Founder & CEO

José A. Quiñonez, CEO, founded Mission Asset Fund (MAF) in 2007. He continues to drive its mission of providing pathways to prosperity for low-income communities. Under his leadership, MAF has become an award-winning organization. Its innovative social lending programs bring communities across the nation out of the financial shadows and into the financial mainstream. In 2016, José received a MacArthur “Genius” award for his vision and creativity as a financial services innovator.

MAF’s pioneering Lending Circles programs have allowed over 7,000 people to build their credit scores and access zero-interest loans. Participants use their loans to rent apartments, start businesses, and apply for citizenship. In 2014, José’s tireless advocacy enabled the passage of SB 896. This law made California the first state to regulate and recognize credit-building loans as a powerful tool for change.

José lived undocumented for much of his youth before gaining legal status through the Immigration Reform and Control Act of 1986. That experience shaped his lifelong commitment to breaking down the barriers that keep people from realizing their full potential.

José received a B.A. from the University of California at Davis and an M.P.A. from Princeton University. He currently serves on the Consumer Advisory Councils for Capital One, Experian, and the Federal Reserve Bank of San Francisco. From 2012 to 2014, he was the inaugural chair of the CFPB’s Consumer Advisory Board.