Jeff Buysse joined the Carleton Research Department in 1985 and has served as Director of Research since 1991. He has authored numerous "white paper" type reports about various topics in our industry and regularly serves as a speaker/instructor at seminars and continuing education classes regarding consumer credit math. He has extensive experience in computational analysis and is sought out as a consultant by both the public and private sectors of the consumer credit industry. He is also the editor of "The Cost of Personal Borrowing in the United States" which provides update summaries of consumer credit lending laws to over 200 subscribers.