FinRegLab –
An Independent Innovation Center


FinRegLab is a nonprofit innovation center that tests new technologies and data to inform public policy and drive the financial sector toward a safe and responsible financial marketplace. With our research insights, we facilitate discourse across the financial ecosystem to inform public policy and market practices.


Research Focus Areas


Our research priorities are informed through engagement with policymakers and with input from industry, academia, and advocate groups. Through our empirical work, market monitoring, and convening activities, we produce timely reports that provide fact-based insights and legal and policy analysis to inform the financial sector.

AI in Financial Services

AI and machine learning are transforming many aspects of financial services, but broader adoption will depend on resolving explainability, reliability, and fairness questions.

Alternative Data in Credit Underwriting

Data from bank accounts and utility, telecom and rental payments are some of the most promising forms of non-traditional data to expand responsible access to credit for consumers and small businesses.

Innovations for Underwriting Small Business Enterprises

We are investigating the potential for technology and non-traditional data sources to improve credit access for underserved small businesses.

Contact Us

Interested in working with us? Got a perspective on a policy matter or research topic? Get in touch.