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Remarks as Prepared for Delivery
EMBARGOED UNTIL 9:00 A.M U.S. Eastern Time,
Thursday, August 31, 2023 – OR UPON DELIVERY

“Creating An Economy
That Works for All:
Remarks at the Bunker Hill Community
College 2023 Convocation”
Susan M. Collins
President & Chief Executive Officer
Federal Reserve Bank of Boston

August 31, 2023

The views expressed today are my own, not necessarily those of my colleagues on the
Federal Reserve Board of Governors or the Federal Open Market Committee.

Key Takeaways
1. To build a vibrant, inclusive economy, we need the best ideas, energy, and participation
from everyone. Community colleges play a critical role in this important work by providing
affordable, accessible higher education and essential skill development – ultimately
strengthening our economy and society.
2. Collins said we can and should do much more to discover and nurture the potential in
people with a range of experiences and backgrounds – including individuals who may be
the first in their family to attend college and individuals who may look different in
appearance from those who’ve traditionally held particular roles.
3. Reflecting on her first 14 months as Boston Fed president, Collins said she’s been
impressed and encouraged by the leaders and residents she’s met who are working to
ensure everyone has a chance to participate and thrive in the economy. The Boston Fed
believes in the power of collaborative leadership to make local economies stronger and
more inclusive. The Bank knows from experience that tangible, practical, community-based
efforts serve to strengthen our region.
4. Collins commended community college students for having resilience, determination, and
the ability to overcome challenges. These traits, she added, give them the potential to be
highly capable contributors to economy. She also shared her appreciation for the faculty
and staff supporting those students.

Remarks as Prepared for Delivery
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It is truly a pleasure to join you this morning for the 2023 Bunker Hill
Convocation! It’s always wonderful to be among faculty and staff, and I am delighted to
know many students are here as well. I want to thank President Eddinger and Provost
Caniff for inviting me to be with you today.
The start to a new academic year is a very exciting time – and I know, also an
extremely busy one. Having spent most of my career in academia, your convocation
reminds me of so many starts to the academic year – initially as a student, then for
about 25 years as a faculty member, and for nearly another 15 as a university
administrator. I have many wonderful memories of meeting students; launching
programs; and welcoming, and welcoming back, faculty and staff – who are the
essential pillars in every higher education institution.
In my current role, I lead an institution that, like yours, has a public mission. At
the Federal Reserve, we work to foster a vibrant, inclusive economy – characterized by
our congressionally mandated goals of price stability and maximum employment – an
economy that works for everyone, not just for some people. However, we know that
economic outcomes for some people, some communities, and some places have
diverged – despite best efforts – and therefore, many have been unable to fully
participate in the economy. A healthy economy needs the best ideas, energy, and
participation from everyone – with the opportunity to work hard, contribute, and prosper.
In that context, I have a particular appreciation for the critical role that Bunker Hill
Community College plays in the greater Boston region. More broadly, I’m thinking
about the essential ways community colleges serve our educational system in New
England, and nationally. Simply put, community colleges are foundational to higher
education in this country. They enroll nearly half of all first-time undergraduate
students1 and provide an affordable, accessible opportunity for investing in essential
skills. Here at Bunker Hill, you are supporting students of all ages and backgrounds,

See “Community Colleges and Upward Mobility” by Jack Mountjoy, American Economic Review, Vol.
112, No. 8, Aug. 2022 (pp. 2580-2630): https://www.aeaweb.org/articles?id=10.1257/aer.20181756.
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Remarks as Prepared for Delivery
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many who are the first generation in their families to attend college.2 Your students are
wonderfully diverse, and you’ve earned the designation of a Hispanic-Serving
Institution, and an Asian American and Native American Pacific Islander-Serving
Institution, from the U.S. Department of Education. I want to express my admiration and
appreciation for all that you do to support and invest in your students. You are
strengthening our economy and our society.
In my remarks this morning, I’d like to talk about two things. First, I’ll briefly discuss
my own career trajectory, with a bit of reflection on lessons and takeaways that I hope
you will find helpful. Then I’d like to share my perspective on the importance of a
vibrant, inclusive economy and mention some of the ways we at the Fed, community
colleges like yours, and people across the region are working to achieve that goal. In
this discussion, I have a few key themes, including: the vital role of community colleges,
especially your work here at Bunker Hill. I’ll also touch on the importance of
partnerships and collaboration – since success in my work, and yours, requires all of us
working together. And finally, since this is a convocation beginning a new academic
year, I’ll offer a thought on beginning, persisting, and finishing.

