FinRegLab is tracking the spread of agentic AI in financial services and e-commerce. These dynamic AI systems can be structured to respond to new information and make and execute decisions without ongoing human engagement.

This market scan report traces the adoption of agentic AI systems in financial services and e-commerce, identifying critical questions about how to tap its benefits while mitigating risks to consumers, financial services providers, and the broader economy.

The FinRegLab AI Symposium 2025 offers a special forum for collaborative dialogue at the nexus of financial innovation, public policy, the market, and society. Attendees include policymakers, technology leaders, banking and fintech executives, consumer advocates, and nonprofits to explore how we can, and should, deploy AI across the financial system to reap its powerful capabilities that are good for financial companies, the broader economy, and individuals and small businesses.

FinRegLab today released new empirical research demonstrating that adopting machine learning techniques and incorporating cash flow data into credit underwriting can significantly increase predictiveness and expand credit access for consumers—without increasing lenders’ default risk.

This empirical white paper assesses the impacts on model predictiveness and credit access of both adopting machine learning techniques and incorporating electronic bank account information (often called cash flow data) in consumer underwriting models.

Join us to explore research and analysis on the landscape around affordable credit and banking for lower-income communities.

During CBA's September 2025 Members-only webinar, join our Member Relations Team to explore CBA’s newest service, the Open Banking Portal, and see how secure data sharing is creating new opportunities for lenders and borrowers. Get a live demo and learn the next steps to get started.

The Fall Regulatory Summit is a re-imagined, rebranded, and expanded combination of our traditional Deputy and Legal Seminars. The Fall Regulatory Summit is designed as an annual in-person professional development program and networking event featuring a mix of general and breakout sessions addressing a wide range of timely and relevant issues for senior state officials responsible for policy, legislative, supervisory, and regulatory matters pertaining to banks and non-banks operating in their states.

The Cash Flow Underwriting Summit 2025 is the second assembly of credit industry leaders dedicated to exploring and advancing the utilization of alternative data in lending practices. This exclusive executive summit is by invitation only and will deliver keynote addresses and panel discussions led by industry pioneers and partners. Participants can expect insightful case-based workshops, visionary addresses, and ample networking opportunities aimed at shaping the future of lending.

A new empirical study from FinRegLab finds that cash-flow data can help lenders underwrite small businesses more accurately, particularly when evaluating early-stage companies and financially constrained entrepreneurs that often struggle to access credit because lenders consider them to be higher risk.