Welcome to Fintalk, a weekly blog and email newsletter that shares experiences, lessons learned, and perspectives from the very frontier of consumer finance and it’s regulation.

What makes us different: no academics, wonks, or journalists. This blog is written by industry veterans for other industry veterans drawing upon personal experiences with practical insights to help you in your own work.


Reading the tea leaves: regulators come out on ‘alternative’ data

Last week, Federal Regulators Issued a Joint Statement on the Use of Alternative Data in Credit Underwriting. Within their statement, they affirmed the consumer benefits of alternative data in its use in lending: "… the use of alternative data may improve the speed and accuracy of credit decisions…using alternative data may enable consumers to obtain additional products and/or more favorable pricing/terms based on enhanced assessments of repayment capacity. These innovations


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