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    <url>
      <loc>/briefs/2026/03/31/who-participates-in-repo/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2026/03/26/calm-markets-and-underlying-risks/</loc>
    </url>
  
    <url>
      <loc>/briefs/2026/03/12/measuring-counterparty-exposures-private-credit/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2026/03/05/central-counterparty-management-liquid-prefunded-resources/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2026/03/05/liquidity-risks-physical-settlement-ccp-resource-demands/</loc>
    </url>
  
    <url>
      <loc>/briefs/2026/03/03/hedge-fund-participation-cleared-repo/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2026/02/19/clearing-markets-client-clearing-services/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2026/02/19/economic-drivers-consequences-client-clearing/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2026/02/10/short-circuiting-short-term-funding/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2026/02/10/resilient-repo-market-cyber-induced-outages/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2026/01/29/central-clearing-impact-repo-market/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2026/01/22/macroeconomic-consequences-capital-constraints/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2026/01/22/countercyclical-capital-constraints-lower-consumption-volatility/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/12/04/sizing-us-repo-market/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2025/11/19/ofr-releases-2025-annual-report-to-congress/</loc>
    </url>
  
    <url>
      <loc>/annual-reports/2025-annual-report/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2025/09/30/treasury-tri-party-repo-pricing/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/09/30/lending-relationships-treasury-short-term-funding/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/09/18/cyberattack-firm-size-vulnerability-mid-size-firms/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/09/11/mmf-monitor-cleared-repo-lending/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2025/08/28/repo-rate-spillovers-evidence-natural-experiment/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/08/28/repo-rate-collateral-classes/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/08/12/are-zero-haircut-repos-as-common-as-advertised/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/08/07/affiliate-repo-2024-stfm-update/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2025/07/01/the-impact-of-ccp-liquidity-demands-on-clearing-members-under-stress/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/07/01/clearing-members-well-equipped-to-meet-ccp-assessments-despite-likely-resource-depletion-under-stress/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2025/06/25/opening-remarks-by-ofr-acting-director-james-martin-at-the-2025-over-the-counter-derivatives-regulators-forum/</loc>
    </url>
  
    <url>
      <loc>/conferences/2025/06/25/rising-scholars-conference/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2025/06/17/house-prices-debt-burdens-and-the-heterogeneous-effects-of-mortgage-rate-shocks/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/06/17/new-ofr-research-shows-how-debt-affects-the-relationship-between-house-prices-and-mortgage-rates/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2025/06/05/the-reliability-of-odd-lot-liquidity/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/06/05/does-off-exchange-trading-affect-prices-and-liquidity-on-exchanges/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/06/02/blog-hfm-q4-2024/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/05/22/ofr-mmfm-shows-reduced-federal-reserve-on-rrp-use/</loc>
    </url>
  
    <url>
      <loc>/briefs/2025/05/20/long-term-price-growth-and-household-financial-conditions/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/05/15/the-state-of-banks-unrealized-securities-losses/</loc>
    </url>
  
    <url>
      <loc>/briefs/2025/05/08/lessons-from-trade-cancellation-at-the-lme/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2025/05/02/opening-remarks-by-ofr-acting-director-james-martin-at-the-2025-rising-scholars-conference/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2025/04/22/how-the-treasury-clearing-rule-for-repo-might-affect-sofr/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2025/03/21/ofr-extends-nccbr-compliance-date/</loc>
    </url>
  
    <url>
      <loc>/conferences/2025/03/11/2025-otc-derivatives-regulators-forum/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/12/23/ofr-monitor-shows-rising-fx-and-sovereign-debt-exposure/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/12/23/ofr-monitor-shows-u.s.-money-market-fund-asset-growth-and-increased-exposure-to-centrally-cleared-repo/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2024/12/10/central-clearing-and-trade-cancellation/</loc>
    </url>
  
