Chris Howard

Chris Howard is a Senior Vice President at Callahan & Associates. When he’s not workingwith industry-leading credit unionson financial health and well-being, data analytics, fintechs, and credit union impact, he’s moderating a Callahan Executive Roundtable or consulting with any number of credit unions on topics ranging from strategy and governance to member engagement and performance.

Chris has more than 20 years of experience in the field of financial services, eight of those with Callahan. He was instrumental in the launch of Callahan Academyand frequently facilitates course discussion groups about sustainable business strategy, disruptive innovation, consumer-focused product development, and behavioral science.

Outside of financial services, Chris has worked as a U.S. Senate staffer, produced a TV show, taught college courses, written articles for think tanks, and tended bar. His varied background gives him a diverse array of perspectives from which to pull when working with clients on their strategic challenges. As a former banker, Chris saw firsthand how banks put stockholder needs above those of consumers and is dedicated to helping credit unions spread the word that their movement is here to serve average Americans.

When he’s not helping credit unions turn the for-profit model of financial services on its head, he’s exploring everything Washington, DC, has to offer — including museums, parks, food, and history. On pleasant days, Chris enjoys hitting the road on his bicycle or heading out into the countryside. On rainy ones, he opts for a book about politics or business. And, he considers any day a good day to enjoy a glass a fine wine.

Credit Union Industry Commentary

Is RBC2 The NCUA’s Duty?

Rick Metsger says the NCUA has a duty to protect the insurance fund against "material risks."
Credit Union Industry Commentary

RBC2: NCUA Doesn’t Know What The Future Holds (And Neither Do I)

Like generals, regulators are always fighting the last war.
Credit Union Industry Commentary

RBC2: Questionable Claims

Much of the logic surrounding RBC2 is absurd, especially the idea that it offers any more protection than effective examination.
Credit Union Industry Commentary

RBC2: Member-Owners Get Burned Both Ways

Reserves are different from capital, and with RBC2, credit union members pay the price.
Credit Union Industry Commentary

RBC2: What Capital Problem?

The argument that existing capital regulations are ineffective just doesn’t hold water.
Credit Union Industry Commentary

RBC2: This Proposal Is No Solution

The NCUA is proposing an invasive, possibly illegal solution to a problem that does not exist.
Credit Union Industry Commentary

RBC2: Just Common Sense?

Systemic rules like RBC are always simplistic and inflexible, a kind of bureaucratic bludgeon.
Industry Insights

Raising Alarm About Risk-Based Capital

Callahan's research chief goes on the air with CUbroadcast to discuss why the NCUA board should vote against the agency's proposed risk-based capital rule and ...
Credit Union Industry Commentary

RBC2: Only One Mind To Change

Credit unions should focus their efforts on persuading NCUA board member Rick Metsger to change his mind on RBC.
Credit Union Industry Commentary

RBC2: It Ain’t Over Yet

NCUA will assume it's all peachy-keen unless the agency hears from credit unions.
CreditUnions.com
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