Race and Credit Scores: It is a Social Issue, not a Scoring Issue
Any lender worth their salt does not care about race, religion, national origin, sexual orientation, or marital status. Lending is ...
Tag: Lending
Credit Card Managers: Watch for A Dead Cat Bounce in Jobs
A “dead cat bounce” metaphor is used in the investment trade. In short, it supposes that “even a dead cat ...
Time to Tighten Lending: Bureau Data on Credit Cards, Autos, and HELOCs
Regulators are often critical of credit bureaus, but it is ironic when you consider how federal government agencies toil with ...
Neobank backed by Google adds Millions of Small Business Accounts
This brief article is found in Business Standard and speaks to a neobank in India that goes by the name ...
The Promise of DeFi Lending Services
Author's Note: At the time of publishing this article, the world is experiencing the beginnings of a second "crypto winter" ...
Expanding the Methods and Speed of Loan Payments for Banks and Other Lenders
It’s 2022 and many consumers are splitting restaurant bills with peer-to-peer (P2P) apps and initiating a wide range of payments ...
2Q2022 Bank Profits Post, Getting Ready for the Storm
As credit card issuers prepare for the perfect storm of rising interest rates and surging inflation, initial bank results indicate ...
The FICO Score and Alternative Data: Opening the Sales Funnel Is One Thing, Mitigating Risk Is Another
To build on an earlier article unpacking a new Mercator Advisory Group white paper, Credit Scoring, Fintech, and Consumer Loans: ...
CFPB: Are Late Fees to Offset Delinquency Costs, or for Revenue?
Pricing credit cards is often an art as much as a science. The card issuer faces the challenge of being ...
BNPL: Will Regulators Be Able to Figure Out Reporting?
Our view of BNPL is mixed. Consumers are ready for something new, as evidenced by the product’s growth. Lenders are ...
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