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The OCC's economists support the OCC mission through economic thought leadership, analysis, and research to aid bank supervision and policy development.
The OCC's economists support the agency and its mission through thought leadership, bank-specific supervision, economic analysis, policy development and implementation, and original research applying quantitative methods in economics and finance.
OCC economists perform both off-site analyses of changing economic conditions, industry trends, and banking conditions, and on-site direct exam support.
Learn more about the OCC's Supervision Risk and Analysis department, which is responsible for economic analysis at the agency.
The OCC invites academic, regulatory, and other experts to submit and discuss research on topics that support the agency’s mission of ensuring a safe and sound federal banking system.
Read focused analyses of current economic and banking issues.
Find brief summaries of the latest national and regional economic trends.
Find in-depth analysis in OCC Working Papers on bank performance and regulation, bank risk management, operations, banking-related consumer affairs, and the U.S. economy.
Find Regulatory Impact Analysis (RIA) memos for recently issued final rules.
Explore pivotal moments in the history of the federal banking system and their impact on the nation from an economic point of view.
The History of National Bank Real Estate Lending: Part I (1863-1980)
Global Banking's Improved Capital Levels May Soon be Tested
The History of Supervisory Expectations for Capital Adequacy: Part II (1984–2021)
Supply Chain Vulnerabilities Likely to Persist
U.S. Economic Snapshot - COVID-related slowdown in 3Q expected to be temporary
The Impact of the State and Local Tax (SALT) Deduction Cap on U.S. Home Prices (WP-2021-02)
OCC economists conduct original research, identify and assess emerging trends and risks related to the financial system, and continually expand their expertise to answer banking policy questions related to bank lending, risk exposure, and risk management.