Sheila Oliver

Deputy Commissioner, Escrow & Mortgage Lending at California Department of Financial Protection and Innovation

Speaker

Sheila Oliver serves as the Deputy Commissioner of Fair Lending, Mortgage, Escrow, and Mortgage Loan Originators at the California Department of Financial Protection and Innovation (DFPI). In this role, she oversees and enforces state laws and regulations designed to protect consumers from unfair, deceptive, and discriminatory practices across the financial services sector. With more than 35 years of experience developing, managing, and evaluating regulatory compliance and governance programs, she brings deep expertise and a sustained commitment to HMDA, Fair Lending, and ECOA oversight.

Sheila leads a statewide team of professionals responsible for examinations, licensing, investigations, and outreach activities that ensure independent escrow licensees, mortgage loan originators, and lending institutions comply with state and federal requirements. Her leadership emphasizes rigorous supervision, data-driven risk assessment, and consistent application of fair lending standards.

She also collaborates extensively with state and federal regulators, industry stakeholders, and community development organizations to advance fair and responsible lending practices, strengthen consumer financial education, and support equitable access to credit. Sheila is also a team member on the Mortgage Data Working Group, overseeing a multi-phase analytics initiative designed to modernize loan file review and strengthen data-driven regulatory practices across state agencies.

Her mission is to foster a fair, transparent, consumer protection, and inclusive financial marketplace that serves the needs and interests of all Californians.

Sheila Oliver has a Master of Business Administration and a Bachelor of Science degree from Pepperdine University, supported by more than a decade of leadership experience in banking and mortgage regulation.