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Ioan Voicu

Senior Financial Economist
Compliance Risk Analysis Division

Ioan Voicu is a Senior Financial Economist in the Compliance Risk Analysis Division within Economics at the Office of the Comptroller of the Currency (OCC).

Dr. Voicu has participated in the division’s development of methods to support redlining, Community Reinvestment Act, and anti-money laundering examinations. He also conducts independent research on a variety of topics in mortgage lending and urban economics and policy, such as the role of neighborhood characteristics in determining house prices and loan performance, effectiveness of policies to improve mortgage affordability and performance, and determinants of firm location. Before joining the OCC in 2007, he was a research fellow at the Furman Center For Real Estate and Urban Policy at New York University. Prior to that, Dr. Voicu was a researcher and adjunct assistant professor at the Center for Urban Policy Research at Rutgers University. He earned his Ph.D. in economics at Rutgers University.

  1. Been, Vicki, Mary Weselcouch, Ioan Voicu, and Scott Murff (2013), “Determinants of the Incidence of U.S. Mortgage Loan Modifications,” Journal of Banking and Finance, Vol. 37 (10).
  2. Voicu, Ioan, Marilyn Jacob, Irene Fang, and Kristopher Rengert (2012), “Subprime Loan Default Resolutions: Do They Vary Across Mortgage Products and Borrower Demographic Groups?” The Journal of Real Estate Finance and Economics, Vol. 45 (4), pp. 939-964.
  3. Karikari, John, Ioan Voicu, and Irene Fang (2011), “FHA vs. Subprime Mortgage Originations: Is FHA the Answer to the Subprime Crisis?” The Journal of Real Estate Finance and Economics, Vol. 43 (4), pp. 441-458.
  4. Hilber, Christian and Ioan Voicu (2010), “Agglomeration Economies and the Location of Foreign Direct Investment: Evidence from Romania,” Regional Studies, Vol. 44 (3), pp. 355-371.
  5. Ellen, Ingrid G., Kathy O’Reagan, and Ioan Voicu (2009), “Impact of Low-Income Housing Tax Credit Program on Poverty Concentration and Neighborhood Revitalization,” in Housing Markets and the Economy: Risk, Regulation, Policy; Essays in Honor of Karl Case, edited by E. Glaeser and J. Quigley, Cambridge, MA., Lincoln Land Institute.
  6. Voicu, Ioan and Vicky Been (2008), “The Effect of Community Gardens on Neighboring Property Values,” Real Estate Economics, Vol. 36 (2), pp. 241-283.
  7. Schill, Michael H., Ioan Voicu, and Jonathan Miller (2007), “The Condominium v. Cooperative Puzzle: An Empirical Analysis of Housing in New York City,” The Journal of Legal Studies, Vol. 36 (2), pp. 275-324
  8. Schwartz, Amy E., Ingrid G. Ellen, and Ioan Voicu (2007), “The Impact of Business Improvement Districts on Property Values: Evidence from New York City,” Brookings Wharton Papers on Urban Affairs, pp. 32-35.
  9. Ellen, Ingrid G., Michael H. Schill, Amy E. Schwartz, and Ioan Voicu (2007), “Does Federally Subsidized Rental Housing Depress Neighborhood Property Values?” Journal of Policy Analysis and Management, Vol. 26 (2), pp. 257-280.
  10. Schwartz, Amy E., Ingrid G. Ellen, Michael H. and Ioan Voicu (2006), “The External Effects of Place-Based Subsidized Housing,” Regional Science and Urban Economics, Vol. 36 (6), pp. 679-707.
  11. Listokin, David, Siona Listokin, and Ioan Voicu (2006), “Comment of Jack Goodman’s “Houses, Apartments, and the Incidence of Property Taxes,” Housing Policy Debate, Vol. 17 (1), pp. 27-44.
