Humic acid solutions are not fully mineralized after catalytic ozonation. Intermediate products formed during catalytic ozonation are identified. Depending on the aromatics of organic matter, the treatment efficiency varies. Oxidation by-products Ethylbenzene 4-Heptyloxyphenol P-Propyltoluene Hydroxydione Propanoic acid (2E)-3-Methyl-2-penten-1-ol Carboxylic acid Benzaldehyde Aminocaproic acid 2 , 4-d i h ydroxy-6-(2'-oxoheptyl)benzaldehyde Hexenoic acid 2-O c t yltetrahydrofuran 2-Hydroxyheptanoic acid O x o l a n e-2-peroxol Isopropyl Acetate Oxirane Acetonylacetone Spiro[bicyclo[2.2.1]heptane-2,1'-cyclopropane]-5-ene Methyl cyclopropane carboxylate Table A. Oxidation by-products in humic acid solutions oxidized with the AgNP@MMT/O3 process Purpose: In catalytic ozonation processes, the ultimate aim is to oxidize the pollutant to the end product, but as a result of the chain oxidation reactions, some intermediates cannot be oxidized to the end product, and after disinfection of the effluent waters, some toxic/carcinogenic/mutagenic intermediates may occur. This study focuses on the oxidation by-products that occur during the removal of natural organic matter from the aquatic environment through catalytic ozonation processes. Theory and Methods: In this study, the treatment of humic acid (HA) solutions that represent natural organic materials in surface waters and prepared synthetically, by montmorillonite enriched with silver-based nanoparticles (AgNP@MMT) catalyzed ozonation processes was investigated. In the treatability experiments, the effects of different doses of catalysts on humic acid degradation were investigated. Also, catalytic ozonation performance was investigated in the presence of tert-butyl alcohol (TBA) known as an organic radical scavenger. After the catalytic ozonation experiments, excess chlorine was added to sub-samples that was taken the reactor effluent and allowed to incubate. Thus, the formation of oxidation by-products has been achieved. Trihalomethane (THM) and Haloacetic Acid (HAA) species formed by the disinfection process with chlorine were analyzed quantitatively and other oxidation intermediates were determined qualitatively. Results: Degradation of HA and changes in aliphatic-aromatic structure were observed in treatment studies where catalyst doses were changed. The variability in the removal of DOC depending on the increase in the amount of catalyst was between 67.80-76.61%. Besides, the presence of •OH radicals in heterogeneous catalytic ozonation has been indicated using TBA, known as organic radical scavengers. The formation potential of THM and HAA was decreased by a maximum of 79.50% and 80.40% depending on the catalyst dose and time increase. UV220-272 results showed that high molecular weight HAs catalytically degraded to low molecular weight organic compounds. Small molecular weight intermediates resulting from the degradation of HA by catalytic ozonation react with •OH in the medium and form different intermediate product groups. When the structure of the interm...