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Daniel Nolle

Senior Financial Economist
(202) 649-5450
Daniel.Nolle@occ.treas.gov

photo of Daniel Nolle  

Daniel Nolle is a Senior Financial Economist in the Policy Analysis Division at the Office of the Comptroller of the Currency (OCC).

Dr. Nolle’s current interests include the structure of the financial services industry, financial crises, regulatory system reform, consumer financial protection, and cross-country comparisons of banking and regulation.

Before joining the OCC in 1991, Dr. Nolle was an economist at the Federal Reserve Bank of New York and an assistant professor at Middlebury College. He received his doctorate in economics from Johns Hopkins University and his bachelor’s degree in economics from the University of Missouri-St. Louis.

Dr. Nolle’s fields of interest include the structure of the banking industry, banking regulation, consumer finance, and Internet banking.

  1. "Global Financial System Reform: The Dodd-Frank Act and the G20 Agenda," Journal of Financial Economic Policy, Vol. 4, Issue 2 (forthcoming, June 2012).
  2. "The U.S. Housing Market in 2014: How Much Financing is Needed, and Who Will Supply It?" (with James R. Barth and Tong Li) Current Views, Milken Institute (April 2012).
  3. "U.S. Domestic and International Financial Reform Policy: Are G20 Commitments and the Dodd-Frank Act in Sync?" International Finance Discussion Papers, Number 1024, Board of Governors of the Federal Reserve System (July 2011).
  4. "WTO Commitments versus Reported Practices on Foreign Bank Entry and Regulation," (with James R. Barth, Juan A. Marchetti, and Wanvimol Sawangngoenyuang) Chapter 17 in The Oxford Handbook of Banking, Allen N. Berger, Phillip Molyneux, and John O. S. Wilson (eds.), Oxford, England 2010.
  5. The Rise and Fall of the U.S. Mortgage and Credit Markets, Book Review in Lombard Street (Nov. 30, 2009)
  6. Global Banking Regulation & Supervision: What Are the Issues and What Are the Practices? (with James R. Barth and Jie Gan), Financial Institutions and Services Series, Nova Science Publishers, Inc., 2009.
  7. "What is different about this recession? Nonbank providers of credit loom large," in The Quarterly Capital Purchase Program Report, First Quarter, 2009, Office of Financial Stability, United States Treasury Department, August 17, 2009.
  8. "How the Internet Affects Output and Performance at Community Banks," (with Robert DeYoung and William Lang), Journal of Banking and Finance, 31:2, April 2007.
  9. "Financial Supervision and Crisis Management: U.S. Experience and Lessons for Emerging Market Economies," (with James R. Barth, Lawrence Goldberg, and Glenn Yago), in Regulatory Reforms in the Age of Consolidation: Emerging Market Economies and Advanced Economies, Tiger Press, Seoul, Korea, 2006.
  10. "What's Your Risk with the Growing Use of ACH Payments," (with Karen Furst), Quarterly Journal, 24:4, Office of the Comptroller of the Currency, December 2005.
  11. "External Governance and Bank Performance: A Cross-Country Analysis," (with James Barth, Valentina Hartarska, and Triphon Phumiwasana), in Regulation of Financial Intermediaries in Emerging Economies, Mohan, T.T. Ram Mohan; Rupa Rege Nitsure; and Mathew Joseph (eds.), Sage Publications, New Delhi, India, April 2005.
  12. "Technological Innovations in Retail Payments: Key Developments and Implications for Banks," (with Karen Furst), Journal of Financial Transformation, 12, The Capco Institute, December 2004.
  13. "Cross-Border Outsourcing and Risk Management for Banks," (with Hugh C. Kelly), Journal of Financial Transformation, 8, The Capco Institute, August 2003.
  14. "Bank Supervision in the United States and the G-10: Implications for Basel II," RMA Journal, June 2003.
  15. "A Cross-Country Analysis of the Bank Supervisory Framework and Bank Performance," (with James R. Barth, Triphon Phumiwasana, and Glenn Yago), Financial Markets, Institutions & Instruments, 12:2, Blackwell Publishing, May 2003.
  16. "The Structure, Scope, and Independence of Bank Supervision: An International Comparison," Quarterly Journal, 22:1, Office of the Comptroller of the Currency, March 2003.
  17. "An International Comparison and Assessment of the Structure of Bank Supervision," (with James R. Barth, Luis G. Dopico, and James A. Wilcox), in Financial Regulation: A Guide to Structural Reform, rner, Douglas, and Jan-Juy Lin (eds.). Sweet & Maxwell, Hong Kong, 2003. [Condensed version of the paper published by permission in Corporate Finance Review, 6:6, May/June 2002.]
  18. "Bank Safety and Soundness and the Structure of Bank Supervision: A Cross-Country Analysis," (with James R. Barth, Luis G. Dopico, and James A. Wilcox), International Review of Finance, 3:3/4, September 2002.
  19. "Internet Banking," (with Karen Furst and William W. Lang.), Journal of Financial Services Research, 22:1/2, August/October 2002. p. 95-117.