My Own Path
I’d much prefer to talk about the work of the Boston Fed, or Bunker Hill
Community College, than about myself. But I am often asked how I got to be in this
role, and whether I have advice for others – especially since I am the first woman of
color to lead a Federal Reserve Bank. I see this as an honor, a privilege, and a
responsibility. So, I’ll share some brief reflections based on my own path.
Like many of your students, I have an international background. I was born in
Scotland to Jamaican parents, and raised in New York City with frequent visits to

See “Community Colleges and the Future of Higher Education” by Michael Patrick Rutter and Steven
Mintz in Inside Higher Ed (March 2019): https://www.insidehighered.com/blogs/higher-edgamma/community-colleges-and-future-higher-education.
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Remarks as Prepared for Delivery
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Jamaica. I see exposure to different cultures as something to joyfully embrace and
learn from – and a source of strength for navigating the inevitable challenges each of us
encounters.
My parents certainly passed on their love of learning, and I see myself as a
lifelong learner. I hope you see yourselves that way, too. While many things interested
me early on, I took courses in economics in college, and found it really appealed to me
– including a fascination with how analyzing data could help us understand the complex
economy. Studying economics in graduate school, my experiences visiting Jamaica
and other countries led me to specialize in the international aspects of
macroeconomics, with a focus on econometrics, or data analysis.
Like my father, I began my career in academia as a professor, engaged in
research and teaching, and becoming increasingly interested in using my expertise to
help improve public policies. I eventually moved to academic administration – as dean
of a public policy school, and then provost. Then fourteen months ago, I started in this
position, giving me the opportunity to use my background and experiences now as a
policymaker, serving the public interest.
I know many Bunker Hill students are the first in their families to attend college,
and recognize how helpful it was for me to have parents and other family members with
advanced degrees. Observing them made it easier for me to see myself as a
professional, possibly in a leadership position one day. But while my family saw my
potential, I can tell you that not everyone in society saw a small, very young-looking
black woman as likely to become an economist, a professor, a dean, a provost, or
president of a Federal Reserve Bank.
There is much more we can, and should, do to look for and nurture the potential
in people from all backgrounds, including – perhaps especially – people who look
different from those traditionally seen in particular roles. We should avoid making
assumptions about the capabilities and possibilities that lie behind mere appearance.
This mindset influenced my work as a faculty member, and is one factor that led me to
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Remarks as Prepared for Delivery
EMBARGOED UNTIL 9:00 A.M U.S. Eastern Time,
Thursday, August 31, 2023 – OR UPON DELIVERY

academic administration. It is also critical for the Fed – as I’ve said, a healthy economy
needs ideas, energy, and participation from everyone.
I also recognize that I’ve been blessed with considerable support throughout my
education and career. I’ve benefitted from having a family – parents, as well as a
husband and now adult children – who supported and encouraged me along the way. I
had instructors, advisors, and mentors too; and the best ones were those who
challenged me the most. I am very grateful to each of them.
But not everyone has that level of support, which makes the work you do here at
Bunker Hill all the more important. People like to talk about trailblazers opening doors,
but an image that resonates with me involves the responsibility, once through that door,
to hold it open for excellent, high-potential people. I want to congratulate and commend
you for opening doors – and holding them open – for your students.
This is a convocation, a gathering to mark a beginning of a new school year.
Beginnings are important, but I suspect you and your students are focused on the entire
journey – including its resolution. I’m reminded of the extraordinary Jamaican sprinter
Usain Bolt, who said “There are better starters than me, but I’m a strong finisher.” A
challenging start to a journey – whether a sprint or a career – does not determine the
outcome. What matters is staying the course and finishing. And to be clear, I do not
see the most important journeys in life as races. I wish you great success in your own
journeys as you support your students throughout this school year and beyond.

