Griffith Garwood is a graduate of Dickinson College, the University of Michigan Law School, and the Stonier School of Banking. He began his career at a law firm in New York City. The remainder of his career was with the Board of Governors of the Federal Reserve System as Director of the Division of Consumer and Community Affairs from 1982 to 1998. In that role he was responsible for administering a number of Federal laws including the Truth in Lending Act, Electronic Funds Transfer Act, Community Investment Act, Home Mortgage Disclosure Act, and Equal Credit Opportunity Act. During the course of his career, Garwood oversaw a large professional staff of attorneys, analysts, and finance experts and conducted public hearings, testified before Congress, lectured widely, and published articles in national legal and banking publications.