Dr. Harold Alonza Black is the 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. 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 the first African-American Board Member of the National Credit Union Administration. He has served as a Director and Chairman of the Nashville Branch of the Federal Reserve Bank of Atlanta, Georgia.