Jose A. Quinonez

José A. Quiñonez is a financial services innovator creating a pathway to mainstream financial services and non-predatory credit for individuals with limited or no financial access. A disproportionate number of minority, immigrant, and low-income households are invisible to banks and credit institutions, meaning they have no checking or savings accounts (unbanked), make frequent use of nonbank financial services (underbanked), or lack a credit report with a nationwide credit-reporting agency. Without bank accounts or a credit history, it is nearly impossible to obtain safe loans for automobiles, homes, and businesses or to rent an apartment. José A. Quiñonez received a B.A. (1994) from the University of California at Davis and an M.P.A. (1998) from Princeton University. He founded Mission Asset Fund in 2007 and continues to serve as CEO. His prior affiliations include the Center for Community Change (2001–2004) and Bread for the World (2000–2001). From 2012 to 2014, he was the inaugural chair of the Consumer Advisory Board of the Consumer Financial Protection Bureau.