Andrew Rodrigo Nigrinis is an economist and policy researcher specializing in consumer finance, banking, financial regulation, competition policy, and applied microeconomics. He is the founder of Remington Economics LLC and an economist with Legal Economics LLC, where he conducts economic research and advises clients on financial-regulatory policy, credit markets, payments, consumer protection, antitrust, and healthcare economics.
Dr. Nigrinis previously served for approximately six years as an Enforcement Economist at the Consumer Financial Protection Bureau. In that role, he provided economic and empirical analysis in more than 70 investigations and enforcement matters involving mortgages, student loans, credit cards, debt collection, payments, fair lending, fraud, and deceptive practices. He advised attorneys on data strategy, econometric evidence, consumer harm, restitution and settlement calculations, and the evaluation of expert analysis. His earlier experience includes senior economic and research positions at Edgeworth Economics, Econometrica, the American Psychological Association, Capital One, Ernst & Young, and Industry Canada.
His recent research focuses on the consequences of stablecoin adoption for bank deposits, credit intermediation, community-bank lending, and financial stability. He is the author of The Lending Impact of Stablecoin-Induced Deposit Outflows and Big Assumptions, Bigger Impacts: Rethinking Stablecoin Policy Findings—Who Lends to Main Street When the Deposits Leave? His broader policy work has examined medical-debt credit reporting, debit-card interchange regulation, credit-card fees, housing affordability, title insurance, and consumer financial protection. His research and commentary have been cited or featured by the Congressional Research Service, S&P Global Market Intelligence, American Banker, Fox Business, Punchbowl News, HousingWire, and other policy, legal, and industry publications.
Dr. Nigrinis has presented economic research at conferences and programs organized by the American Bar Association, ACA International, the Healthcare Financial Management Association, and other national organizations. He earned his Ph.D. in Economics from Stanford University, his M.A. in Economics from Queen’s University, and his B.A. in Economics from the University of Alberta.