Tony Hutchinson is the Executive Vice President and Head of Public Affairs at VantageScore, the Nation’s second largest credit score company.

Tony has shaped public policies critical to the housing industry, including the Dodd-Frank Financial Reform Law, and the subsequent Qualified Mortgage (QM) and Qualified Residential Mortgage (QRM) rulings, which ensured that homeownership remained affordable and accessible for all qualified homebuyers. He has nearly 30 years’ experience and a wealth of knowledge about the inner workings of Congress and the Executive Branch, as well as a deep understanding of the housing industry to his position at Freddie Mac.

Previously, Tony represented the views of more than one million REALTORS® as the Senior Policy Representative for financial services for the National Association of REALTORS® (NAR), the nation’s largest professional trade association, for more than five years.

Before that, Tony served in several critical positions at Fannie Mae for more than 10 years, including market intelligence for Fannie Mae’s partnership offices, managing the Emerging Markets effort in the Baltimore MSA, product development, manufactured housing portfolio, and was a customer account manager (CAM) for the mortgage lenders’ cooperative organizations.

Jason C. Jefferies is Director of Client Success – Mortgage Division at VantageScore, where he leverages more than 20 years of mortgage industry expertise to advance lender implementation of VantageScore 4.0 and innovative digital solutions that promote risk mitigation and greater credit inclusion.

Previously, Jason served as Senior Manager of Affordable Lending at Freddie Mac, where he led a national strategic initiatives team focused on agency portfolio growth and Federal Housing Finance Agency (FHFA) regulatory priorities, while building strategic alliances with leading financial institutions, industry associations, and community organizations.

A recognized relationship builder and advocate for inclusive lending, Jason has served on nonprofit boards and economic development committees. He holds an MBA in Finance and Management and is passionate about advancing economic growth, financial inclusion, and community empowerment.

Puneet Raheja is Vice President of Originations Operations for Lenders One. He is the head of L1 Operations and Data, leading the operations, credit, and analytics teams.

With over 15 years of experience in strategy, operations, and analytics, Puneet brings extensive leadership and detailed know-how on Lenders One Reseller Solutions, L1 Credit, National Programs, and Direct Services. He joined the organization in 2009 as Manager, Corporate Development. He has served in various roles with Altisource over the years, with stints in Corporate Development, Financial Planning and Analysis, Growth Analytics and Strategy.

An alumnus of the Indian Institute of Management Ahmedabad, he combines strategic execution with analytical acumen to launch and scale impactful business solutions.