What traditional models miss about today's borrowers

As regulations continue to change, financial institutions must establish robust risk management practices and adopt technology that matches the scale and speed of compliance requirements.

Key priorities include:

• Strengthening model governance and transparency
• Enhancing explainability and responsible AI integration
• Reducing compliance burden through seamless automation
• Ensuring consistency across model validation and approval processes

Read our full report to learn more about the growing importance of monitoring, transparency, and automation in model risk management.

This white paper explores the transformative potential of Home Equity Lines of Credit (HELOCs) in 2025, a year marked by record-high homeowner equity and shifting consumer credit behavior. It offers data-driven insights into how lenders can tap into the $29 trillion in untapped equity by leveraging advanced analytics, behavioral segmentation, and digital innovation to meet evolving borrower needs.

Key Takeaways:

• $29T in Untapped Equity: Millions of homeowners are ideal HELOC candidates but remain underserved.
• Behavior Gap: Many consumers default to credit cards due to misconceptions about HELOCs.
• Smart Targeting: Use data to identify Revolvers and tailor offers that resonate.
• Digital Advantage: Compete with fintechs by streamlining approvals and closings.

Join our speakers Ankit Sinha and Erin Haselkorn to discover how Experian’s AI solutions help financial institutions accelerate the modeling lifecycle, integrate efficient feature deployment, and achieve regulatory compliance.

Learn from our experts about:

• New automation in model building and deployment
• Model governance and compliance
• Innovative ways to leverage data throughout the customer lifecycle

Join Experian for an exclusive look into the forces reshaping the rental housing landscape. This webinar reveals how shifting renter demographics, rising affordability pressures, and evolving credit behaviors are impacting the market. Discover actionable insights on rent trends, payment risk, and the power of rent reporting—plus, get ahead of macroeconomic shifts influencing housing demand in 2025.