Skip to main content
OCC Flag

An official website of the United States government

Irina Paley

Senior Financial Economist

Compliance Risk Analysis Division

Irina Paley is a Senior Financial Economist in the Compliance Risk Analysis Division within Supervision Risk Analysis at the Office of the Comptroller of the Currency (OCC). Dr. Paley joined the OCC in 2005. She holds a Ph.D. in economics from Brown University, where her research focused on labor and household economics. Dr. Paley's research interests include topics in consumer finance such as effects of financial literacy and risk aversion, as well as product choice and mortgage performance.

Irina’s research can be found here.

  1. Irina Paley, Ioan Voicu, Andres Lopez, and Irene Fang: "Information Externalities, Neighborhood Characteristics, and Home Mortgage Pricing.", Real Estate Economics, Vol 43(3)
  2. Do, Chau and Irina Paley. "Gender and Mortgage Choice: More Evidence of Gender Based Risk Aversion." Feminist Economics, Vol. 19 (2).
  3. Paley, Irina and Chau Do (2011). “Altruism in the House: The Impact of Home Equity on Charitable Giving,” Review of Economics of the Household, Vol. 10 (3).
  4. Paley, Irina and Chau (2007). “Explaining the Growth of Higher-Priced Loans in HMDA: The Oaxaca Decomposition Approach.” Journal of Real Estate Research, Vol. 29 (4).