As AI increasingly influences housing and lending decisions, regulatory agencies must develop specialized expertise to protect consumers effectively. This panel will examine the essential skills and knowledge that staff at governmental and quasi-governmental agencies need to identify, assess, and mitigate AI-related risks in housing and lending. The discussion will focus on practical strategies for building technical capacity within these agencies, including approaches to understanding algorithmic discrimination, automated valuation models, and AI-driven marketing systems. Panelists will explore how agencies can develop staff expertise in areas such as AI auditing, fair lending analysis, and algorithmic impact assessment while maintaining strong civil rights enforcement capabilities. The session will provide concrete recommendations for workforce development, training programs, and inter-agency collaboration to ensure effective oversight of AI systems.