The next credit gap: When BNPL, rent and trended data collide
As mortgage underwriting absorbs Buy Now, Pay Later (BNPL) activity, rent payment history and trended credit data, consumers face a new challenge: understanding how everyday financial behavior is being interpreted by increasingly sophisticated scoring systems. Credit modernization is not the problem
ROAD work ahead
A fiendishly brilliant advertising copywriter working for Benetton during the “hanging chads” Presidential election controversy in 1992 took a circa-1973 Yogi Berraism and transformed it for a New York City billboard on the heavily trafficked northbound West Side Highway. “It ain’t Oval ‘til it’s Ov
FHFA pushes GSEs to embrace chattel loans in Duty to Serve proposal
The Federal Housing Finance Agency (FHFA) has proposed replacing its existing Duty to Serve (DTS) regulation with an outcome-based framework that would change how Fannie Mae and Freddie Mac support manufactured housing, affordable housing preservation and rural housing. The proposal, released in a n
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