Advancing the safe & smart 
use of technology & data
in financial services

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 responsible and inclusive 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.

Building Inclusive Recoveries

We are studying ways that technology and data can facilitate emergency triage and long-term recovery of vulnerable populations, both from COVID-19 and other financial shocks.

Data for Underwriting MSEs in Emerging Markets

We are evaluating new data sources for credit underwriting of micro and small enterprises (MSEs) in Kenya, with a particular focus on women-owned small businesses.

Innovations for Underwriting Minority and Small Business Enterprises

We are investigating the potential for non-traditional data sources and mission-based lenders to improve credit access for minority-owned companies and other underserved small businesses.

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

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