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Irina Paley

Compliance Risk Analysis Division

(202) 649-5550

Irina Paley is an Economist in the Compliance Risk Analysis Division within Economics at the Office of the Comptroller of the Currency (OCC).

Dr. Paley joined the OCC in 2005. Dr. Paley has worked on developing statistical methods to identify low levels of mortgage lending for Community Reinvestment Act purposes as well as for OCC redlining. Her research interests include the role of risk aversion and financial literacy in financial product choice and borrower repayment behavior. She holds a Ph.D. in economics from Brown University and a bachelor’s degree from Brandeis University.

  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).