Bill Hamm is an economics consultant with high-level experience in both business and government.

An expert on banking, mortgage lending, loan servicing, and public finance, he has been the executive vice-president/chief operating officer of a AAA-rated $50-billion bank. He has also run a $1.5-billion loan servicing business unit for an S&P 500 company.

Prior to entering the private sector, Dr. Hamm headed the non-partisan Legislative Analyst’s Office in California, where he earned a nationwide reputation for objectivity, expertise, and credibility on public policy issues ranging from taxation to healthcare. He also spent eight years in the Executive Office of the President in Washington, DC, where he headed a division of the Office of Management and Budget responsible for analyzing the programs and budgets of the Department of Labor, the Department of Housing and Urban Development, the Veterans Administration, and other federal agencies.

Dr. Hamm specializes in helping courts, legislative bodies, and the public develop a sound understanding of complex economic and public policy issues. During the past twenty years, he has given expert testimony at twenty-four trials and has spent more than eighty-five days on the witness stand. His expert opinions have addressed lost profits, reliance damages, restitution, just compensation for takings, interest-rate risk management, product profitability, predatory lending, prejudgment interest, and economic impact analysis.

Dr. Hamm has a BA from Dartmouth College and a PhD in economics from the University of Michigan. His doctoral dissertation is titled “Wage Determination in Public Utilities.” He is a member of the American Economic Association and the American Law and Economics Association; a fellow of the National Academy for Public Administration; and a director of the Grameen Foundation, an international not-for-profit organization that develops innovative, sustainable solutions to fight global poverty and hunger.

Employment History

Managing director
1996 – 2010

Federal Home Loan Bank of San Francisco
Executive vice president, chief operating officer
1992 – 1995
Senior vice president
1991 – 1992

World Savings and Loan Association
Vice president – Loan Service manager
1988 – 1990
Vice president – director of Operations Analysis
1986 – 1988

State of California Legislative Analyst
1977 – 1986

Executive Office of the President – Office of Management and Budget
Deputy associate director – Division chief
1976 – 1977
Assistant division director – Chief of HUD Branch
1972 – 1976
Budget analyst
1969 – 1972

Professional Affiliations

American Economic Association

National Academy of Public Administration

Commonwealth Club

American Law and Economics Association

Freedom From Hunger


Council on Excellence in Government
Founding principal

National Academy of Public Administration Panel for Improving Healthcare and Services to Veterans

National Academy of Public Administration Panel for Improving the Small Business Administration’s Effectiveness

National Academy of Public Administration Panel for Improving Management/Operations

California Institute for County Government

National Academy of Public Administration Panel for Improving the Financial Stability of the Presidio Trust

Advisory Panel of the California Earthquake Authority

PrimeTech, Inc.

California Citizens Budget Commission

Dean’s Advisory Council, San Francisco State University

Board of Visitors, Institute for Public Policy, Duke University

Dean’s Advisory Council, Graduate School of Management, University of California/Davis
Founding member

Western Legislative Fiscal Officers Association

Grameen Foundation

Areas of Expertise


University of Michigan
PhD, Economics, 1969
MA, Economics, 1966

Dartmouth College
AB, Government, 1964


William A. Jump Memorial Foundation Meritorious Award for Exemplary Achievement in Public Administration

Institute for Public Utilities Fellowship
University of Michigan, 1968

NSF Fellowship
National Science Foundation, 1967

Phi Beta Kappa
Dartmouth College, 1964

Colby Prize (shared)
Dartmouth College, 1964

Institute for Labor and Industrial Relations Fellowship
University of Michigan, 1964