    <url>
      <loc>/briefs/2024/11/26/crypto-exposure-and-household-financial-conditions/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2024/11/22/remarks-by-james-martin-2024-financial-stability-conference/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2024/11/20/ofr-releases-2024-annual-report-to-congress/</loc>
    </url>
  
    <url>
      <loc>/annual-reports/2024-annual-report/</loc>
    </url>
  
    <url>
      <loc>/briefs/2024/11/14/repo-market-intermediation/</loc>
    </url>
  
    <url>
      <loc>/briefs/2024/11/13/a-spread-based-measure-of-household-financial-stress/</loc>
    </url>
  
    <url>
      <loc>/briefs/2024/11/13/the-cyberattack-on-change-healthcare/</loc>
    </url>
  
    <url>
      <loc>/conferences/2024/11/08/2024-financial-stability-conference/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2024/10/31/does-lock-up-lead-to-stability/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/10/31/the-proof-of-stake-protocol-and-run-risk/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2024/10/30/the-who-and-how-of-hedge-fund-risk-shifting/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/10/30/hedge-fund-manager-compensation/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2024/10/25/opening-remarks-2024-cornell-ofr-climate-conference/</loc>
    </url>
  
    <url>
      <loc>/conferences/2024/10/09/2025-rising-scholars-call-for-papers/</loc>
    </url>
  
    <url>
      <loc>/frac/2024/10/01/committee-meeting/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/09/25/ofr-monitor-shows-us-money-market-funds-remain-a-popular-parking-option-for-investor-cash/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/09/04/how-wealth-influences-workers-job-switching-behavior/</loc>
    </url>
  
    <url>
      <loc>/staff-discussion-papers/2024/09/04/labor-market-recoveries-across-the-wealth-distribution/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2024/08/06/ofr-announces-the-2024-phd-symposium/</loc>
    </url>
  
    <url>
      <loc>/conferences/2024/08/06/2024-phd-symposium/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/08/02/banks-supplementary-leverage-ratio/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2024/07/31/ofr-unveils-new-hedge-fund-monitor-for-public-use/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2024/07/24/understanding-the-role-of-home-equity-in-flood-insurance-demand/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/07/24/low-home-equity-depresses-flood-insurance-take-up/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2024/07/23/global-banks-and-natural-disasters/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/07/23/how-do-global-banks-react-to-natural-disasters/</loc>
    </url>
  
    <url>
      <loc>/conferences/2024/07/18/cornell-ofr-conference-on-global-climate-finance-and-risks/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2024/07/17/do-credit-default-swaps-still-lead/</loc>
    </url>
  
    <url>
      <loc>/briefs/2024/07/11/bank-health-and-future-commercial-real-estate-losses/</loc>
    </url>
  
    <url>
      <loc>/briefs/2024/07/10/household-liquidity-measurement-a-new-approach/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2024/06/21/bank-competition-and-strategic-adaptation-to-climate-change/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/06/21/how-does-competition-affect-bank-adaptation-to-climate-risks/</loc>
    </url>
  
    <url>
      <loc>/conferences/2024/06/04/2024-financial-stability-conference-call-for-papers/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/05/23/mmf-monitor-q1-2024/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2024/05/08/opening-remarks-2024-rising-scholars/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2024/05/06/ofr-adopts-final-rule-for-data-collection/</loc>
    </url>
  
    <url>
      <loc>/briefs/2024/04/02/liquidity-coverage-ratios-of-banks-during-after-covid-19/</loc>
    </url>
  
    <url>
      <loc>/frac/2024/03/28/committee-meeting/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/03/26/us-money-market-funds-at-end-of-2023/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2024/03/21/rising-scholars-conference-announcement/</loc>
    </url>
  
    <url>
      <loc>/conferences/2024/03/21/rising-scholars-conference/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/03/19/ofr-congratulates-cftc-sec/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/03/06/lenders-value-borrower-relationships/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2024/03/05/the-value-of-lending-relationships/</loc>
    </url>
  
