Richard J. Roll is a nationally recognized authority and consumer advocate on home ownership issues and consumer financial services.  He founded and has served as CEO of the American Homeowners Association (AHA)® since 1994, which serves members in all 50 states.  A former execu tive at Citibank, Mr. Roll has authored two best-selling personal finance handbooks which were each syndicated in 25 major metropolitan newspapers.  The Best Years Book, co-authored with TV personality Hugh Downs, is a handbook of pre-retirement planning and a Book-of-the-Month Club and Fortune Book Club selection.  Mr. Roll further expanded his experience in the field of retirement planning as publisher of The Best Years Guide to Better Retirement Living, a national Sunday newspaper supplement devoted to retirement finances and lifestyle planning issues.  His second book, Getting Yours, a handbook of personal finance for young professionals, co-written with Harvard Business School classmate Douglas Young, earned praised by Barron's and was listed in USA Today’s best-selling business books.  Both books are available on

In his twenty-five year business career, Mr. Roll has appeared and been regularly quoted on CNN, CNBC, the Wall Street Journal Report, Business Week, The New York Times, Bottom Line Personal, Worth Magazine, Money Magazine, Ladies Home Journal, Glamour Magazine and countless other publications and media outlets. A graduate of Brown University and the Harvard University Graduate School of Business Administration, he is an expert adviser to Money Magazine and chairs the John Taylor Lewis Memorial Scholarship at Columbia College.

Richard Roll co-founded a leading mortgage auditing service, Mortgage Monitor, in 1991, which served thousands of satisfied homeowner customers.  As a result of this experience, he was invited to testify before the U. S. House Banking Committee in 1993 by the then Attorney General of New York, Robert Abrams, a noted consumer advocate.  Mr. Roll's testimony was credited for spearheading new mortgage administration rules which have saved homeowners billions of dollars since 1995.  His testimony before the U.S. Senate Banking Committee helped to spearhead passage of legislation which provides greater disclosures and automatic termination for Private Mortgage Insurance (PMI) when the equity has reached a certain level, saving homeowners millions of dollars a year.  Today, AHA works with leading financial institutions, corporations and organizations across America to bring AHA's savings, security, and other benefits to their customers and employees.

After Mr. Roll's Congressional testimony, he received uncommon praise from then-Chairman of the House Banking Committee, Representative Henry Gonzales, who personally wrote to Mr. Roll   stating: "Please know how much I admire and thank you for your magnificent work."  Mr. Roll's experience in helping to bring about and write this new legislation, combined with his direct experience with the needs and common issues faced by millions of homeowners, led him to the founding of the American Homeowners Association (AHA)® in 1994.

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