Since 1989, Mr. Pinto has been a consultant to financial services industry, focusing on credit and valuation policy, housing policy, loan marketing, and product development. He is the author of the paper entitled: "Government Housing Policies in the Lead-up to the Financial Crisis" (2010). He has also written about the shortcomings of appraisal practices in the lead-up to the financial crisis and the steps that need to be taken to re-establish the appraiser's role in mortgage lending. In the late 1980s he served as Fannie Mae's chief credit officer. His research and commentary views are regularly cited by national media including the Wall Street Journal, New York Times, Washington Post, Fox News, CNBC, Nightly Business Report, and Bloomberg. He has appeared as a witness before the House Financial Services and House Oversight and Government Reform committees.