    <url>
      <loc>/briefs/2024/02/28/climate-risks-discounts/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2024/01/24/intermediation-networks-and-derivative-market-liquidity/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2024/01/24/model-shows-network-density-affects-derivatives-trade-costs/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2023/12/28/crash-narratives/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/12/28/economic-narratives-shape-how-investors-perceive-risks/</loc>
    </url>
  
    <url>
      <loc>/briefs/2023/12/27/two-new-metrics-bank-securities-portfolio-risk/</loc>
    </url>
  
    <url>
      <loc>/conferences/2023/12/15/rising-scholars-call-for-papers/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/12/14/property-insurance-market/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2023/12/06/office-of-financial-research-report-2023/</loc>
    </url>
  
    <url>
      <loc>/annual-reports/2023-annual-report/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2023/12/05/trend-inflation-under-bounded-rationality/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/12/05/model-analyze-effects-trend-inflation/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2023/11/22/remarks-by-james-martin-financial-stability-conference/</loc>
    </url>
  
    <url>
      <loc>/conferences/2023/11/08/2023-financial-stability-conference/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2023/10/27/remarks-by-james-martin-at-ofr-2023-phd-symposium/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2023/10/11/are-short-selling-restrictions-effective/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/10/11/are-short-selling-restrictions-effective/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/08/31/twelve-years-of-promoting-financial-stability/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2023/08/31/ofr-launches-linkedin-page/</loc>
    </url>
  
    <url>
      <loc>/briefs/2023/08/24/work-from-home-and-commercial-real-estate/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2023/07/28/remarks-by-ofr-acting-director-james-martin-to-the-financial-stability-oversight-council/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2023/07/28/office-of-financial-research-launches-joint-analysis-data-environment-for-fsoc/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2023/07/11/call-for-papers-october-2023-phd-symposium/</loc>
    </url>
  
    <url>
      <loc>/conferences/2023/07/11/2023-phd-symposium/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2023/06/27/transition-alternative-reference-rates-in-ofr-financial-stress-index/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2023/06/27/ofr-updates-financial-stress-index-with-alternative-reference-rate-indicators/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2023/06/12/technology-shocks-and-predictable-minsky-cycles/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2023/06/08/OFR-s-2023-interagency-data-inventory-catalogs-more-than-500-data-collections/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/06/01/five-office-sector-metrics-to-watch/</loc>
    </url>
  
    <url>
      <loc>/from-the-director/2023/05/31/OFR-plays-a-leading-role-in-developing-standards-for-emerging-technologies/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/05/30/data-analysis-shows-high-growth-high-concentration-in-digital-asset-market/</loc>
    </url>
  
    <url>
      <loc>/briefs/2023/05/30/an-early-look-into-digital-assets-regulatory-data/</loc>
    </url>
  
    <url>
      <loc>/frac/2023/05/18/committee-meeting/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2023/05/18/remarks-by-james-martin-to-the-financial-research-advisory-committee/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2023/05/16/sustainability-with-risky-growth/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/05/16/threats-to-sustainability-stem/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/05/12/why-is-so-much-repo-not-centrally-cleared/</loc>
    </url>
  
    <url>
      <loc>/from-the-director/2023/05/12/update-on-ofr-s-efforts-to-fill-key-gap-in-financial-data/</loc>
    </url>
  
    <url>
      <loc>/briefs/2023/05/12/why-is-so-much-repo-not-centrally-cleared/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2023/05/05/remarks-of-James-Martin-at-the-OFR-s-rising-scholars-conference/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2023/04/25/anatomy-of-the-repo-rate-spikes-in-september-2019/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/04/25/ofr-identifies-factors-that-may-have-contributed-to-the-2019-spike-in-repo-rates/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2023/04/20/can-supply-shocks-be-inflationary-with-a-flat-phillips-curve/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/04/20/ofr-creates-model-justifying-long-held-view-about-inflation-determinants/</loc>
    </url>
  
