CFPB Monitor

NOVEMBER 10, 2016

The CFPB was represented by Victoria Pawelski, Counsel, Supervision Policy, Supervision, Enforcement and Fair Lending. In addition to a CFPB representative, the presenters included representatives from the Fed, FDIC, OCC and NCUA. On November 9, 2016, the Federal Reserve hosted a webinar on overdraft practices.

FDIC 76

FDIC Policies Lending Report 76

CFPB Monitor

NOVEMBER 1, 2021

With help from Ballard Spahr colleagues Mindy Harris and Ron Vaske, I have now completed a months-long project in updating and expanding a 2017 White Paper addressing bank-model lending—programs involving partnerships between banks (or savings associations) and fintech or other nonbank companies in the interstate delivery of loans.

Lending 78

Lending Maryland FDIC Analysis 78

Jeff For Banks

JUNE 20, 2017

So what am I talking about, that deposit insurance is why banks don't do like FinTech lending firms and use alternatives to the FICO score in underwriting consumer credits? They have to find out later, after a bureaucrat in Washington does a white paper. But bankers won't know that when they establish the criteria.

Data 60

Data FDIC Regulation Washington 60

FICO

MARCH 8, 2021

We’ve conducted research and developed frameworks that are used to assess many types of alternative data sources used in credit decisions (for more, see our recent white paper ). The use of this type of alternative data for credit scoring and, ultimately, consumer lending is promising for several reasons.

Data 52

Data Innovation Examples Study 52

CFPB Monitor

APRIL 19, 2022

At the end of last year, we completed a months-long project in updating and expanding a 2017 White Paper addressing bank-model lending—programs involving partnerships between banks (or savings associations) and fintech or other nonbank companies in the interstate delivery of loans.

California 78

California Innovation Utah United States 78

William Mills

SEPTEMBER 9, 2016

International lending platform – Create opportunities for Investors. 2015 formed aspire to address inefficiencies in alternative lending market. This sounds like the best of both worlds – social funding for SMB’s with the backing of their FDIC-insurance bank. Download: 10 Reasons Why Fintech Startups Fail White Paper.

social media 40

social media ATM Mobile Customer Experience 40