Forward this Session

Forward this Session

EMPOWERING CONSUMERS, EMPOWERING LENDERS: SHIFTS IN CONSUMER CREDIT DECISIONING

A key ingredient for accessing high quality credit is having a positive credit profile, yet millions of Americans have damaged, thin, or no credit files in the mainstream bureaus. This is particularly challenging for low- and moderate income Americans, for whom a positive credit profile is a vital component of multiple aspects of their lives, including housing and often employment. This session will feature new research on how financial institutions can help consumers they might otherwise turn down to build or rebuild their credit profiles. The research presentation will be followed by a panel discussion of the latest trends in enhanced credit data and analytics as well as the regulatory challenges and opportunities for increasing access to credit for underserved consumers.

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