  20. "Internet Banking," (with William W. Lang.), in The International Encyclopedia of Business and Management, 2nd edition, Warner, Malcolm (ed.), Thomson Learning, October 2001.
  21. "Internet Banking in the United States: Landscape, Prospects, and Banking Industry Implications," (with William W. Lang.), Journal of Financial Transformation, 2, July 2001.
  22. "Choosing the Right Financial System for Growth," (with James R. Barth, Hilton L. Root, and Glenn Yago), Journal of Applied Corporate Finance, April 2001.
  23. "Who Offers Internet Banking?" (with Karen Furst, and William W. Lang), Quarterly Journal, 19:2, Office of the Comptroller of the Currency, June 2000.
  24. "Commercial Banking Structure, Regulation, and Performance: An International Comparison," (with James R. Barth and Tara N. Rice), in Modernizing Financial Systems, Papadimitriou, Dimitri B. (ed.), St. Martin's Press, Inc., 2000. [Condensed version of this paper published in Managerial Finance, 23:11, July 1997].
  25. "Banking over the Internet," (with Kori Egland, Karen Furst, and Douglas Robertson), Quarterly Journal, 17:4, Office of the Comptroller of the Currency, December 1998.
  26. "Do Banks Follow Their Customers Abroad?" (with Rama Seth and Sunil K. Mohanty), Financial Markets, Institutions & Instruments, New York University Salomon Center, 7:4, November 1998.
  27. "Technological Innovation in Banking and Payments: Industry Trends and Implications for Banks," (with Karen Furst and William W. Lang.), Quarterly Journal, 17:3, Office of the Comptroller of the Currency, September 1998.
  28. "Risk Management for Electronic Banking and Electronic Money Activities," Basel Committee on Banking Supervision, Bank for International Settlements, March 1998.
  29. "Electronic Money: Consumer protection, law enforcement, supervisory, and cross border issues," (with Heidi Richards), Report of the Working Party on Electronic Money, Group of Ten, Bank for International Settlements, April 1997.
  30. "Integration and Globalization in the Canadian and U.S. Banking Industries: A Modest Role for NAFTA?" in Regulation and Supervision of Financial Institutions in the NAFTA Countries and Beyond, von Furstenberg, George M. (ed.), Kluwer Academic Publishers, 1997.
  31. "Foreign-Owned Banks in the United States: Earning Market Share or Buying It?" (with Robert DeYoung), Journal of Money, Credit, and Banking, 28:4, November 1996. Part 1.
  32. "Foreign Bank Operations in the U.S.: Cause for Concern?" in International Finance in the New World Order, Gray, H. Peter, and Sandra C. Richard, (eds.), Oxford, England: Elsevier Science, Ltd., 1995.
  33. "An Empirical Analysis of Market Structure and Import and Export Performance for US Manufacturing," Quarterly Review of Economics and Business, 31:4, Winter 1991.
  34. "The Determinants of Intra-Industry Trade for Developing Economies," Rivista Internazionale Di Scienze Economiche E Commerciali, 37:4/5, April-May 1990.
  1. "The U.S. Financial System in 2011: How Will Sufficient Credit Be Provided?" (with Susan Hickok), Economics Working Paper 2009-6, Office of the Comptroller of the Currency, November 2009.
  2. "Consumers Complaints about Banking Practices 2001-2008: What Were They Thinking?" Office of the Comptroller of the Currency, January 2009. Draft paper presented at the Eastern Finance Association Annual Meetings, Washington, DC, May 1, 2009.
  3. "Foreign Banking: Do Countries' WTO Commitments Match Actual Practices?" (with James R. Barth, Juan A. Marchetti, and Wanvimol Sawangngoenyuang), Staff Working Paper ERSD-2006-11, World Trade Organization, Economic Research and Statistics Division, October 2006.
  4. "Comparative International Characteristics of Banking," (with James R. Barth and Gerard Caprio, Jr.), Economic and Policy Analysis Working Paper 2004-1, Office of the Comptroller of the Currency, January 2004.
  5. "A Cross-Country Analysis of the Bank Supervisory Framework and Bank Performance," (with James R. Barth and Triphon Phumiwasana), Economic and Policy Analysis Working Paper 2002-2, September 2002.
  6. "Internet Banking: Developments and Prospects," (with With Karen Furst and William W. Lang), Economic and Policy Analysis Working Paper 2000-9, September 2000.
  7. "Commercial Banking Structure, Regulation, and Performance: An International Comparison," (with James R. Barth and Tara N. Rice), Economic and Policy Analysis Working Paper 97-6, March 1997.
  8. "Do Banks Follow Their Customers Abroad?" (with Rama Seth), Research Paper No. 9620, Federal Reserve Bank of New York, August 1996.
  9. "Foreign-Owned Banks in the U.S.: Earning Market Share of Buying It?" (With Robert DeYoung), Economic and Policy Analysis Working Paper 95-2, May 1995.
  10. "Banking Industry Consolidation: Past Trends and Implications for the Future," Economic and Policy Analysis Working Paper 95-1, April 1995. Previous version published as Working Paper No. 111, The Jerome Levy Economics Institute, April, 1994.
  11. "Are Foreign Banks Out-Competing U.S. Banks in the U.S. Market?" Economic and Policy Analysis Working Paper 94-5, May 1994.