Since taking the helm of HDF in 1994, Ms. Carty has grown its funding pools from $8.5 million to more than $93 million. Throughout her career she has established relationships with private lenders, government funding sources and corporate and foundation donors. In 1989, she served on the committee that developed the concept for the Housing Development Fund, known then as Stamford Development Fund. Ms. Carty holds her Bachelor's degree from the College of New Rochelle, an M.S. in urban affairs from Hunter College, and a J.D. from Fordham University. Joan is currently serving her second term on the Federal Home Loan Bank of Boston's (FHLBB) Board of Directors and is Chair of the Housing and Community Development Committee for the FHLBB. As a board member of FHLBB, Joan engaged in expanding their Affordable Housing Program funding to include revolving loan funds as an eligible use of funds. Joan is also a member of the Board of the CT Housing Trust Fund.