Lori A. Trawinski, Ph.D., CFP®

Director, Banking and Finance

Areas of Expertise

Mortgage lending, foreclosures, reverse mortgages, consumer debt, financial services, housing finance reform, securities, and banking

Lori Trawinski, AARP

Lori A. Trawinski, PhD, CFP


Lori Trawinski joined the AARP Public Policy Institute (PPI) in 2010 and is responsible for research and analysis of policy issues related to mortgage lending, foreclosures, reverse mortgages, housing finance reform, consumer debt, financial services, and banking. Lori helps lead and manage PPI’s Financial Security Team. She is also the project director of the Future of Work@50+, a multiyear PPI initiative that examines issues related to employment and that will develop innovative policy solutions to the challenges faced by older Americans. Lori frequently speaks to the press about financial management, foreclosures, reverse mortgages, and consumer debt issues.

Lori began her career as an economist at the US Department of Commerce Bureau of Economic Analysis, where she worked on estimation and analyses of international securities transactions in the balance of payments accounts. A bond market expert, she was vice president and director of research at The Bond Market Association. Lori was also director of debt market research at Freddie Mac. In addition, she has worked as a consultant for securitiesrelated issues and taught macroeconomics at Northern Virginia Community College. In her spare time, she performs as a professional stand-up comedian.

Lori holds a PhD in economics and finance, an MA in international economics, and a BA in financial management from The Catholic University of America in Washington, DC. In addition, she holds an executive certificate in financial planning from Georgetown University and Lori is a CERTIFIED FINANCIAL PLANNER™ professional. Lori currently serves on the board of directors of the Department of Commerce Federal Credit Union.

In Her Words

“‘The biggest takeaway,’ says co-author Lori Trawinski, ‘is that the reemployed were more likely to have searched more aggressively and more immediately after losing a previous job. Networking was key. Among the most effective action people had taken to get a job was to
contact employers directly and use personal contacts.’” (L. Trawinski, quoted in R. Harris, “For Older Workers, Good Jobs Still Elusive,” Boston Globe, March 30, 2015)

Selected Publications

L.Trawinski, "Disrupt Aging in the Workplace: Profiles in Intergenerational Diversity Leadership," AARP Public Policy Institute, Washington, DC, October 2016. 

G. Koenig, L. Trawinski, and S. Rix, “The Long Road Back: Struggling to Find Work after Unemployment,” AARP Public Policy Institute, Insight on the Issues 101 (March 2015).

L. Trawinski, “Assets and Debt across Generations: The Middle Class Balance Sheet 1989–2010,” AARP Public Policy Institute, Middle Class Security Project, Washington, DC, January 2013.

L. Trawinski, “Long Term Sustainability for Reverse Mortgages: HECM’s Impact on the Mutual Mortgage Insurance Fund,” written Senate Hearing Testimony, June 18, 2013.

L. Trawinski, “Nightmare on Main Street: Older Americans and the Mortgage Market Crisis.” Research Report, AARP Public Policy Institute, Washington, DC, July 2012.

L. Trawinski, “Oversight of the FHA Reverse Mortgage Program for Seniors,” written Congressional Hearing Testimony, May 9, 2012.

See all blogs by Lori Trawinski







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