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        <title>FRB: Governor Duke: Speeches and Testimony</title>
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        <description>Speeches and Testimony of Governor Elizabeth A. Duke</description> 
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<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20130509a.htm">
<title>Duke, A View from the Federal Reserve Board: The Mortgage Market and Housing Conditions</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20130509a.htm</link>
<description>Speech at the Housing Policy Executive Council, Washington, D.C.</description> 
<dc:date>2013-05-09T15:15:00-04:00</dc:date> 
<dcterms:audience>Housing Policy Executive Council</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>A View from the Federal Reserve Board: The Mortgage Market and Housing Conditions</cb:simpleTitle> 
  <cb:occurrenceDate>2013-05-09T15:15:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>Housing Policy Executive Council</cb:venue>
    <cb:locationAsWritten>Washington, D.C.</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>DC</cb:locationState>
    <cb:locationCity>Washington</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20130308a.htm">
<title>Duke, Comments on Housing and Mortgage Markets</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20130308a.htm</link>
<description>Speech at the Mortgage Bankers Association Mid-Winter Housing Finance Conference, Avon, Colorado</description> 
<dc:date>2013-03-08T20:00:00-05:00</dc:date> 
<dcterms:audience>Mortgage Bankers Association Mid-Winter Housing Finance Conference</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>Comments on Housing and Mortgage Markets</cb:simpleTitle> 
  <cb:occurrenceDate>2013-03-08T18:00:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>Mortgage Bankers Association Mid-Winter Housing Finance Conference</cb:venue>
    <cb:locationAsWritten>Avon, Colorado</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>CO</cb:locationState>
    <cb:locationCity>Avon</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20130205a.htm">
<title>Duke, The Future of Community Banking</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20130205a.htm</link>
<description>Speech at the Southeastern Bank Management and Directors Conference, University of Georgia, Terry College of Business, Duluth, Georgia</description> 
<dc:date>2013-02-05T08:30:00-05:00</dc:date> 
<dcterms:audience>Southeastern Bank Management and Directors Conference, University of Georgia, Terry College of Business</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>The Future of Community Banking</cb:simpleTitle> 
  <cb:occurrenceDate>2013-02-05T08:30:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>Southeastern Bank Management and Directors Conference, University of Georgia, Terry College of Business</cb:venue>
    <cb:locationAsWritten>Duluth, Georgia</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>GA</cb:locationState>
    <cb:locationCity>Duluth</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20121109a.htm">
<title>Duke. Community Banks and Mortgage Lending</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20121109a.htm</link>
<description>Speech at the Community Bankers Symposium, Chicago, Illinois</description> 
<dc:date>2012-11-09T10:30:00-05:00</dc:date> 
<dcterms:audience>Community Bankers Symposium</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>Community Banks and Mortgage Lending</cb:simpleTitle> 
  <cb:occurrenceDate>2012-11-09T09:30:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>Community Bankers Symposium</cb:venue>
    <cb:locationAsWritten>Chicago, Illinois</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>IL</cb:locationState>
    <cb:locationCity>Chicago</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20121005a.htm">
<title>Duke, Addressing Long-Term Vacant Properties to Support Neighborhood Stabilization</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20121005a.htm</link>
<description>Speech at the At the Federal Reserve Bank of New York, New York, New York</description> 
<dc:date>2012-10-05T13:00:00-04:00</dc:date> 
<dcterms:audience>At the Federal Reserve Bank of New York</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>Addressing Long-Term Vacant Properties to Support Neighborhood Stabilization</cb:simpleTitle> 
  <cb:occurrenceDate>2012-10-05T13:00:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>At the Federal Reserve Bank of New York</cb:venue>
    <cb:locationAsWritten>New York, New York</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>NY</cb:locationState>
    <cb:locationCity>New York</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20120720a.htm">