    <url>
      <loc>/conferences/2023/04/20/rising-scholars-conference/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2023/04/11/remarks-of-james-martin-at-regtech-summit/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2023/04/06/ofr-advances-data-and-analytics-platform-following-successful-pilot/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2023/04/03/fragility-of-safe-assets/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/04/03/ofr-models-one-theory-on-the-cause-of-march-2020s-treasury-market-fragility/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/03/23/risk-from-the-real-estate-market/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2023/03/22/digital-currency-and-banking-sector-stability/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/03/22/digital-currency-may-increase-household-welfare/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/03/07/five-risk-areas-that-financial-regulators-should-watch-in-2023/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/02/28/ofr-announces-event-for-new-and-aspiring-phd-scholars/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/02/13/central-counterparties-lessons-learned-from-lmes-nickel-market-closure/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2023/02/07/ofr-identifies-three-ways-defi-growth-could-threaten-financial-stability/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2023/01/12/ofr-finds-elevated-threats-to-u-s-financial-stability/</loc>
    </url>
  
    <url>
      <loc>/annual-reports/2022-annual-report/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2023/01/05/office-of-financial-research-releases-proposal-to-collect-data-on-certain-repo-transactions/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2022/12/27/hedge-fund-activities-can-influence-the-us-treasury-yield-curve/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2022/12/05/fr-sheds-light-on-dark-corner-of-the-repo-market/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2022/11/18/remarks-by-james-martin-fin-stab-conference/</loc>
    </url>
  
    <url>
      <loc>/frac/2022/11/08/committee-meeting/</loc>
    </url>
  
    <url>
      <loc>/public-appearances/2022/11/08/remarks-by-james-martin-to-the-FRAC/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2022/11/07/ofr-enhances-fird/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2022/09/29/when-choosing-counterparties-banks-tend-to-pick-riskier-ones/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2022/09/22/counterparty-choice-bank-interconnectedness-and-bank-risk-taking/</loc>
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    <url>
      <loc>/public-appearances/2022/09/09/remarks-of-james-martin-at-the-climate-implications-for-financial-stability-conference/</loc>
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      <loc>/conferences/2022/09/09/climate-implications-for-financial-stability-conference/</loc>
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      <loc>/the-ofr-blog/2022/08/24/non-centrally-cleared-bilateral-repo/</loc>
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      <loc>/working-papers/2022/08/23/hedge-funds-and-treasury-market-price-impact/</loc>
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      <loc>/the-ofr-blog/2022/08/08/how-would-a-central-bank-digital-currency-affect-financial-stability/</loc>
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      <loc>/the-ofr-blog/2022/08/05/ofr-accepting-applications-for-frac/</loc>
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      <loc>/the-ofr-blog/2022/07/19/US-Commercial-Real-Estate-Has-Proven-Resilient/</loc>
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      <loc>/briefs/2022/07/19/us-commercial-real-estate-has-proven-resilient/</loc>
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      <loc>/the-ofr-blog/2021/01/06/banking-credit-system-1970-2020/</loc>
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      <loc>/frac/2020/07/16/committee-meeting/</loc>
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      <loc>/briefs/2020/07/16/basis-trades-and-treasury-market-illiquidity/</loc>
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      <loc>/from-the-director/2020/07/01/a-mission-focused-year-at-ofr/</loc>
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      <loc>/working-papers/2020/06/18/central-counterparty-default-waterfalls-and-systemic-loss/</loc>
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      <loc>/working-papers/2019/10/01/the-life-of-the-counterparty/</loc>
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      <loc>/congressional-testimony/2019/09/25/promoting-financial-stability-assessing-threats-to-the-us-financial-system/</loc>
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      <loc>/working-papers/2019/08/06/the-effects-of-the-volcker-rule-on-corporate-bond-trading/</loc>
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      <loc>/press-releases/2019/06/27/dino-falaschetti-confirmed-as-director-of-the-office-of-financial-research/</loc>
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      <loc>/the-ofr-blog/2017/12/21/updated-bank-data-show-rising-systemic-importance-of-asian-banks/</loc>
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      <loc>/working-papers/2017/12/15/investor-concentration-in-hedge-funds/</loc>
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      <loc>/the-ofr-blog/2017/12/15/how-do-hedge-funds-with-a-few-big-investors-manage-the-risk-of-runs/</loc>
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      <loc>/congressional-testimony/2017/12/07/examining-the-office-of-financial-research/</loc>
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      <loc>/the-ofr-blog/2017/11/22/ofr-update-on-bilateral-repo-collection/</loc>
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      <loc>/press-releases/2017/11/21/ofr-releases-study-on-improving-workplace-culture/</loc>
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      <loc>/the-ofr-blog/2017/11/15/report-describes-benefits-of-legal-entity-identifier/</loc>
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      <loc>/working-papers/2017/11/02/how-safe-are-ccps/</loc>
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      <loc>/public-appearances/2017/11/02/globalization-and-financial-stability/</loc>
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      <loc>/briefs/2017/02/22/stress-testing-ccp/</loc>
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      <loc>/public-appearances/2016/06/16/conference-on-the-interplay-between-financial-regulations-resilliance-and-growth/</loc>
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      <loc>/the-ofr-blog/2016/06/09/ofr-and-partners-hold-contest-to-link-identifiers/</loc>
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    <url>
      <loc>/the-ofr-blog/2012/12/21/ofr-working-paper-explores-innovative-models-for-analyzing-threats-to-financial-stability/</loc>
    </url>
  