Creating a Vibrant, Inclusive Economy – Together
The Fed works to foster a vibrant, inclusive economy, and we do that in a much
wider range of ways than most people realize – monetary policy, economic research,
financial stability work and bank supervision, community and economic development
activities, and initiatives and infrastructure related to payments, technology, and finance.

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Remarks as Prepared for Delivery
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Today I want to mention a few aspects of the Boston Fed’s work that show the
breadth and depth of our efforts to support a strong economy characterized by equitable
opportunity.
The Boston Fed has a reputation for analytical rigor and analysis of current
economic data. This is absolutely vital for policy work – as is our long-term research on
a variety of empirical and theoretical topics. We hope our nonpartisan, unbiased
research is a public service. Of course, we study a range of topics related to credit,
employment, and inflation. But our work is much broader than that.
Unfortunately, we can see through our own research that not everyone has the
same opportunities to contribute to our economy – which limits its strength and
vibrancy. We are committed to doing our part to help address this challenge by
fostering inclusion. Key ways we do this are by examining factors that could limit
people participating in the economy going forward, and by collaborating with other
organizations.
As part of that work, the Boston Fed has a decades-long history of studying
wealth disparities for groups and places. We believe better understanding these gaps
can expand opportunities, making them more equitably available, help bring more
people into the workforce, and strengthen economic growth and competitiveness.
In this context, the Boston Fed recently launched a multi-year research initiative
to explore wealth disparities in Greater Boston and across Massachusetts. It’s a
complex issue, and we aren’t taking it on ourselves. Our community partners include
the Boston Foundation, the Barr Foundation, Eastern Bank Foundation, and the Greater
Boston Chamber of Commerce.3

See Federal Reserve Bank of Boston press release, “Federal Reserve Bank of Boston and community
partners launch research effort to explore wealth divides” (April 2022): https://www.bostonfed.org/newsand-events/press-releases/2022/boston-fed-and-community-partners-launch-research-effort-to-explorewealth-divides.aspx
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Remarks as Prepared for Delivery
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The initial priorities for this work include measuring family wealth and exploring
wealth differences between racial-ethnic groups and across geographies. We want to
better understand why certain disparities persist. We hope the findings will be used by
a broad group of public, private, and nonprofit organizations to develop solutions that
promote equity in wealth – which is a key foundation for greater economic opportunity.
I’d also briefly mention the Boston Fed’s work to support community economic
development, expanding opportunities for everyone to participate in the economy.
Since 2014, our staff have focused on encouraging local efforts to find economic
resurgence in smaller cities and rural areas facing long-term struggles. We call it
“Working Places.”4
This initiative, started in 2014, is based on research that showed that an essential
element of place-based economic resilience is cross-sector collaboration among local
individuals willing to take on shared leadership. Now in 30 communities across 5
states, teams of local leaders choose a shared goal for improving the economy that
benefits low-income people, and then develop and implement strategies to address
them. They focus on issues such as workforce development, poverty reduction,
affordable housing, and removing barriers to entrepreneurship. This initiative has helped
foster collaboration among state government, the private sector, philanthropy, local
organizations, and residents. The Fed hosts, convenes, and supports these efforts.
This ongoing work demonstrates our belief in the power of collaborative networks.
As I talk to people in all parts of our region, I hear that people really do want to
collaborate and work together to solve problems. Efforts large and small are essential,
and in combination they can make a real difference and build resilience. In this, I’m
reminded of the Kenyan proverb, that “Sticks in a bundle are unbreakable.”
I think about all the working people, leaders, and organizations I’ve visited with
over the 14 months I’ve been in this job. And in addition to being so impressed with

