Daniel K. Maloney

Research and Analysis

Our research informs the public and policymakers by examining economic issues of importance to those in our local communities, across the nation, and around the world.
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  We publish research and analyses to keep audiences informed of economic trends in our region and nationwide. View latest releases or explore our archive.
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  Visit our Center for Inflation Research for all things inflation—from general information on how inflation works and why it matters to the latest data and analysis on current inflationary trends.

Region and Community

We represent and gather information from the Fourth Federal Reserve District, spanning Ohio and parts of Pennsylvania, West Virginia, and Kentucky. These resources are useful for our region, the communities we serve, and communities across the United States.
- Our region
  
  Learn about our work to advance understanding of economic trends affecting the Fourth District.
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  The Cleveland Fed offers numerous resources to promote economic opportunity for residents across our region and the US.
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Education

Learn economic basics, dive into inflation, and get educational resources and games for yourself or to share with others.
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  Visit us to learn more about our history and our ongoing work to promote financial literacy throughout our region.
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- Financial Literacy Curriculum
  Learn more about resources supporting required high school financial literacy courses.

Banking and Payments

We supervise financial institutions, support American consumers’ financial security, and maintain the financial stability and payment systems for the US Treasury.
- Banking research and tools
  
  The Cleveland Fed provides a range of tools for tracking trends in the lending environment.
- For consumers
  
  Learn about the resources we offer to help people in the community navigate the financial system.
- For financial institutions
  
  Understand the various requirements for Fed-chartered financial institutions and discover the range of services available to them—from cash services and reserve balance data to the discount window.
- Supporting the financial system
  
  Find out how the Cleveland Fed supervises member banks to ensure financial-system stability and support the US Treasury.

About Us

We serve the American people as part of the US central bank. We support the US economy and our region by studying economic conditions and issues that impact our communities, serving financial institutions, and providing economic education and resources for all.
- Our leadership
  
  Meet the individuals leading our mission, including the president and executive leadership team, advisory council members, and the boards of directors of each Cleveland Fed branch.
- Our work in the community
  
  Community outreach is central to the Fed’s mission. Find out about new programs, upcoming events, and other ways to connect with us.
- Who we are
  
  The Fed does far more than inform monetary policy. Learn about the mission, structure, and role of our organization, both regionally and nationally.
- We have a long-standing commitment to diversity, equity, inclusion, and opportunity for our employees and the communities we serve.

Person

Daniel K. Maloney is a contributing author and former employee of the Federal Reserve Bank of Cleveland.

Economic Commentaries

Economic Commentary

The Evolving Role of the Federal Home Loan Banks in Mortgage Markets

Daniel K. Maloney James B. Thomson

06.01.2003 | EC 6/1/2003

The Federal Home Loan Banks are part of a system created by the federal government to promote home ownership.

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Inflation

National economy

Regional and community

Research teams

Publications

Events

Our region

Our communities

Events

By topic

What’s new?

Financial Literacy and Career Readiness

Visits and tours

Banking research and tools

For consumers

For financial institutions

Supporting the financial system

Our leadership

Our work in the community

Who we are

Daniel K. Maloney

Contributing Author

Economic Commentaries

The Evolving Role of the Federal Home Loan Banks in Mortgage Markets

Federal Reserve Bank of Cleveland

Cleveland office

Cincinnati office

Pittsburgh office

CLEVELAND FED DIGEST

Get answers to inflation questions

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Indicators and Data

Inflation

National economy

Regional and community

Research and Analysis

Research teams

Publications

Events

Region and Community

Our region

Our communities

Events

By topic

Education

What’s new?

Financial Literacy and Career Readiness

Visits and tours

Banking and Payments

Banking research and tools

For consumers

For financial institutions

Supporting the financial system

About Us

Our leadership

Our work in the community

Who we are

Daniel K. Maloney

Contributing Author

Bank Publications

Economic Commentaries

Speeches

Interviews

Federal Reserve Bank of Cleveland

CLEVELAND FED DIGEST

Get answers to inflation questions