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Meet the Researchers
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Traci L. Mach
Principal Economist
Flow of Funds Section
Research and Statistics
[email protected]
Education
Ph.D., Economics, Ohio State University, 2000
B.A., Business & Economics and German, Cornell College, 1994
Labor Economics
Data Collection and Estimation Methodology
Banking and Financial Institutions
Current Research Topics
Small Business Finance
Professional Experience
Research
Principal Economist
Board of Governors of the Federal Reserve System
2015 - present
Senior Economist
Board of Governors of the Federal Reserve System
2012 - 2015
Economist
Board of Governors of the Federal Reserve System
2003 - 2012
Assistant Professor
University at Albany - SUNY
2000 - 2003
Economic Restrictions during the COVID-19 Pandemic and Measures of Small Business Health
Tim Dore and Traci Mach
FEDS Notes (2022)
https://doi.org/10.17016/2380-7172.3051
Marketplace lending and consumer credit outcomes: evidence from prosper
Timothy Dore and Traci Mach
Applied Economics (2022)
https://doi.org/10.1080/00036846.2021.1962514
See also » FRB Working Paper (2019)
Recent Trends in Small Business Lending and the Community Reinvestment Act
Tim Dore and Traci Mach
FEDS Notes (2018)
https://doi.org/10.17016/2380-7172.2122
The Impact of the Small Business Lending Fund on Community Bank Lending to Small Businesses
Dean Amel and Traci Mach
Economic Notes (2017)
https://doi.org/10.1111/ecno.12081
See also » FRB Working Paper (2014)
To Lend or Not to Lend: Exploring the Early Days of Peer-to-Peer Lending to Small Businesses
Traci L. Mach, Courtney M. Carter, and Cailin R. Slattery
Strategic Approaches to Successful Crowdfunding (2015)
https://doi.org/10.4018/978-1-4666-9604-4.ch003
Drowning or Weathering the Storm? Changes in Family Finances from 2007 to 2009
Jesse Bricker, Brian K. Bucks, Arthur Kennickell, Traci L. Mach, and Kevin Moore
Measuring Wealth and Financial Intermediation and Their Links to the Real Economy (2015)
Business to Business Credit to Small Firms
Traci L. Mach
Finance and Economics Discussion Series (2014)
https://doi.org/10.17016/FEDS.2014.55
Peer-to-Peer Lending to Small Businesses
Traci L. Mach, Courtney M. Carter, and Cailin R. Slattery
Finance and Economics Discussion Series (2014)
https://doi.org/10.17016/FEDS.2014.10
The Role of Credit Access in Firm Sustainability: A Comparison of the 1998 and 2003 Surveys of Small Business Finances
Traci L. Mach
International Review of Entrepreneurship (2014)
The Financial Crisis from the Family's Perspective: Evidence from the 2007-2009 SCF Panel
Jesse Bricker, Brian Bucks, Arthur Kennickell, Traci Mach, and Kevin Moore
Journal of Consumer Affairs (2012)
https://doi.org/10.1111/j.1745-6606.2012.01243.x
Examining the Impact of Credit Access on Small Firm Survivability
Traci L. Mach and John D. Wolken
Small Businesses in the Aftermath of the Crisis: International Analyses and Policies (2012)
https://doi.org/10.1007/978-3-7908-2852-8_10
See also » FRB Working Paper (2012)
Surveying the Aftermath of the Storm: Changes in Family Finances from 2007 to 2009
Jesse Bricker, Brian Bucks, Arthur B. Kennickell, Traci L. Mach, and Kevin B. Moore
Finance and Economics Discussion Series (2011)
https://doi.org/10.17016/FEDS.2011.17
Changes in U.S. Family Finances from 2004 to 2007: Evidence from the Survey of Consumer Finances
Brian K. Bucks, Arthur B. Kennickell, Traci L. Mach, and Kevin B. Moore
Federal Reserve Bulletin (2009)
https://doi.org/10.17016/bulletin.2009.95-2
The Use of Alternative Employment Arrangements by Small Businesses: Evidence from the 2003 Survey of Small Business Finances
Traci L. Mach and John A. Holmes
Finance and Economics Discussion Series (2008)
https://doi.org/10.17016/FEDS.2008.45
Starting Small and Ending Big -- The Effect of Monetary Incentives on Response Rates in the 2003 Survey of Small Business Finances: An Observational Experiment
Traci L. Mach, Lieu N. Hazelwood, and John D. Wolken
Finance and Economics Discussion Series (2008)
https://doi.org/10.17016/FEDS.2008.26
Alternative Methods of Unit Nonresponse Weighting Adjustments: An Application from the 2003 Survey of Small Business Finances
Lieu N. Hazelwood, Traci L. Mach, and John D. Wolken
Finance and Economics Discussion Series (2007)
https://doi.org/10.17016/FEDS.2007.10
Determining Subsampling Rates for Nonrespondents
Janella Chapline, Traci L. Mach, John D. Wolken, and Rachel Harter
Proceedings of the Third International Conference of Establishment Surveys (2007)
Financial Services Used by Small Businesses: Evidence from the 2003 Survey of Small Business Finances
Traci L. Mach and John D. Wolken
Federal Reserve Bulletin (2006)
https://doi.org/10.17016/bulletin.2006.92-10
Performance Pay and Fringe Benefits: Work Incentives or Compensating Wage Differentials?
Catalina Amuedo-Dorantes and Traci Mach
International Journal of Manpower (2003)
https://doi.org/10.1108/01437720310496157
The Impact of Families on Juvenile Substance Use
Catalina Amuedo-Dorantes and Traci Mach
Journal of Bioeconomics (2002)
A Cross-Cohort Examination of Nonmarital Teenage Childbearing
Traci Mach
Department of economics discussion papers (State University of New York at Albany) (2002)
The Role of Access to Childcare in the Successful Transitions from Welfare to Work
Traci Mach and Patricia Reagan
Department of economics discussion papers (State University of New York at Albany) (2002)
Determinants of AFDC Caseloads: How Have Exit and Take-Up Rates Been Affected by Welfare Reform?
Traci Mach
Department of economics discussion papers (State University of New York at Albany) (2000)
Measuring the Impact of Family Caps on Childbearing Decisions
Traci Mach
Department of economics discussion papers (State University of New York at Albany) (2000)
The Welfare Magnate Debate Revisited in the Context of Welfare Reform
Traci Mach
Department of economics discussion papers (State University of New York at Albany) (2000)
It's Not How Much You Spend, It's How You Spend It: Preventing Juvenile Crime And Delinquency Through Innovative School Programs
Traci Mach and Catalina Amuedo-Dorantes
Department of economics discussion papers (State University of New York at Albany) (2000)
Three Essays on Welfare Reform
Traci Lynn Mach
Ohio State University (2000)
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Last Update:
February 26, 2026
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