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Joseph Otting

President, Chief Executive Officer & Executive Chairman, Flagstar Financial

Search every verified Joseph Otting interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Joseph Otting, president, CEO, and executive chairman of Flagstar Bank, discussed the launch of a new fund aimed at addressing the U.S. affordable housing crisis during a November 2025 appearance on CNBC's "Squawk Box." He described the fund as part of an impact partnership with CiMB and Broadcom Venture Impact Ventures, focusing on multifamily affordable housing. Otting said the fund aims to institutionalize Community Reinvestment Act (CRA) capital by creating an efficient vehicle for banks to invest in projects across communities, combining below-market equity and debt to reduce development and rent costs. He noted a shortage of 4 to 7 million housing units and emphasized the fund's ten-year commitment to naturally occurring affordable housing, calling it a scalable "win-win" approach. In earlier appearances, Otting discussed his work as Comptroller of the Currency. In a 2018 interview at Georgetown University, he addressed the OCC's fintech charter, stating that many fintech companies were moving toward partnering with banks rather than seeking charters themselves, and that the agency expected its first national bank charter application around that time. In a separate 2018 conversation, he proposed simplifying CRA measurement by creating a standardized system to compare banks' community reinvestment commitments, and advocated for expanding credit access to individuals with sub-600 FICO scores, saying that 50 to 100 million people lacked access to credit due to regulatory constraints.

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