Economics Publications
The Supervision Risk and Analysis department is continually developing and contributing to the economics body of knowledge. For more information into a wide range of thought-provoking articles, published research, and working papers created by OCC's economists, explore the links below:
- On Point - Focused Analyses of Current Economic and Banking Issues
- Economic Snapshots – Latest National Economic Trends
- OCC Working Papers – Banking Performance and Regulation
- OCC Working Papers – New Frontiers in Bank Risk Management
- Regulatory Impact Analysis Memos
- Moments in History - Economic Insights from the History of the Federal Banking System
- Other Research Papers
- Archived OCC Economics Working Papers
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On Point - Focused Analyses of Current Economic and Banking Issues
Economic Snapshots – Latest National Economic Trends
OCC Working Papers - Banking Performance and Regulation
Publication Date | Title | Version |
---|---|---|
01/06/2021 | CAMELS Ratings and Their Information Content (WP-2021-01) | January 2021 |
12/02/2020 | Chartering the FinTech Future (WP-2020-06) | December 2020 |
08/02/2020 | Hurricanes and Residential Mortgage Loan Performance (WP-2020-04) | August 2020 |
06/30/2020 | A Puzzle in the Relation Between Risk and Pricing of Long-Term Auto Loans (WP-2020-03) | June 2020 |
02/06/2020 | Profits, Credit Spreads, and Fragility of Banks (WP-2020-01) | February 2020 |
OCC Working Papers - New Frontiers in Bank Risk Management
Publication Date | Title | Version |
---|---|---|
02/04/2022 | Interbank Debt Contagion and Financial Network Solvency (WP-2022-01) | February 2022 |
08/25/2021 | The Impact of the State and Local Tax (SALT) Deduction Cap on U.S. Home Prices (WP-2021-02) | August 2021 |
10/21/2020 | Estimating Conditional Mortgage Delinquency Transition Matrices (WP-2020-05) | October 2020 |
05/11/2020 | Modeling Loss Given Default Regressions (WP-2020-02) | May 2020 |
Regulatory Impact Analysis Memos
Publication Date | Title | Version |
---|---|---|
11/22/2021 | OCC Regulatory Impact Analysis 2021-3 – Final Rulemaking: Exemptions to Suspicious Activity Report Requirements | November 2021 |
01/19/2021 | OCC Regulatory Impact Analysis 2021-2 – Final Rulemaking: Supervisory Guidance | January 2021 |
10/26/2020 | OCC Regulatory Impact Analysis 2020-14 – Final Rulemaking: Part 7 | October 2020 |
Moments in History - Economic Insights from the History of the Federal Banking System
Publication Date | Title | Version |
---|---|---|
04/26/2024 | The History of National Bank Real Estate Lending: Part II (1981-2023) | April 2024 |
06/20/2023 | The History of National Bank Real Estate Lending: Part I (1863-1980) | June 2023 |
10/25/2022 | The History of Supervisory Expectations for Capital Adequacy: Part II (1984–2021) | October 2022 |
06/13/2022 | The History of Supervisory Expectations for Capital Adequacy: Part I (1863-1983) | June 2022 |
11/23/2021 | Shareholder Double Liability and Depositor Losses in Failed National Banks: 1865–1935 | November 2021 |
06/11/2021 | The Value of Examiner Asset Classifications: Protecting Uninsured Depositors and Creditors Since 1863 | June 2021 |
12/07/2020 | The Evolution of Bank Chartering | December 2020 |
12/03/2020 | Value Creation From the National Bank Charter: Historical Reflections on the Complementarity of Examinations and Market Discipline | December 2020 |
Archived OCC Economics Working Papers
Access a collection of archived OCC Working Papers from 1993-2016