsweek, American Banker, the London Times, and the Daily Telegraph. Zuluaga is a prolific public speaker as well as a former lecturer in economics at the University of Buckingham.
Originally from Bilbao in northern Spain, Zuluaga holds a BA in economics and history from McGill University, and an MSc in financial economics from the University of Oxford.
Assistant Attorney General, Office of Legal Counsel, U.S. Department of Justice
T. Elliot Gaiser is the Office of Legal Counsel’s 27th Assistant Attorney General. He was nominated by President Donald Trump on April 29, 2025, confirmed by the United States Senate on July 30, 2025, and sworn in as AAG by Attorney General Pam Bondi on August 4, 2025.
Prior to joining the Office of Legal Counsel, Mr. Gaiser served as the 11th Solicitor General of Ohio. In that role, he represented his home state and its agencies before the Supreme Court of the United States, the United States Court of Appeals for the Sixth Circuit, the Supreme Court of Ohio, and other state and federal courts. He also advised Ohio Attorney General Dave Yost on significant legal and constitutional matters important to the people of Ohio.
Mr. Gaiser clerked for Justice Samuel A. Alito, Jr. of the Supreme Court of the United States, Judge Neomi Rao of the United States Court of Appeals for the D.C. Circuit, and Judge Edith H. Jones of the United States Court of Appeals for the Fifth Circuit. In the private sector, Mr. Gaiser worked at the law firms Jones Day, Boyden Gray, and Gibson Dunn. He graduated from the University of Chicago Law School and Hillsdale College. He is also a husband and father.
President, Mastercard Center for Inclusive Growth
Shamina Singh has spent her career building connections across the public, private and non-profit sectors to deliver strategies that contribute positively to the global economy. As president of the Mastercard Center for Inclusive Growth, she is responsible for ensuring the Center achieves its mission to advance sustainable and equitable economic growth and financial inclusion around the world. Previously, she served as the Global Director of Mastercard’s Government Services and Solutions, where she worked to digitize social subsidy programs in over 40 countries.
In 2015, Ms. Singh was appointed by President Obama to a six-year term on the board of the Corporation for National and Community Service, a federal agency responsible for engaging more than five million citizens in community service. She currently serves as Board Chair. She is also a member of the U.S. Secretary of State’s Advisory Committee on Public-Private Partnerships, a newly-formed advisory body to the U.S. Government on policies, proposals and strategies for developing public-private partnerships that promote shared value with the private sector worldwide.
Prior to joining Mastercard, Ms. Singh led Government and Public Affairs for Nike and spent five years with Citigroup’s Global Community Development Group. Over a 15-year career in the public sector, she held senior positions in the White House and the U.S. House of Representatives.
Ms. Singh is an alumna of the World Economic Forum’s Young Global Leaders program and currently serves on the Council on Economic Growth and Social Inclusion. She is on the board of Global Health Corps and the advisory boards of Data & Society and the Beeck Center for Social Impact + Innovation at Georgetown University. She is a Henry Crown Fellow with the Aspen Institute. Shamina holds an M.P.A from the Lyndon B. Johnson School of Public Affairs at the University of Texas, Austin and a B.S. from Old Dominion University.
Deep Dive Episode 110 – Community Reinvestment Act: Remedy or Relic?
Mehrsa Baradaran, Diego Zuluaga, T. Elliot Gaiser
Congress passed the Community Reinvestment Act in 1977, intending to encourage depository institutions to help...
Accelerating Financial Inclusion and Inclusive Growth - Podcast
Shamina Singh
Today, approximately two billion people lack access to financial services. Because of their exclusive reliance...