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Dan Grodzicki

Financial Economist

Retail Credit Risk Analysis

Daniel Grodzicki is a Financial Economist in the Retail Credit Risk Analysis Division within Supervision Risk & Analysis at the OCC. His research interests are in industrial organization and household finance. His work has focused on the credit card and health insurance markets. Prior to OCC, Dr. Grodzicki was an assistant professor at The Pennsylvania State University.

Dan’s research can be found ‪here.

  1. Grodzicki, Daniel, Alexei Alexandrov, Ozlem Bedre-Defoli, and Sergei Koulayev (2022). “Consumer Demand for Credit Card Services,” Journal of Financial Services Research, forthcoming.
  2. Grodzicki, Daniel (2021). “Credit Cards and the Floating Rate Channel of Monetary Policy,” Applied Economics Letters, 1-6.
  3. Grodzicki, Daniel and Sergei Koulayev (2021). “Sustained Credit Card Borrowing,” Journal of Consumer Affairs, 55(2), 622-653.
  4. Brevoort, Kenneth, Daniel Grodzicki, and Martin Hackman (2020). “Credit Consequences of Unpaid Medical Bills,” Journal of Public Economics, 187, 104203.
  5. Avery, Robert, Daniel Grodzicki, and Kevin Moore (2015). “Death and Taxes: An Evaluation of Prospective Policies for Taxing Wealth at the Time of Death,” The National Tax Journal, 68(3), 601-632.

  1. Grodzicki, Dan (2022) “Competition and Customer Acquisition in the U.S. Credit Card Market”
  2. Brown, Alexander, Dan Grodzicki, and Paolina Medina (2022) “When Nudges Spill Over: Student Loans and the CARD Act Campus Ban”