All posts by Guest Contributor
By: Tom Hannagan An article in American Banker* today discusses how many community banks are now discouraging new deposit gathering. We have seen many...
By: Wendy Greenawalt The final provisions included in The Credit Card Act will go into effect on August 22, 2010. Most lenders began preparing for...
US interest rates are at historically low levels, and while many Americans are taking advantage of the low interest rates and refinancing their mortgages,...
By: Kristan Frend Last week I came across a news article that said the NYPD arrested 26 people who allegedly took at least $5...
By: Kennis Wong Several weeks ago, I attended and presented at Experian’s sold-out annual conference, Vision, in Phoenix, Arizona. One of the guest speakers...
By: Kari Michel Credit risk models are used by almost every lender, and there are many choices to choose from including custom or generic models. ...
By: Staci Baker With the increase in consumer behaviors such as ‘strategic default’, it has become increasingly difficult during the past few years for...
By: Kristan Frend I recently gave a presentation on small business fraud at the annual National Association of Credit Managers (NACM) Credit Congress. Following...
By: Staci Baker As more people have become underwater on their mortgage, the decision to stay or not stay in their home has evolved...
By: Kari Michel The Federal Reserve’s decision to permit card issuers to use income estimation models to meet the Accountability, Responsibility, and Disclosure (CARD)...
By: Kari Michel Credit quality deteriorated across the credit spectrum during the recession that began in December, 2007. As the recession winds down, lenders...
By: Wendy Greenawalt The auto industry has been hit hard by this Great Recession. Recently, some good news has emerged from the captive lenders, and...
By: Staci Baker With the shift in the economy, it has become increasingly more difficult to gauge — in advance — what a consumer is...
By: Wendy Greenawalt Optimization has become somewhat of a buzzword lately being used to solve all sorts of problems. This got me thinking about what...
By: Ken Pruett I want to touch a bit on some of the third party fraud scenarios that are often top of mind with...