Market Trends

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Economy shows signs of stalling, while small-business ...

The Experian/Moody’s Analytics Small Business Credit Index edged up 0.9 points in Q2 2012, to 104.1 from 103.2. High-level findings from the Q2 report...

Read More Economy shows signs of stalling, while small-business credit improves
How to drill deeper into your portfolio...

The pressures for both credit unions and banks, to generate returns to drive greater earnings are ever present. According to recent data released by...

Read More How to drill deeper into your portfolio
Impact of Basel III on capital requirements...

The cumulative effect of Basel III is expected to have a substantial impact on capital requirements. The total minimum regulatory capital will increase from...

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Survey measures consumer knowledge of credit scores...

A recent survey of 1,000 representative American consumers showed that while 78 percent of respondents are aware that they have more than one credit...

Read More Survey measures consumer knowledge of credit scores
Underbanked population continues to grow...

The dramatic transformation of the financial services industry requires new advances and innovation in credit strategies to respond to the growing number of underbanked...

Read More Underbanked population continues to grow
Study shows significant increase in credit limits...

Year over year retail spend continues to trend up, translating into Bankcard balance growth and new originations. New Bankcard volumes (limits) came in at...

Read More Study shows significant increase in credit limits
Average lending decision turnaround varies across fina...

The average turnaround time to make a lending decision varies materially between financial institutions. Institutions with low-level automation are typically less competitive on price...

Read More Average lending decision turnaround varies across financial institutions
Regulators stress the importance of model validation...

As part of its expanded guidance, the Office of the Comptroller of the Currency explicitly recommends that financial services firms utilizing predictive models and...

Read More Regulators stress the importance of model validation
Mortgage delinquency rate lowest in a decade?...

A vintage analysis comparing 60 or more days past due (DPD) delinquency performance at the one-year mark for mortgages originated between 2002 and 2010...

Read More Mortgage delinquency rate lowest in a decade?
Average bankcard balances increasing...

The average bankcard balance per consumer rose to $4,359 in Q1 2012 – an 8 percent increase from the previous quarter. The increase resulted...

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Collections in today’s world: five steps for suc...

The economy is accelerating at a sluggish pace, and world headlines cause business leaders to swing between optimism and pessimism daily. Risk managers must...

Read More Collections in today’s world: five steps for success
Loan growth a top priority for small-business lenders...

Despite low demand and a shrinking pool of qualified candidates, loan growth priorities continue to rank high for most small-business lenders – both for...

Read More Loan growth a top priority for small-business lenders
Strong growth in bankcard originations for some credit...

The strongest growth in new bankcard accounts is occurring in the near-prime and subprime segments of VantageScore® C, D and F. Year-over-year (Q1 2011...

Read More Strong growth in bankcard originations for some credit tiers
What metrics are you using to measure score performanc...

VantageScore®  polled risk professionals about how they are measuring score performance, and 60 percent of respondents said they are now using metrics beyond the...

Read More What metrics are you using to measure score performance?
Use of real-time address verification increasing among...

Experian® QAS®, a leading provider of address verification software and services, recently released a new benchmark report on the data quality practices of top...

Read More Use of real-time address verification increasing among top online retailers