20 External Stakeholder Advisory Council We created the Stakeholder Advisory Council in 2017 to provide external insight and feedback to the Board and senior management on current and emerging issues . The council is composed of external experts and thought leaders who represent groups focused on human rights, consumer rights, fair lending, the environment, civil rights, and governance . The council represents a diverse range of perspectives and experiences, and is focused on deepening our understanding of current and emerging ESG issues that are relevant to our stakeholders . Key issues include serving the financial needs of underserved communities, diversity and social inclusion, and environmental sustainability . This group helps us understand and consider a broad range of perspectives — not only in our ESG plans and activities, but also in our day-to-day business operations and decisions . ESG Disclosure Council In 2018, we formed an internal ESG Disclosure Council comprising senior leaders from the Controller’s Division, the Legal Department, Finance, Corporate Risk, and Public Affairs . The council helps us deliver on our commitment to transparency by providing senior-level accountability for ESG reporting and disclosures, as well as by considering ways to address gaps and deficiencies .