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Irina Paley

Deputy Director
Compliance Risk Analysis Division

(202) 649-5550

Irina Paley is the Deputy Director of 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. Paley, Irina and Chau Do, “Does Gender Affect Mortgage Choice: Evidence from the U.S.,” Feminist Economics, forthcoming.
  2. 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).
  3. 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).
  1. Irina Paley, Ioan Voicu, Andres Lopez, and Irene Fang: “Information Externalities, Neighborhood Characteristics, and Home Mortgage Pricing.” Working Paper, Office of the Comptroller of the Currency (currently revised and resubmitted to Real Estate Economics).