    <url>
      <loc>/conferences/2012/12/06/assessing-financial-intermediation-measurement-and-analysis/</loc>
    </url>
  
    <url>
      <loc>/frac/2012/12/05/committee-meeting/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2012/11/14/treasury-announces-members-for-new-financial-research-advisory-committee/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2012/07/20/ofr-releases-inaugural-annual-report/</loc>
    </url>
  
    <url>
      <loc>/annual-reports/2012-annual-report/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2012/06/01/milestone-reached-for-the-clobal-initiative-to-establish-a-legal-entity-identifier-lei/</loc>
    </url>
  
    <url>
      <loc>/congressional-testimony/2012/04/19/oversight-and-investigations-on-budget-hearing/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2012/03/26/forging-best-practices-in-risk-management/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2012/03/26/ofr-working-paper-series-continues-with-forging-best-practices-in-risk-management/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2012/03/22/treasurys-office-of-financial-research-announces-advisory-committee/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2012/01/19/applauding-progress-on-the-global-lei-initiative/</loc>
    </url>
  
    <url>
      <loc>/the-ofr-blog/2012/01/11/launching-the-ofr-working-paper-series-with-a-survey-of-systemic-risk-analytics/</loc>
    </url>
  
    <url>
      <loc>/working-papers/2012/01/05/a-survey-of-systemic-risk-analytics/</loc>
    </url>
  
    <url>
      <loc>/conferences/2011/12/01/the-macroprudential-toolkit-measurement-and-analysis/</loc>
    </url>
  
    <url>
      <loc>/from-the-director/2011/11/02/update-on-wall-street-reform-shining-a-light-into-the-dark-corners-of-our-financial-system/</loc>
    </url>
  
    <url>
      <loc>/press-releases/2011/08/12/office-of-financial-research-issues-statement-on-progress-to-date-and-next-steps-forward-in-the-global-initiative-to-establish-a-legal-entity-identifier/</loc>
    </url>
  
    <url>
      <loc>/congressional-testimony/2011/07/14/oversight-of-the-ofr-and-the-fsoc/</loc>
    </url>
  
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
    
  
</urlset>