<title>Duke, Central Bank Cooperation in Times of Crisis</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20120720a.htm</link>
<description>Speech at the Center for Latin American Monetary Studies 60th Anniversary Conference, Mexico City, Mexico</description> 
<dc:date>2012-07-20T10:00:00-04:00</dc:date> 
<dcterms:audience>Center for Latin American Monetary Studies 60th Anniversary Conference</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>Central Bank Cooperation in Times of Crisis</cb:simpleTitle> 
  <cb:occurrenceDate>2012-07-20T09:00:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>Center for Latin American Monetary Studies 60th Anniversary Conference</cb:venue>
    <cb:locationAsWritten>Mexico City, Mexico</cb:locationAsWritten>
    <cb:locationCountry>MX</cb:locationCountry>
     
    <cb:locationCity>Mexico City</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20120515a.htm">
<title>Duke, Prescriptions for Housing Recovery</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20120515a.htm</link>
<description>Speech at the National Association of Realtors Midyear Legislative Meetings and Trade Expo, Washington, D.C.</description> 
<dc:date>2012-05-15T09:30:00-04:00</dc:date> 
<dcterms:audience>National Association of Realtors Midyear Legislative Meetings and Trade Expo</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>Prescriptions for Housing Recovery</cb:simpleTitle> 
  <cb:occurrenceDate>2012-05-15T09:30:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>National Association of Realtors Midyear Legislative Meetings and Trade Expo</cb:venue>
    <cb:locationAsWritten>Washington, D.C.</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>DC</cb:locationState>
    <cb:locationCity>Washington</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20120327a.htm">
<title>Duke, Building Sustainable Communities</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20120327a.htm</link>
<description>Speech at the 2012 National Interagency Community Reinvestment Conference (via videoconference), Seattle, Washington</description> 
<dc:date>2012-03-27T15:45:00-04:00</dc:date> 
<dcterms:audience>2012 National Interagency Community Reinvestment Conference (via videoconference)</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>Building Sustainable Communities</cb:simpleTitle> 
  <cb:occurrenceDate>2012-03-27T12:45:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>2012 National Interagency Community Reinvestment Conference (via videoconference)</cb:venue>
    <cb:locationAsWritten>Seattle, Washington</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>WA</cb:locationState>
    <cb:locationCity>Seattle</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/testimony/duke20120228a.htm">
<title>Duke, The Housing Market</title>
<link>http://www.federalreserve.gov/newsevents/testimony/duke20120228a.htm</link>
<description>Testimony before the Committee on Banking, Housing, and Urban Affairs, U.S. Senate, Washington, D.C.</description> 
<dc:date>2012-02-28T08:15:00-05:00</dc:date> 
<dcterms:audience>Committee on Banking, Housing, and Urban Affairs, U.S. Senate</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>The Housing Market</cb:simpleTitle> 
  <cb:occurrenceDate>2012-02-28T10:00:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>Committee on Banking, Housing, and Urban Affairs, U.S. Senate</cb:venue>
    <cb:locationAsWritten>Washington, D.C.</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>DC</cb:locationState>
    <cb:locationCity>Washington</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20120116a.htm">
<title>Duke, From Community Banker to Central Banker--My Journey</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20120116a.htm</link>
<description>Speech at the Robins School of Business, Robins Executive Speaker Series, University of Richmond, Richmond, Virginia</description> 
<dc:date>2012-01-16T18:00:00-05:00</dc:date> 
<dcterms:audience>Robins School of Business, Robins Executive Speaker Series, University of Richmond</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>From Community Banker to Central Banker--My Journey</cb:simpleTitle> 
  <cb:occurrenceDate>2012-01-16T18:00:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>Robins School of Business, Robins Executive Speaker Series, University of Richmond</cb:venue>
    <cb:locationAsWritten>Richmond, Virginia</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>VA</cb:locationState>
    <cb:locationCity>Richmond</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20120113a.htm">
<title>Duke, Opportunities to Reduce Regulatory Burden and Improve Credit Availability</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20120113a.htm</link>
<description>Speech at the 2012 Bank Presidents Seminar, California Bankers Association, Santa Barbara, California</description> 
