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Economics and Policy Analysis

The OCC uses quantitative and analytical skills to monitor and assess banking and financial market conditions. These analyses help ensure that banks comply with laws and regulations, supervisory strategies and actions are appropriately prioritized, agency policies achieve intended goals and regulations are effectively implemented. OCC staff research and analysis help advance the methodological tools used in risk measurement models, increase the understanding of banking issues, and inform policy makers. The Economics and Policy Analysis divisions provide this analysis.

The Divisions in Economics and Policy Analysis

US map   Industry and Regional Analysis (IRA) Division

IRA supports informed, appropriate, and timely OCC action by analyzing and communicating the likely impact on national banks and federal savings associations of sectoral and regional economic developments.

flags   International Analysis and Banking Condition (IABC) Division

IABC identifies, monitors, and measures risks to national banks and federal savings associations. They communicate these risks to key OCC personnel and policy makers to inform appropriate, timely action.

congress building   Policy Analysis Division (PAD)

PAD identifies and analyzes current and likely future key trends in bank performance, financial markets, laws and regulation that are relevant to the development and implementation of agency policy and contribute to the effective supervision of national banks by the OCC.