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.

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.

This report details the experiences of mission-based lenders such as community development financial institutions (CDFIs) and minority depository institutions (MDIs) as they adopt electronic bank account data and lending platforms to increase lending to minority-owned businesses and other underserved entrepreneurs. The paper provides both a practical snapshot of how lenders manage data and technology adoption today and a broader analysis of issues that will shape their ability to serve substantially larger numbers of entrepreneurs going forward.

This empirical paper analyzes the impacts on predictive accuracy and credit access of incorporating electronic cash-flow data into small business underwriting models using data from two fintech lenders that lend to a broad spectrum of customers.

The Federal Reserve Board will be hosting its second annual financial inclusion conference "Unleashing a Financially Inclusive Future" on July 15 in Washington, D.C. The event will feature speeches, presentations, and discussions on various financial inclusion topics with Federal Reserve leaders, academics, industry stakeholders, consumer and community organizations, and thought leaders.