<dc:date>2012-01-13T11:10:00-05:00</dc:date> 
<dcterms:audience>2012 Bank Presidents Seminar, California Bankers Association</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>Opportunities to Reduce Regulatory Burden and Improve Credit Availability</cb:simpleTitle> 
  <cb:occurrenceDate>2012-01-13T08:10:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>2012 Bank Presidents Seminar, California Bankers Association</cb:venue>
    <cb:locationAsWritten>Santa Barbara, California</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>CA</cb:locationState>
    <cb:locationCity>Santa Barbara</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20120106a.htm">
<title>Duke, Economic Developments, Risks to the Outlook, and Housing Market Policies</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20120106a.htm</link>
<description>Speech at the Virginia Bankers Association/Virginia Chamber of Commerce 2012 Financial Forecast, Richmond, Virginia</description> 
<dc:date>2012-01-06T12:40:00-05:00</dc:date> 
<dcterms:audience>Virginia Bankers Association/Virginia Chamber of Commerce 2012 Financial Forecast</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>Economic Developments, Risks to the Outlook, and Housing Market Policies</cb:simpleTitle> 
  <cb:occurrenceDate>2012-01-06T12:40:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>Virginia Bankers Association/Virginia Chamber of Commerce 2012 Financial Forecast</cb:venue>
    <cb:locationAsWritten>Richmond, Virginia</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>VA</cb:locationState>
    <cb:locationCity>Richmond</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20111022a.htm">
<title>Duke, The Federal Reserve System and Individual Financial Planning</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20111022a.htm</link>
<description>Speech at the 2011 Virginia Beach Financial Planning Day, Virginia Beach, Virginia</description> 
<dc:date>2011-10-22T10:00:00-04:00</dc:date> 
<dcterms:audience>2011 Virginia Beach Financial Planning Day</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>The Federal Reserve System and Individual Financial Planning</cb:simpleTitle> 
  <cb:occurrenceDate>2011-10-22T10:00:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>2011 Virginia Beach Financial Planning Day</cb:venue>
    <cb:locationAsWritten>Virginia Beach, Virginia</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>VA</cb:locationState>
    <cb:locationCity>Virginia Beach</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20110901a.htm">
<title>Rebalancing the Housing Market</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20110901a.htm</link>
<description>Speech at the Federal Reserve Board Policy Forum: "The Housing Market Going Forward: Lessons Learned from the Recent Crisis", Washington, D.C.</description> 
<dc:date>2011-09-01T12:00:00-04:00</dc:date> 
<dcterms:audience>Federal Reserve Board Policy Forum: "The Housing Market Going Forward: Lessons Learned from the Recent Crisis"</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>Rebalancing the Housing Market</cb:simpleTitle> 
  <cb:occurrenceDate>2011-09-01T12:00:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>Federal Reserve Board Policy Forum: "The Housing Market Going Forward: Lessons Learned from the Recent Crisis"</cb:venue>
    <cb:locationAsWritten>Washington, D.C.</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>DC</cb:locationState>
    <cb:locationCity>Washington</cb:locationCity>
</cb:speech>
</item>  




<item rdf:about="http://www.federalreserve.gov/newsevents/speech/duke20110524a.htm">
<title>Duke, Research, Policy, and the Future of Financial Education</title>
<link>http://www.federalreserve.gov/newsevents/speech/duke20110524a.htm</link>
<description>Speech at the Federal Reserve Bank of Boston, Boston, Massachusetts</description> 
<dc:date>2011-05-24T08:25:00-04:00</dc:date> 
<dcterms:audience>Federal Reserve Bank of Boston</dcterms:audience>
<cb:speech>
  <cb:simpleTitle>Research, Policy, and the Future of Financial Education</cb:simpleTitle> 
  <cb:occurrenceDate>2011-05-24T08:25:00</cb:occurrenceDate> 
  <cb:person type="speaker">
      <cb:givenName>Elizabeth</cb:givenName>
      <cb:surname>Duke</cb:surname>
      <cb:personalTitle>Ms.</cb:personalTitle>
      <cb:nameAsWritten>Elizabeth A. Duke</cb:nameAsWritten>
      <cb:role>
        <cb:jobTitle>Governor</cb:jobTitle>
        <cb:affiliation>Board of Governors of the Federal Reserve System</cb:affiliation>
      </cb:role>
  </cb:person> 
  <cb:venue>Federal Reserve Bank of Boston</cb:venue>
    <cb:locationAsWritten>Boston, Massachusetts</cb:locationAsWritten>
    <cb:locationCountry>US</cb:locationCountry>
    <cb:locationState>MA</cb:locationState>
    <cb:locationCity>Boston</cb:locationCity>
</cb:speech>
</item>  

</rdf:RDF>
