Amy Crews Cutts joined Equifax as Chief Economist in March, 2011. A recognized industry expert, Cutts brings to her role over 18 years of economic analysis and policy development experience. As Chief Economist, she is responsible for analytics and research relating to the consumer wallet– assets, income, credit, and spending along with macroeconomic factors affecting the consumer. She is also responsible for macroeconomic forecasting and commentary and the economic analysis of employment and small business credit trends. In January 2013, Cutts also became the leader of Equifax’s mortgage and capital markets analytics unit.
Prior to joining Equifax, Cutts served for eight years as the as the Deputy Chief Economist at Freddie Mac, where she was responsible for primary and secondary mortgage market analysis and research, macroeconomic analysis and forecasting, and was involved in the analysis of affordable lending activities, fair-housing policy, foreclosure prevention, credit scoring, and other policy issues affecting housing and mortgage markets. Often quoted in national print and broadcast media, Cutts has also published numerous studies in academic journals and books on such topics as the economics of subprime lending, the impact of technology on foreclosure prevention, and the market for multifamily mortgages.
Prior to joining Freddie Mac in 1997, Cutts was Assistant Professor of Economics and Senior Researcher in the Maxwell School for Citizenship and Public Affairs at Syracuse University, where she did research on housing policy, income distribution and poverty. Cutts has also taught in the McDonough School of Business at Georgetown University, the Institute for Policy Studies at the Johns Hopkins University, and the University of Virginia.
She has served on the board of directors of the American Real Estate and Urban Economics Association, and is immediate past chair and founding member of the AREUEA Women in Real Estate Network. She sits on the policy advisory board of The Reinvestment Fund, Philadelphia, PA, and on the editorial advisory board for DS News. She is also on the board of directors of the International Conservatory of Music, Washington, DC, and since 2006 she has served as the Executive Director for the ICM’s Beatty Music Scholarship Competition for Classical Guitar.
Cutts holds a Master’s and PhD in Economics from the University of Virginia and a Bachelor’s degree in Applied Mathematics from Trinity University in San Antonio, TX.
Beth Ziesenis is an author, speaker technology consultant and nerd. Since her first Commodore 64 computer, Beth has been fascinated with technology and computer shortcuts that make people’s lives easier.
From her home base in sunny San Diego, California, Beth helps computer users all over the country filter through thousands of apps, gadgets, widgets and doodads to find the perfect free and bargain technology tools for business and personal use through presentations and her book Upgrade to Free: The Best Free and Low-Cost Online Tools and Apps. Read more about Beth Z at www.askbethz.com.
Celia Chen, Ph.D.
Celia Chen is a senior director of the Moody’s Analytics research staff, specializing in housing economics. Celia manages the Moody’s analytics regional house price forecast models, develops proprietary housing market indicators, and writes extensively about housing issues. Dr. Chen has participated in numerous consulting projects, including econometrics modeling of regional house price forecasts, consumer lending, and mortgage lending.
Celia speaks regularly at Moody’s client conferences and has provided economic commentary on Wall Street Radio, Bloomberg and CNBC. Celia completed her Ph.D. at the University of Pennsylvania, with a concentration in econometrics and international finance. She holds a bachelor’s degree in economics from Barnard College.
R. Dan Brumbaugh, Jr., Ph.D.
Dr. Brumbaugh received his BA from Colgate University and his Ph.D. in economics from George Washington University. During the savings and loan crisis he served as Deputy Chief Economist at the Federal Home Loan Bank Board. After leaving the Bank Board he became President and CEO of a savings and loan in California, and later became a Senior Research Scholar at Stanford University’s Center for Economic Policy Research. He has consulted widely on issues involving the regulation, management, and strategic planning for financial institutions, and as an expert witness in litigation involving financial firms.
He has published five books and numerous academic articles on aspects of financial crises and regulation, and has testified before Congress twelve times. He is currently writing a book that examines the unifying causes of the savings and loan and banking crises in the U.S. in the early 1980s and the early 1990s, the most recent U.S. financial crisis, and the financial crisis in Europe. It is entitled The Causes and Remedies of Modern Systemic Financial Crises: From the Savings and Loan Crisis of the 1980’s to the U.S. and European Crises of the Early 21st Century.
David Crowe, Ph.D.
David Crowe is Chief Economist and Senior Vice President at the National Association of Home Builders (NAHB). Dr. Crowe is responsible for NAHB’s forecast of housing and economic trends, survey research and analysis of the home building industry and consumer preferences, as well as microeconomic analysis of government policies that affect housing. Dr. Crowe is also responsible for the development and implementation of an innovative model of the local economic impact and fiscal cost of new home construction, which has estimated the net impact of new housing in over 500 local markets.
