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The Consumer Financial Protection Bureau (CFPB) now has the ability to write and enforce 18 consumer protection laws that guide financial products and services....
Auditing provides the organization with assurance that all financial controls are in place to ensure that trust account funds are maintained, access to financial...
Even as interest rates remain at near-record lows, mortgage originations declined for the second quarter in a row in Q2 2011 to $268 billion,...
By: Mike Horrocks Henry Ford is credited to have said “Coming together is a beginning. Keeping together is progress. Working together is success.” This...
VantageScore® polled risk professionals about how they are measuring score performance, and 60 percent of respondents said they are now using metrics beyond the...
By: Joel Pruis Some of you may be thinking finally we get to the meat of the matter. Yes the decision strategies are extremely important...
Lenders continued to increase their appetite for risk in Q2 2011, with new vehicle loans for customers with credit outside of prime increasing by...
Experian® QAS®, a leading provider of address verification software and services, recently released a new benchmark report on the data quality practices of top...
A recent Experian credit trends study showcases the types of debts Americans have, the amounts they owe and the differences between generations. Nationally, the...
In Q3 2011, $143 billion – or nearly 44 percent of the $327 billion in new mortgage originations – was generated by VantageScore® A...
In my last two posts on bankcard and auto originations, I provided evidence as to why lenders have reason to feel optimistic about their...
Lenders are increasing loans to credit-challenged customers. According to Experian’s quarterly automotive credit analysis, 21.87 percent of all new vehicle loans went to customers...
In 2010, lenders began to change their focus from maintaining to growing portfolios. Most strategies focused on marketing to the least risky tiers of...
While retail card utilization rates decreased slightly in Q3 2011, retail card delinquency rates increased for all performance bands (30-59, 60-89 and 90-180 days...
Experian’s recently released study on the credit card and mortgage payment behaviors* of consumers both nationally and in the top 30 Metropolitan Statistical Areas...