Joseph Cwiklinski is the vice president/government relations director for the Federal Home Loan Bank of Des Moines. Joe has more than 20 years of experience advising members of Congress on legislative initiatives. In his prior roles, he has been involved with a number of key committees and programs including the U.S. Joint Economic Committee, U.S. Senate Banking Committee, U.S. Congressional Oversight Panel, Troubled Asset Relief Program and U.S. House Financial Services Committee. Jeff Huther is the Vice President of Banking and Economic Policy Research at the American Bankers Association. Jeff has expertise in fixed income markets with a thorough understanding of the Treasury market, MBS pricing and money market dynamics. He was previously the Director of the Office of Debt Management, U.S. Treasury; Vice President, Financial Engineering, Freddie Mac; Section Chief, Money Market Analysis, Federal Reserve.