Before becoming NAHB’s Chief Economist, Dr. Crowe was NAHB’s Senior Vice President for Regulatory and Housing Policy. Prior to NAHB, Dr. Crowe was Deputy Director of the Division of Housing and Demographic Analysis at the U.S. Department of Housing and Urban Development.
He has served on federal advisory committees to the Census Bureau and to the U.S. Department of Housing and Urban Development.
Dr. Crowe holds a PhD in Economics from the University of Kentucky.
Dowell Myers, Ph.D.
Dowell Myers is a professor of policy, planning, and demography in the Sol Price School of Public Policy at the University of Southern California, where he also directs the Population Dynamics Research Group. Myers holds his Ph.D. from MIT, a Master of City Planning from UC-Berkeley, and a BA from Columbia University in anthropology.
Professor Myers is one of a handful of specialists in housing demography. His work has focused on the lifetime trajectories of the baby boomer generation and on the dynamics of immigrant newcomers who are assimilating into the housing market. Myers’s 2007 book, Immigrants and Boomers: Forging a New Social Contract for the Future of America, emphasized how immigrants, in fact, would become buyers for baby boomer sellers. A 2013 study for the Mortgage Bankers Association (conducted with John Pitkin) estimated immigrant contributions to the housing market in each of the 50 states. Reports and other information can be found on the PopDynamics website: http://www.usc.edu/schools/price/research/popdynamics/.
Frank E. Nothaft, Ph.D.
Frank E. Nothaft was appointed to the position of chief economist at Freddie Mac in December 2001. In this position, Nothaft is responsible for forecasts, research and analysis of the macroeconomy, housing and mortgage markets. A widely quoted expert on housing and economic issues, Nothaft makes frequent appearances in both local and national media outlets. Nothaft joined Freddie Mac as a senior economist in November 1986. Nothaft was an economist with the Board of Governors of the Federal Reserve System from 1983 until 1986, where he served in the mortgage and consumer finance section and as assistant to Governor Henry C. Wallich.
Nothaft holds a Ph.D. in economics from Columbia University and a B.A. cum laude in mathematics and computer science from New York University. Nothaft is a past president of the American Real Estate and Urban Economics Association and a past Board member of the Financial Management Association. He currently serves on the Advisory Board of the Real Estate Research Institute and as Chair of the Real Estate Roundtable for the National Association for Business Economics.
Joel Singer is Chief Executive Officer of the CALIFORNIA ASSOCIATION OF REALTORS
â (C.A.R.). He also is president and chief executive officer of zipLogix. Singer has held C.A.R.'s top staff position since 1989. He previously served as C.A.R.’s Chief Economist and headed the Association's Public Affairs Department.
Before joining C.A.R., Singer spent several years as a Chancellor's Intern Fellow at UCLA and a Fulbright Fellow in West Germany.
John Tucillo, Ph.D.
Dr. John Tuccillo is Florida REALTORS®’ chief economist. As chief economist, he oversees the Industry Data and Analysis department, which provides real estate statistics, trends and research that helps REALTOR® members better their business and positions Florida REALTORS® as the voice for real estate in Florida.
Lawrence Yun, Ph.D.
Lawrence Yun is Chief Economist and Senior Vice President of Research at the NATIONAL ASSOCIATION OF REALTORS â(NAR). He directs research activity for the association and regularly provides commentary on real estate market trends for its one million REALTOR â members. Dr. Yun creates NAR’s forecasts and participates in many economic forecasting panels, including Blue Chip and the Harvard University Industrial Economist Council. He appears regularly on financial news outlets, is a frequent speaker at real estate conferences throughout the United States, and has testified before Congress. USA Today in 2008 listed him among the top 10 economic forecasters in the country and he has been named among the 100 Most Influential Real Estate Leaders by INMAN News.
Dr. Yun received his undergraduate degree from PurdueUniversity and earned his Ph.D. from the University of Maryland at College Park .
Dr. Mark Palim is Vice President of Applied Economic and Housing Research at Fannie Mae. He is responsible for overseeing the Economic and Strategic Research Group’s forecasting functions and manages multidisciplinary partnerships across the company to address specific business issues facing Fannie Mae. Dr. Palim is a key spokesperson on economic and banking trends and a frequent speaker at national mortgage finance and housing industry events.
