Consumer credit, mortgage markets, financial services
Michael Gedal is a community affairs specialist. He researches trends in household credit use and directs the Bank’s outreach on consumer lending issues. Michael holds a Ph.D. in public policy from New York University.
Before joining the Bank, Michael was a fellow at NYU’s Furman Center for Real Estate and Urban Policy, where he studied local economic and community development issues, including patterns of mortgage default in New York City. Prior to that, he worked as an economic consultant. More recently, Michael taught microeconomics at NYU’s Wagner School of Public Service.