Learn more about the Federal Reserve Bank of Boston’s “Working Places” initiatives:
https://www.bostonfed.org/workingplaces.aspx
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Remarks as Prepared for Delivery
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what they are doing, I’m also incredibly encouraged that local, tangible efforts are
adding up to real strength in our region. I’d like to tell you about a few of them, and
hope you find them inspiring and motivating, as I do.
Often these efforts focus on the basic, practical things that get in the way of
participation in the job market and economy – whether skillsets and training, or reliable
and affordable childcare, or transportation, or the ability to find housing that’s affordable
in the vicinity of a job or school. It is important for us to celebrate these sorts of efforts,
learn from them, and build on them!
•

A first, obvious example would be right here – the way community colleges give
people options to affordably develop skills to lead better lives. I note in your
mission statement that “The College provides inclusive and affordable access to
higher education, supports the success of all students, and forges vibrant
partnerships and pathways...” And I know you work so hard to provide
“wraparound” services that help smooth the issues that may be getting in the way
of students continuing to progress. I also note the range of partnerships with
organizations you’ve built, to give your students options and opportunities. As
someone who thinks about the economy’s health all the time, I just want to thank
and commend you for that vital work.

•

Another example – another stick strengthening that bundle – is in Connecticut,
where East Hartford CONNects has launched a Professional Skills Academy with
the goal of connecting residents with local employers – in the words of their
director, trying to fill the gap between folks saying, “We need training,” and
employers saying, “We will hire anyone as long as they’re career-ready.” A
related effort recruits underrepresented groups into manufacturing with training,
and stipends that make it possible for people to take time for that training.

•

Other examples touch on the critical economic issue of child care, which gives
options to parents who want or need to participate in the workforce. To that end,

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Remarks as Prepared for Delivery
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Leaders for Equitable Local Economies5 is an outgrowth of our Working Places
effort, and in Fitchburg, the team has implemented a bilingual child care
entrepreneur training program to help support individuals in opening up their own
small businesses in childcare. The program has 80 graduates and started its fifth
cohort this month! Similarly, the Waterbury, Connecticut Working Places team
has provided training for residents looking to open licensed, home-based child
care facilities. So far, 15 new facilities have opened.
There are so many other examples I could mention, from longstanding initiatives
such as the public-private partnership facilitated by the Boston Private Industry Council
for the Boston Fed and many other employers to hire summer interns from Boston
Public Schools, to very recent ones such as the Boston Fed’s Economic Research
Immersion pilot program this past summer for a small number of community college
students – most from here at Bunker Hill.6 As I go around the region and meet with the
wide range of the Fed’s stakeholders, people I talk to cite many challenges in our
economy in New England, and also many strengths and opportunities. I find these
stories of people and organizations making a difference to be inspiring and so gratifying.
What you do, what your students do, what we at the Boston Fed are doing, and
what people are doing across New England are all part of making our economy resilient,
vibrant, and inclusive. Efforts like these are adding to that Kenyan proverb’s bundle and
helping to make it unbreakable.

Concluding Observations
In conclusion, I’ll just say that it is so essential that all in society have
opportunities to enhance skills. You may have heard the saying, likely around for a long

Learn more about the “Leaders for Equitable Local Economies” efforts at:
https://www.bostonfed.org/workingplaces/leaders-for-equitable-local-economies.aspx
6 See “Boston Fed Program Aims to Attract Diverse Students to Careers in Economics” by Amanda
Blanco, Federal Reserve Bank of Boston (Aug. 2023): https://www.bostonfed.org/news-andevents/news/2023/08/boston-fed-program-aims-to-attract-diverse-students-to-careers-in-economics.aspx
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time and cited by F.D.R., that smooth seas do not make for skilled sailors. One thing I
love and respect about community college students is that they set an example in
contending with challenges. While no one would wish hardships on a person, there is
no doubt that your students have built capability, resilience, grit, and the ability to
manage many challenges. This gives them the potential to be some of our economy’s
most capable contributors. We all do well to recognize that in them!
However, let’s think about that analogy of rough seas. Surviving them can be full
of amazing lessons – but let’s be honest: on the sea or in life, an instructor, guide,
mentor, and supporter can turn a harrowing, possibly disastrous challenge into a
formative one. That’s what you do for your students here at BHCC. For that,
congratulations. Best wishes for a great year ahead. And thank you for all you do.

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