Prior to working at Fannie Mae, Dr. Palim was an economic consultant for PricewaterhouseCoopers and for LECG. He led a team of 75 adjudicators charged with valuing claims for the Department of Justic and the Special Master administering the Federal September 11th Victim Compensation Fund.
Dr. Palim was first involved with economic forecasting and mortgage securities in 1988 as portfolio manager and also reported to the Chief Economist at mercantile Safe Deposit and Trust Company. Subsequently, he continued his work on macroeconomic and policy issues as a staff economist for the National Associaiton of Federal Credit Unions.
Dr. Palim has a Ph.D. in economics from George mason University and a B.A. in international studies fro mJohns Hopkins University. In additional to his academic training, Dr. Palim is a Chartered Financial analyst carter holder.
Mark Vitner is a managing director and senior economist at Wells Fargo, responsible for tracking U.S. and regional economic trends. He also writes for the company’s Monthly Economic Outlook report, the Weekly Economic & Financial Commentary, and provides regular updates on the housing markets, commercial real estate, regional economies, and inflation. Mark joined Wachovia (then First Union) in 1993. Before that, he spent nine years as an economist for Barnett Banks in Jacksonville, Fla.
Mark’s commentary has been featured in the New York Times, Wall Street Journal, Bloomberg, and many other publications.
Originally from Atlanta, Mark earned his B.B.A. in economics from the University of Georgia, an M.B.A. from the University of North Florida, and has completed further graduate work in economics at the University of Florida. He also completed the National Association of Business Economics (NABE) Advanced Training in Economics program at Carnegie Mellon University.
Mark is a member of the National Association of Business Economists and co-founded its Charlotte chapter, The Charlotte Economics Club. He serves as a distinguished lecturer and practitioner at the University of Georgia. He is also a member of the American Economic Association, the American Real Estate and Urban Economics Association, and the Charlotte Chapter of the Association for Corporate Growth. Mark currently chairs the economic advisory committee for the Bond Dealers of America. In addition, Mark serves as the chief economist for the North Carolina CCIM (Certified Commercial Investment Member). He is a member of the Blue Chip Economic forecasting panel and was recently named one of the 2009 North Carolina Power Players, 50 most powerful people in business, by Business Leader magazine. Mark currently serves on the Joint Advisory Board of Economists for the Commonwealth of Virginia.
Patrick Veling is a REALTOR and founder of Real Data Strategies, Inc. His Orange County firm is an industry leader on the application of MLS data to business planning and thought processes. RDS advises its real estate firm clients on recruiting, retention, mergers and acquisitions, expansions, consolidations and other strategic directions in their business, using data-driven intelligence.
Patrick is a professional communicator with a degree in radio and television, and experience as a news anchor and radio personality. He is a California licensed real estate broker who leveraged experience in media planning and broadcast reach and frequency studies to use MLS data to better understand efficiencies and inefficiencies in our industry. His thinking has set the standard for decision analysis for thousands of real estate brokerage firms, and a number of leading franchise and industry organizations.
Rafael Bostic, Ph.D.
Dr. Raphael Bostic is the Judith and John Bedrosian Chair in Governance and Public Enterprise at the Sol Price School of Public Policy at the University of Southern California. He arrived at USC in 2001. His work spans many fields including home ownership, housing finance, neighborhood change, and the role of institutions in shaping policy effectiveness. A particular emphasis has been on how the private, public, and non-profit sectors interact to influence household access to economic and social amenities. His work has appeared in the leading economic, public policy, and planning journals. He was Director of USC’s Master of Real Estate Development degree program and was the founding director of the Casden Real Estate Economics Forecast. Prior to that, he worked at the Federal Reserve Board of Governors, where his work on the Community Reinvestment Act earned him a Special Achievement Award. He was recently elected a Fellow of the National Academy of Public Administration, and serves on the board of a number of leading national and local housing and community development organizations.
Dr. Bostic served three years in the Obama Administration as the Assistant Secretary for Policy Development and Research at the U.S. Department of Housing and Urban Development.
He earned his Ph.D. in Economics from Stanford University and his BA from Harvard University.
Richard Green, Ph.D.
Richard K. Green, Ph.D., is the Director of the USC Lusk Center for Real Estate. He holds the Lusk Chair in Real Estate and is Professor in the School of Policy, Planning, and Development and the Marshall School of Business.
