Executive Vice President and Senior Advisor to the President, Federal Reserve Bank of New York
Joseph Tracy is Executive Vice President and Senior Advisor to the President at the Federal Reserve Bank of New York. As Senior Advisor, Tracy focuses on housing and household credit issues. Tracy’s research interests include labor economics, unions and collective bargaining, compensation design, real estate finance, and local public finance. Prior to joining the Bank, Tracy was Associate Professor of Economics at both Yale University and Columbia University.
Ferreira, Fernando, Joseph Gyourko, Joseph Tracy. 2012. Housing Busts and Household Mobility: An Update. FRBNY Economic Policy Review, 18(3).
Dechario , Toni, Patricia C. Mosser, Joseph Tracy, James Vickery and Joshua Wright. 2011. “A Private Lender Cooperative Model for Residential Mortgage Finance.” In The American Mortgage System: Crisis and Reform, Susan M. Wachter and Marvin M. Smith, Chapter 12. Philadelphia: University of Pennsylvania Press.
Ferreira, Fernando, Joseph Gyourko, and Joseph Tracy. 2010. Housing Busts and Household Mobility. Journal of Urban Economics, 68(1): 34-45.
Haughwout, Andrew, Christopher Mayer, and Joseph Tracy. 2009. Subprime Mortgage Pricing: The Impact of Race, Ethnicity, and Gender on the Cost of Borrowing. Federal Reserve Bank of New York Staff Reports, no. 368.
Xiao “Betty” Wang
PhD Candidate, Business Economics and Public Policy, the Wharton Business School
Areas of Interest
Xiao (Betty) Wang is a Doctoral Student in Business Economics and Public Policy at the Wharton Business School. Her research interests are in urban economics, real estate economics and public policy. Before coming to Penn, Betty earned a Bachelor’s degree in Economics, Mathematics and International Development Studies from Washington University’s College of Arts and Sciences.
Chief Economist, Moody’s Analytics
Mark M. Zandi is chief economist of Moody’s Analytics, where he directs economic research. Dr. Zandi is a cofounder of Economy.com, which Moody’s purchased in 2005. Dr. Zandi’s broad research interests encompass macroeconomics, financial markets and public policy. His recent research has focused on mortgage finance reform and the determinants of mortgage foreclosure and personal bankruptcy. He has analyzed the economic impact of various tax and government spending policies and assessed the appropriate monetary policy response to bubbles in asset markets. A trusted adviser to policymakers and an influential source of economic analysis for businesses, journalists and the public, Dr. Zandi frequently testifies before Congress on topics including the economic outlook, the nation’s daunting fiscal challenges, the merits of fiscal stimulus, financial regulatory reform, and foreclosure mitigation. Dr. Zandi is the author of Paying the Price: Ending the Great Recession and Beginning a New American Century and Financial Shock: A 360º Look at the Subprime Mortgage Implosion, and How to Avoid the Next Financial Crisis. Dr. Zandi earned his B.S. from the Wharton School at the University of Pennsylvania and his PhD at the University of Pennsylvania.
Assistant Professor of Real Estate, Baruch College, CUNY
Albert Zevelev is an Assistant Professor of Real Estate at the Zicklin School of Business at Baruch College, CUNY. He is an applied economist studying interactions between housing markets, financial markets and the rest of the economy. He holds a Bachelor's degree from Brandeis and a PhD from Wharton.
“Transparency in the Mortgage Market” with Andrey Pavlov and Susan Wachter. Journal of Financial Services Research, Springer, Forthcoming.