Article: COMBOG's new leadership: Clifford Hardy, president and CEO of First Housing, Tampa, Florida, is the new leader for the commercial and multifamily members of the Mortgage Bankers Association (MBA). He brings extensive multifamily experience to the job of chair of the Commercial Real Estate/Multifamily Finance Board of Governors (COMBOG).(Cover Report)(Commercial Real Estate/Multifamily Finance board of Governors' (COMBOG))

THE BROAD INDUSTRY EXPERIENCE OF THE NEW commercial/multifamily leadership for the Mortgage Bankers Association (MBA) mirrors the theories of comparative advantage and division of labor found in classical economics. Adam Smith had his butcher, baker and candlestick maker to illustrate the cooperative joys of capitalism. Similarly, MBA's 2004 Commercial Real Estate/Multifamily Finance Board of Governors' (COMBOG's) leadership blends the insights of an affordable-housing multifamily maven, a regional mortgage banker and a national conduit lender.

Clifford B. Hardy, CMB, president and chief executive officer of First Housing, Tampa, Florida, serves as the new COMBOG ...

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