Harold A. Black is the James F. Smith, Jr. Professor of Financial Institutions at the University of Tennessee, Knoxville. Dr. Black, a native of Atlanta, Georgia received his undergraduate degree from the University of Georgia and his M.A. and Ph.D. degrees from the Ohio State University. He lectures, consults and publishes extensively in the areas of financial institutions and the monetary system. His articles have appeared in publications including the American Economic Review, Journal of Money, Credit and Banking, Journal of Finance, Journal of Banking and Finance, Southern Economic Journal, Journal of Financial Research and the Journal of Monetary Economics. His consulting clients include Barnett Banks, SunTrust Bank, Fleet Financial Corporation, Fleet Mortgage Corporation, Home Savings of America, Chrysler Financial Corporation, National Bank of Commerce, National Credit Union Administration and Branch Banking and Trust Company.

Prior to joining the faculty at Tennessee, he served on the faculties of American University, Howard University, the University of North Carolina - Chapel Hill and the University of Florida. His government service includes being Deputy Director, Department of Economic Research and Analysis, Office of the Comptroller of the Currency and Board Member, National Credit Union Administration. He has served as a Director and Chairman of the Nashville Branch of the Federal Reserve Bank of Atlanta. Among his honors, he has received the Department of Treasury's Special Achievement Award, the National Urban League's Outstanding Service Award, the Distinguished Alumnus Award from the University of Georgia's College of Business Administration, the National Credit Union Administration's Exceptional Service Award and the Chancellor's Award for Research Excellence at the University of Tennessee. Dr. Black was awarded the 2001 John B. Ross Teaching Award for excellence in teaching and is listed in Who's Who Among Black Americans and Who's Who Worldwide. He recently served as a public interest member of the Federal Deposit Insurance Corporation's Savings Association Insurance Fund Advisory Committee, Washington, DC. and as a Director of H. F. Ahmanson & Co., Irwindale, California, the parent company of Home Savings of America, one of the nation's largest consumer banking organizations prior to its merger with Washington Mutual Savings Bank.

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