Ann Baddour, Director, Fair Financial Services Project at Texas Appleseed, is the state director of Appleseed projects aimed at bringing low-income and immigrant consumers into the financial mainstream. She is actively involved in reform of regulations governing payday and auto title lending in Texas to build greater consumer protection into these transactions. Her work in the areas of immigrant financial education and improving consumer disclosure and protection in remittance transactions has been presented at economic conferences in Benin, Africa; Mexico; and the European Union. Ann also oversees Texas Appleseed's project on protecting the rights of immigrants with mental disabilities in the immigration court and detention system. Ann is a Fulbright Scholar with a Master of Public Affairs Degree from the LBJ School of Public Affairs and a Masters Degree in Middle Eastern Studies from The University of Texas at Austin.