Prior to joining the USC faculty, Dr. Green spent four years as the Oliver T. Carr, Jr., Chair of Real Estate Finance at The George Washington University School of Business. He was Director of the Center for Washington Area Studies and the Center for Real Estate and Urban Studies at that institution. Dr. Green also taught real estate finance and economics courses for 12 years at the University of Wisconsin-Madison, where he was Wangard Faculty Scholar and Chair of Real Estate and Urban Land Economics. He also has been principal economist and director of financial strategy and policy analysis at Freddie Mac. More recently, he was a visiting professor of real estate at the University of Pennsylvania’s Wharton School. He is or has been involved with the Lincoln Institute of Land Policy, the Conference of Business Economists, the Center for Urban Land Economics Research, and the National Association of Industrial and Office Properties. Dr. Green also is a Weimer Fellow at the Homer Hoyt Institute, and a member of the faculty of the Selden Institute for Advanced Studies in Real Estate. He was recently President of the American Real Estate and Urban Economics Association.
Dr. Green earned his Ph.D. and M.S. in economics from the University of Wisconsin-Madison. He earned his A.B. in economics from Harvard University.
His research addresses housing markets, housing policy, tax policy, transportation, mortgage finance and urban growth. He is a member of two academic journal editorial boards, and a reviewer for several others. His work is published in a number of journals including the American Economic Review, Journal of Economic Perspectives, Journal of Real Estate Finance and Economics, Journal of Urban Economics, Land Economics, Regional Science and Urban Economics, Real Estate Economics, Housing Policy Debate, Journal of Housing Economics, and Urban Studies. His book with Stephen Malpezzi, A Primer on U.S. Housing Markets and Housing Policy, is used at universities throughout the country. His work has been cited or he has been quoted in the New York Times, The Wall Street Journal, The Washington Post, the Christian Science Monitor, the Los Angeles Times, Newsweek and the Economist, as well as other outlets. The National Association of REALTORS, the Ford Foundation, and the Lincoln Institute for Land Policy have funded grants to support some of Dr. Green’s research. He consults for the World Bank.
Robert Kleinhenz, Ph.D.
Dr. Kleinhenz directs the Kyser Center for Economic Research, which conducts research on the regional, state, and national economies. He has over 25 years of experience and expertise in the private and public sectors, academia, and working as a private consultant. Dr. Kleinhenz has spoken to local, state, and national audiences and is a frequent contributor to media coverage on the economy, including coverage in news outlets throughout California along with the Wall Street Journal, CNBC, Bloomberg News, and NPR.
Prior to joining the LAEDC, he served as Deputy Chief Economist at the California Association of REALTORS®. He also taught economics for over 15 years, most recently at California State University, Fullerton. He is a member of the National Association for Business Economics (Vice Chair, Regional Roundtable), the National Association for Business Economics, Los Angeles Chapter (Past President, Past Treasurer), and the Real Estate Research Council of Southern California (Current Executive Board Member and Treasurer).
Dr. Kleinhenz has a Bachelor’s degree from the University of Michigan, a Master’s degree and a Doctorate from the University of Southern California, all in Economics.
Prior to launching PropertyRadar, Sean successfully purchased and flipped more than 150 residential and commercial foreclosures. Leveraging 15 years in the software industry, Sean used technology as a key competitive advantage to build his successful real estate investment track record. Sean has always thrived in start-up environments, and as such, became a key contributor at Xing Technology (acquired by Real Networks), ISI/GlobalCenter (acquired by Global Crossing), and Icarian, Inc. (acquired by Workstream).
Stuart Gabriel, Ph.D.
Stuart A. Gabriel is Director of the Ziman Center for Real Estate at UCLA and is Arden Realty Chair and Professor of Finance at UCLA Anderson School of Management. His research focuses on topics of real estate finance and economics, housing and mortgage markets, urban and regional economics, and macroeconomics. He previously served on the economics staff of the Federal Reserve Board in Washington, D.C. and as a Visiting Scholar at the Federal Reserve Bank of San Francisco. Professor Gabriel has published 75 articles in economics and finance journals and serves on the editorial boards of seven academic journals. His recent research has focused on issues of housing and the financial crisis, including assessment of integration and contagion in US housing markets, Google search behavior as an indicator of housing distress, GSE crowd out in secondary mortgage markets, and the effects of CDO market implosion on mortgage pricing. Professor Gabriel is the recipient of a number of awards for research and teaching excellence. He has testified before the U.S. Congress and the California State Legislature and has provided policy advice to elected officials at the local, state, and federal levels. Dr. Gabriel is a past President of the American Real Estate and Urban Economics Association and a Fellow of the Homer Hoyt Institute for Advanced Real Estate Studies. Professor Gabriel serves on the Boards of Directors of KBS REITs and is a consultant to numerous corporate and governmental entities. He holds a Ph.D. in Economics from the University of California, Berkeley.