Underwriting, affordability, loan performance and consumer protections.
109 of 109 entries. Dates use publication dates for news/research and recorded source dates for policy; undated entries are excluded by date filters.
Services activity, September Fed meeting minutes and early October consumer sentiment lead a full U.S. trading week. PepsiCo and Delta provide company-level views of household demand, while trade, consumer credit and weekly claims add detail on the economy.
Published: Oct 4, 2026Crate & Barrel Holdings and Affirm announced September 29 that eligible customers at Crate & Barrel, Crate & Barrel Kids and CB2 in the United States and Canada can use Affirm online and in stores. The options include biweekly or monthly payments starting at 0% APR, subject to eligibility and product terms.
Published: Sep 29, 2026A September 28 correction to Governor Michael Barr’s September 23 housing speech states that about 20 percent of rental units rented for $1,000 or less in 2024, compared with 55 percent in 1980 after inflation adjustment.
Published: Sep 28, 2026J.D. Power’s September 28 Banking and Payments Intelligence Report finds that 63% of surveyed U.S. consumers were financially unhealthy in August, a three-percentage-point improvement. Yet 76% reported changing everyday spending to address affordability concerns, and 27% delayed discretionary purchases. The report is based on 4,000 consumers surveyed in August 2026. Its financial-health classification combines several household measures; it is not a credit-card delinquency rate.
Published: Sep 28, 2026Reuters’ September 28 morning report described higher oil prices and longer-dated Treasury yields following renewed uncertainty over negotiations with Iran. Its cited market snapshot was 8:40 AM Eastern, not a closing observation. Separately, Freddie Mac’s September 24 weekly survey put the average 30-year fixed mortgage rate at 7.03%, up from 6.95%. Together, the developments put funding costs and household purchasing power in focus, but they do not mean that every consumer loan reprices immediately.
Published: Sep 28, 2026Utah announced its participation in a Credit Acceptance settlement providing $694 million in cash restitution and canceled debt nationwide. The headline amount is not all cash. Utah's announcement identifies 124 affected consumers and approximately $1.9 million in state-related relief, including amounts paid directly to the state. The states alleged unaffordable lending and inadequate oversight of dealer add-on products; those allegations should remain attributed.
Published: Sep 27, 2026Affirm announced a transformer-based underwriting model on September 17 and reported 3.4% more completed purchases against a control group. Its technical account describes a transformer feeding learned credit representations into an XGBoost risk model.
Published: Sep 27, 2026Affirm announced a phased Amazon.co.uk rollout on September 23: three interest-free monthly payments or an interest-bearing plan up to 48 months, with a 22% representative fixed APR. Eligible baskets start at £50, subject to approval and exclusions.
Published: Sep 27, 2026Household delinquency, bankcard balances, minimum payments and purchase APRs point to uneven payment pressure, with meaningful differences by product and borrower.
Published: Sep 26, 2026Cash-flow underwriting is already used in bank, CDFI, merchant and mortgage workflows. This expanded review maps adopters and motives, separates historical adoption statistics from live coverage, examines predictive and adverse evidence, and explains affordability, operational, economic and governance risks.
Published: Oct 4, 2026The MLA’s pricing and contract protections shape how covered credit can be offered. A useful product must meet those requirements while delivering understandable cost and reliable access.
Published: Oct 4, 2026Fortiva combines a retail second-look program and general-purpose credit cards within Atlanticus’s bank-partner model. Its commercial claims, borrower terms and parent-company portfolio results describe different populations.
Published: Oct 4, 2026Second-look financing can connect declined applicants with additional products; offer quality, completed purchases, funding resilience and repayment determine what the apparent approval lift means.
Published: Oct 4, 2026Affirm’s internal model illustrates how prediction changes checkout outcomes. Separate the experiment, the reported production deployment and value to merchants and borrowers.
Published: Oct 4, 2026Barclays’ completed Best Egg acquisition broadens its U.S. platform. Compare card relationships, installment-loan distribution and online funding through customer needs and retained economics.
Published: Oct 4, 2026Executive Order 14393 directs consideration of changes across mortgage finance. Affordability gains depend on implemented measures, competitive pass-through and local housing constraints.
Published: Oct 4, 2026Effective collection depends on accurate debt information, usable communication and sustainable resolution, alongside the rule’s contact and dispute requirements.
Published: Oct 4, 2026RAROC relates a defined profit measure to the capital supporting the business. Use it to compare opportunities while keeping funding, expected losses, operating costs and scarce balance-sheet capacity visible.
Published: Oct 4, 2026When a financed sale carries preserved claims and defenses, the quality of the seller’s performance can affect the value and servicing of the resulting loan.
Published: Oct 4, 2026The 1MDB resolution connected lucrative bond underwriting to admitted bribery and ignored warning signs. Its coordinated penalties, separate Malaysian settlement and later dismissal of the parent charge require careful separation.
Published: Oct 4, 2026Trading in a vehicle does not erase its unpaid debt. When the payoff exceeds the trade-in value, rolling the difference into another loan transfers old borrowing into the new vehicle’s financing and changes both affordability and collateral coverage.
Published: Oct 4, 2026BARR_154 substitute adopted September 16; proposed changes are not current law.
Source date: Sep 16, 2026Introduced text; compare with the subsequently adopted committee substitute.
Source date: Aug 31, 2026Transmits version 2.0 of the allowance handbook under ASC Topic 326, replacing the 2021 booklet and older loan-and-lease-loss material. Reflects CECL adoption and the April 2023 interagency allowance-policy revisions.
Source date: Jul 16, 2026Final amendments addressing disparate impact, discouragement and special-purpose credit programs. The Federal Register specifies July 21, 2026 as the effective date; the CFPB’s current ECOA resource page links this action. Read the amended text when using older fair-lending examination materials.
Source date: Apr 22, 2026OCC examination handbook addressing UDAP and UDAAP risks. Read with the underlying statutory standards when reviewing product terms, marketing, servicing and consumer harm. The catalog dates this edition December 3, 2024.
Source date: Dec 3, 2024Covers loans with four or fewer installments and no finance charge, including repayment capacity, fraud, refunds and partner oversight. Reputation-risk references were removed March 20, 2025. Its older model-risk citation should be read alongside the replacement SR 26-2 guidance.
Source date: Dec 6, 2023March 2022 procedures incorporate Regulation F and cover communications, debt validation, information sharing, payment processing and account maintenance. Examination scope determines the modules used.
Source date: Mar 1, 2022The January 2022 opinion explains the rule’s relationship to independent state-law rights to attorney fees and costs; it is not a universal fee entitlement.
Source date: Jan 20, 2022Retail lending strategy, underwriting, portfolio monitoring, collections and controls; useful context for roll rates and risk-adjusted pricing.
Source date: Oct 28, 2021Principles for responsibly offering small-dollar credit, with attention to successful repayment, clear terms and sound risk management. Provides product-design context alongside applicable consumer-credit rules.
Source date: May 20, 2020Explains repricing, basis, yield-curve and option risk and the management of those exposures. Supports analysis of variable-rate cards, fixed-rate installments and funding-cost sensitivity.
Source date: Mar 26, 2020Addresses consumer-protection opportunities and risks from alternative underwriting data, including cash-flow data. Encourages analysis of applicable laws and compliance controls before deployment; it does not exempt a model from consumer-protection requirements.
Source date: Dec 3, 2019