2025 Bank Policy Predictions: Another Swing of the Political Pendulum
Stay ahead in 2025 with timely analysis on banking policy predictions and strategic insights for regulatory compliance professionals
Policy Predictions 2024: Navigating Regulatory Uncertainty in Banking
Upcoming US elections loom over the outlook for the US financial services industry, but regulations on AI, open banking and more are expected
The Perfect Credit Score: Understanding the 850 FICO Score
What do credit score high achievers have in common and what can we learn from the credit behavioral characteristics in these populations?
Are Student Loan Holders at Risk as Deferments Expire?
Factors driving credit score decreases observed among student loan holders involved behaviors such as delinquency on credit products including bankcards, auto loans, and mortgages
Four 2023 U.S. Policy Predictions for Financial Services Companies
Open banking, BNPL, cybersecurity and AI will all be under the microscope for regulators and policymakers, but not all areas will see major action in 2023
In-depth look at the distribution of average U.S. FICO® Scores in 2022
The national average FICO Score did not go up for the first time in over a decade, a trend that’s seen at the city and state level across the nation
Deep Dive into Distribution of the FICO® Score Across the US
Recent increase in the average FICO® Score is reflective, in part, of impacts that the pandemic has had on U.S. consumers’ credit behavior, credit report, and credit history.
Public Policy Predictions 2022: What's Coming for Financial Services
From Open Banking opportunities to overdraft rules, here are my predictions for changes in public policy
Simulated FICO Score Impacts from Balance Aggregation due to Mortgage Forbearance
Research shows balance aggregation results in modest impact to FICO® Scores
Financial Policy Predictions 2021: Meaningful Changes Ahead
2021 is poised to bring about some meaningful and positive developments in Washington for the financial services industry
Simulated FICO Score Impacts due to Mortgage Forbearance
Analysis identified modest impacts to FICO Scores from forbearance-related potential increases in mortgage balance.
Protecting Your Credit during the Coronavirus Outbreak
Stay informed as you manage your credit health through the Coronavirus outbreak.
Finance Policy Predictions 2020: AML, Authentication, Collections & CRA
From safeguarding your identity to fighting money laundering, here's what I predict US lawmakers will do this year
A Deep Dive into the Distribution of the FICO Score Across the US
What states and cities have the highest average FICO Score?
Truncation Bias in Score Validations: When Rejected Applications Strike Back
The set-up of a score validation can greatly influence model performance results — and sometimes inflate them
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