Michael Neal is a senior research associate in the Housing Finance Policy Center at the Urban Institute. Previously, Michael worked at Fannie Mae where he was a director of economics in the Economic and Strategic Research division. Prior to his service at Fannie, Michael was the assistant vice president at the National Association of Home Builder's Economic and Housing Policy department. As a housing economist, Michael has an in-depth knowledge of housing market trends and has provided expert analysis and commentary on housing to media outlets around the country. Previously, Michael worked at the Congress’ Joint Economic Committee, within the Federal Reserve System, the Congressional Budget Office, and at Goldman Sachs. Michael has a master's in public administration degree from the University of Pennsylvania and a bachelor's degree in economics from Morehouse College.