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EMBARGOED UNTIL 5:30 P.M U.S. Eastern Time, Wednesday, October 9, 2024 – OR UPON DELIVERY Observations on the Economy, and the Vibrancy of Smaller Cities Remarks at the Worcester Regional Research Bureau’s 39th Annual Meeting Susan M Collins President & Chief Executive Officer Federal Reserve Bank of Boston October 9, 2024 Worcester, Massachusetts Federal Reserve Bank of Boston | bostonfed.org Worcester, October 9, 2024 2 Federal Reserve Bank of Boston | bostonfed.org Worcester, October 9, 2024 3 Federal Reserve Bank of Boston | bostonfed.org Worcester, October 9, 2024 4 Federal Reserve Bank of Boston | bostonfed.org Worcester, October 9, 2024 5 Federal Reserve Bank of Boston | bostonfed.org Worcester, October 9, 2024 6 Federal Reserve Bank of Boston | bostonfed.org Worcester, October 9, 2024 7 Federal Reserve Bank of Boston | bostonfed.org Worcester, October 9, 2024 8 Federal Reserve Bank of Boston | bostonfed.org Worcester, October 9, 2024 9 Federal Reserve Bank of Boston | bostonfed.org Worcester, October 9, 2024 10 Federal Reserve Bank of Boston | bostonfed.org Worcester, October 9, 2024 11 Federal Reserve Bank of Boston | bostonfed.org Worcester, October 9, 2024 12 Figure 12: In the Region Federal Reserve Bank of Boston | bostonfed.org Worcester, October 9, 2024 13