On March 28, Melissa Koide will join other esteemed speakers and experts at the 2025 Banking Institute. She was selected to participate in the "Clifford Lecture on Consumer Law" with Madeleine Clahane, Editor-in-Chief of the North Carolina Banking Institute journal.

FinRegLab co-hosted a convening with the Aspen Institute Financial Security Program for a level-setting conversation about challenges in identity proofing and transaction monitoring, their impacts for consumers’ financial access and stability, and emerging data and technology trends. Learn More

The 2024 FinRegLab AI Symposium presents an unparalleled opportunity for dialogue and collaboration at the intersection of financial services, technology, public policy, and social and economic impact.

FinRegLab hosted a webinar with senior federal financial regulators in January 2024 to discuss the growing use of artificial intelligence and machine learning in financial services, including credit underwriting.

FinRegLab hosted a virtual conference in April 2022 featuring research being conducted by FinRegLab and Professors Laura Blattner and Jann Spiess of the Stanford Graduate School of Business on the use of machine learning in credit underwriting, with a particular focus on their potential implications for explainability and fairness.

The U.S. Department of Commerce and National Institute of Standards and Technology, FinRegLab, and the Stanford Institute for Human-Centered Artificial Intelligence (HAI), hosted a virtual conference, “Artificial Intelligence and the Economy: Charting a Path for Responsible and Inclusive AI.”

Building on their report about the use of utility, telecommunications and rental payments history for credit underwriting, FinRegLab and the Urban Institute hosted a webinar in April 2022 to examine the current state of play and the evolving policy landscape. Leaders from the field discussed data access and quality and how to build more robust scoring and underwriting models.

FinRegLab presents a webinar with diverse leading voices from the federal regulatory community on the use of artificial intelligence in credit underwriting. The event focuses on regulators’ perspectives in relation to explainability and fairness in consumer and small business credit underwriting models where all credit stakeholders – lenders, advocates, and policymakers – are considering the implications of a broad transition to AI-based underwriting.

FinRegLab proudly presented a proposal for research on the use of federated machine learning in BSA/AML to the Central Bank of the Future Conference, which was hosted by the Federal Reserve Bank of San Francisco and the University of Michigan’s Center on Finance, Law & Policy.

The credit system plays a foundational role in helping millions of families and small business owners build better lives for themselves, strengthening local communities and the national economy in the process. Yet millions of individuals and small businesses struggle to access the credit system because of weaknesses and gaps in the type of data traditionally relied upon for credit underwriting.