Peter J. Nigro

Peter J. Nigro

Academic Affiliate

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Phone: (512) 703-4600 VCard


Peter J. Nigro is the Sarkisian Chair in Financial Services at Bryant University in Smithfield, Rhode Island. Dr. Nigro’s experience spans a broad range issues including fair lending and bank compliance, credit risk and credit scoring, bank performance and failures, as well as ABS and securitization. Dr. Nigro is an applied financial economist with experience in advanced quantitative methods, microeconomics and statistical methods.

Dr. Nigro worked for over a decade at the Office of the Comptroller of the Currency in Washington, DC. During his time at the OCC he spent a significant time in bank supervision. Specifically, Peter was responsible for targeting (using HMDA data) and conducting fair lending examinations. During his tenure, Peter conducted Regulation B exams at almost every large national bank. Dr. Nigro also conducted credit risk and credit scoring exams from a safety and soundness perspective. In addition to exam support, he also conducted examiner training on the use of statistics in Fair Lending and Credit scoring.

Dr. Nigro research portfolio highlights the applied nature of his work. Dr. Nigro has published articles on bank capital, fair lending, credit risk, credit scoring, and small business finance in the Top Tier of Finance journals including the Journal of Money, Credit and Banking, Journal of Financial Intermediation, Journal of Real Estate Finance and Economics and most recently, the lead article in the Journal of Credit Risk.

Dr. Nigro has worked with an alphabet soup of financial regulators including the Federal Reserve Board, SEC, FDIC, OTS, OFHEO, HUD, Treasury and almost every regional Federal Reserve Bank on important policy issues including Basel/bank capital, mutual funds, financial literacy, credit scoring, risk management and fair lending. These collaborators include attorneys, examiners, CPAs, CFAs and other Ph.D. economists.

Dr. Nigro has done consulting work for the New York Attorney General’s Office, in addition to several of the more prominent law firms and consulting groups.

Dr. Nigro is consistently rated one of the best professors in the business school at Bryant University. In 2007, he was named by Business Week Magazine as a Favorite Professor, while in 2010 he won the University Distinguished Faculty Award and was elected to Beta Gamma Sigma.

Dr. Nigro holds a doctorate in economics, with concentrations in Corporate Finance and labor economics. He also holds an M.A. in Economics from the University of Southern California and a B.A. from the College of the Holy Cross.


Ph.D. in Economics, Boston College

Areas of expertise

Recent news, presentations, and publications

“Do Predatory Lending Laws Influence Mortgage Lending?  An Analysis of the North Carolina Predatory Lending Law,” (2005) Journal of Real Estate and Finance (joint with Keith Harvey).

“The Default History of Small Business Loans: A Survival Analysis Approach, forthcoming,” Journal of Money, Credit and Banking (2005) 37 (5) pp. 923-946 (joint with Dennis Glennon).

“An Analysis of SBA Small Business Loan Defaults by Maturity Structure,” Journal of Financial Services Research (2005) 28 (1/2) pp. 77-111 (joint with Dennis Glennon).

“Recent Trends in the Syndicated Loan Market: Evidence for 1996-2000,” Journal of Financial Research (2005) 28 (3) pp. 385-402 (joint with Jonathan Jones and William Lang).

“How Do Predatory Lending Laws Influence Mortgage Lending in Urban Areas?  A Tale of Two Cities,” (2004) Journal of Real Estate Research (joint with Keith Harvey).

“The Influence of Bureau Scores, Customized Scores, and Judgmental Review on the Bank Underwriting Decision Making Process,” Journal of Real Estate Research, Volume 24, No. 2 (2002) (joint with M. Cary Collins and Keith Harvey).

“Disparities in Mortgage Lending, Bank Performance, Economic Influence and Regulatory Oversight,” Journal of Real Estate and Finance, Volume 23, Number 3 (2001) (joint with M. Cary Collins, Keith Harvey and Breck Robinson).

“Does Mutual Fund Disclosure at Banks Matter?  Evidence from a Survey of Investors,” Quarterly Review of Economics and Finance, Vol. 41 Fall (2001) pp. 387-403 (joint with Gordon Alexander and Jonathan Jones).

“Regulating Mutual Fund Investor Knowledge: Policy Fantasy or Reality,” in Restructuring Regulation and Financial Institutions, edited by James Barth, R. Dan Brumbaugh and Glenn Yago (2000), pp. 141-194 (joint with Gordon Alexander and Jonathan Jones).