Amy Crews Cutts

AC Cutts and Associates, President and Chief Economist

Dr. Amy Crews Cutts is a recognized credit market expert and brings to her role over 25 years of economic analysis and policy development experience.A passionate advocate for expanding consumer access to low-costnon predatory credit, she is a noted expert in credit reporting,consumer and small business credit markets, loan servicing,fair lending, residential real estate including home equity and price indices,and trends in employment and compensation.A polished and engaging presenter, Cutts is a sought-after speaker and panelist.Often quoted in national print and broadcast media,she 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 drivers of strategic mortgage default. In 2015 she won the Pulsenomics® Crystal Ball Award for Outstanding Performance in The Zillow® HomePrice Expectations Survey for her forecast accuracy and is a participant in theWall StreetJournal’sMonthly Survey of Leading Economists. Cutts holds a Master of Arts and Doctor of Philosophy in Economics from the University ofVirginia and a Bachelor of Science degree in Applied Mathematics from Trinity University in SanAntonio, TX. In 2015 she became a Certified Business Economist®, a distinction of professional achievement from the National Association for Business Economics.From 2011 to 2018 she was theSVP-Chief Economist for Equifax, a global information and analytics company. Prior to joining Equifax, Cutts held several roles at Freddie Mac over 13years; the last eight years as the as the Deputy Chief Economist. She has held academic appointments at the Maxwell School for Citizenship and Public Affairs at Syracuse University,the McDonough School of Business at Georgetown University, the Institute for Policy Studies at the Johns Hopkins University, and the University of Virginia