  12. Ellen, Ingrid G. and Ioan Voicu (2005), “Non-Profit Housing and Neighborhood Spillovers,” Journal of Policy Analysis and Management, Vol. 25 (1), pp. 31-52.
  13. Ellen, Ingrid G., Michael H. Schill, Amy E. Schwartz, and Ioan Voicu (2004), “The Role of Cities in Providing Housing Assistance: A New York Perspective” in City Taxes, City Spending: Essays in Honor of Dick Netzer, ed. Amy Ellen Schwartz, Edward Elgar Publishing Inc.
  14. Voicu, Ioan (2004), “A comparison of the Performance of Domestic and Foreign Firms in the Romanian Manufacturing Sector,” Eastern European Economic, Vol. 42 (4), pp. 5-32.
  15. Schwartz, Amy E., Scott J. Susin, and Ioan Voicu (2003), “Has Falling Crime Driven New York City’s Real Estate Boom?” Journal of Housing Research, Vol. 14 (1), pp. 101-136.
  16. Ellen, Ingrid G., Michael H. Schill, Amy E. Schwartz, and Ioan Voicu (2003), “Housing Production Subsidies and Neighborhood Revitalization: New York City’s Ten-Year Capital Plan for Housing,” Economic Policy Review, Vol. 9 (2).
  17. Schill, Michael H., Ingrid G. Ellen, Amy E. Schwartz, and Ioan Voicu (2002), “Revitalizing Inner City Neighborhoods: New York City’s Ten Year Plan for Housing,” Housing Policy Debate, Vol. 13 (3), pp. 529-556.
  18. Listokin, David, Elvin Wyly, Ioan Voicu, and Brian Schmitt (2002). “Known Facts or Reasonable Assumptions? An Examination of Alternative Sources of Housing Data,” Journal of Housing Research, Vol. 13 (2), pp. 219-251.
  19. Listokin, David, Elvin Wyly, Ioan Voicu, and Brian Schmitt (2001). “The Potential and Limitations of Mortgage Innovation in Fostering Homeownership in the United States,” Housing Policy Debate, Vol. 12 (3), pp. 465-514.
  1. Voicu, Ioan, Irina Paley, Andres Lopez, and Irene Fang (2013), “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).
  2. Voicu, Ioan, Vicki Been, Mary Weselcouch, and Andrew Tschirart (2012), “Loan Modifications: What Works,” Working Paper, Office of the Comptroller of the Currency.
  1. Schwartz, Amy E. and Ioan Voicu (2007), “Which Schools Matter? Disentangling the Impact of Zoned Schools and Choice Schools on House Prices in New York City,” Lincoln Institute (currently under revision for journal submission).
  2. Listokin, David, Ioan Voicu, William Dolphin, and Mathew Camp (2006), “Who Lives in New Jersey Housing? New Jersey Demographic Multipliers The Profile of the Occupants of Residential and Nonresidential Development.” Center of Urban Policy Research, Rutgers University, 154 pages.
  3. Armstrong, Amy, Vicki Been, Caroline Bhalla, Ingrid G. Ellen, Carrie-Ann Ferraro, Solomon Greene, Jenny Schuetz, and Ioan Voicu (2006), “State of New York City’s Housing and Neighborhoods 2006,” Furman Center for Real Estate and Urban Policy, New York University.
  4. Bhalla, Caroline, Vicki Been, Ingrid G. Ellen, Andrew Schinzel, Solomon Green, and Ioan Voicu (2005), “State of New York City’s Housing and Neighborhoods 2005,” Furman Center for Real Estate and Urban Policy, New York University.
  5. Bhalla, Caroline, Ioan Voicu, Rachel Meltzer, Ingrid G. Ellen, and Vicki Been (2004), “State of New York City’s Housing and Neighborhoods 2004,” Furman Center for Real Estate and Urban Policy, New York University.
  6. Listokin, David, Elvin Wyly, Ioan Voicu, and Brian Schmitt (2002), “The Potential and Limitations of Mortgage Innovation in Fostering Homeownership in the United States,” Washington D.C.: Fannie Mae Foundation, 170 pages.