Xiaoling Ang is an expert witness specializing in consumer financial services, antitrust, and labor economics. Her practice focuses on the banking, insurance, and finance industries. She focuses on applying rigorous economic and econometric methods to these areas, including through class certification and damages analysis, policy evaluation, cost-benefit analysis, and fair lending analysis.
Dr. Ang has testified in federal administrative law court and has advised clients on consumer financial services compliance issues, including APR and amortization schedule calculations. Her antitrust experience includes matters related to fixed-income securities and insurance, as well as consumer packaged goods.
Prior to joining Edgeworth, Dr. Ang was one of the original economists at the Consumer Financial Protection Bureau (CFPB). At the CFPB, Dr. Ang frequently served as the Lead Economist on Bureau initiatives and rulemakings, including TILA/RESPA, a deposit products rulemaking; interagency appraisal rulemakings (Higher Risk Mortgage Rulemaking and ECOA Amendment); larger participant rulemakings in student loan servicing and international money transfers; randomized control trials; disclosure testing; and on a Congressional report on private student loans. Before joining the CFPB, Dr. Ang was a Financial Economist at the FDIC.
Dr. Ang’s work has been published in law and economic journals and she has presented her research at over 20 academic and industry conferences. Her academic research includes work on student and mortgage lending, as it relates to behavioral economics, pass through, and bankruptcy. She has also served as a member of the technical panel of the Department of Education’s Postsecondary Surveys and a reviewer for the Journal of Financial Services Research and the Review of Economics and Statistics. She has been awarded various national fellowships, including the National Science Foundation Graduate Research Fellowship and the Statistics Canada Tom Symons Research Fellowship.
Dr. Ang earned her PhD and MA in economics from Princeton University, and her MS and BS in mathematics, summa cum laude, from Loyola University Chicago.
News & Events
The New HMDA: Fair Lending, Econometrics, and Beyond | ABA Business Law Spring Meeting 2017 Event Fri, Apr 7, 2017, 5–6 pm
An In-Depth Look at HMDA Issues | ABA Business Law Annual Meeting 2016 Event Sat, Sep 10, 2016, 9:30–10:30 am
An In-Depth Look at HMDA Issues Basic Sep 6, 2016
Consumer Financial Services Alert August 2016 Edgeworth Alert Aug 5, 2016
American Economic Association 2016 Annual Meeting Event Sun, Jan 3–Tue, Jan 5, 2016
Federal Reserve Bank of Dallas: Intent vs. Impact: Evaluating Individual- and Community-Based Programs Event Mon, Nov 16–Tue, Nov 17, 2015