FinRegLab has launched a project to assess and shape the next generation of AI-enabled tools designed to help consumers manage and build their financial lives.

FinRegLab is evaluating the use of digital banking data to measure small business financial health, evaluate the effects of loan capital on business outcomes, and examine the contribution of entrepreneurship to wealth building in underserved communities.

Just a year after the inaugural FinRegLab AI Symposium highlighted the inflection point facing the sector and the broader U.S. economy, participants in the 2025 Symposium described concrete impacts, evolving risks, and expanding opportunities. This report highlights key themes and insights from the event.

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.

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.

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.

FinRegLab convened its inaugural AI Symposium in November 2024, as AI advances were poised to dramatically transform the financial services landscape, creating new risks and new opportunities to promote consumer wellbeing, financial inclusion, and financial stability. This report highlights key themes and insights from the event.

FinRegLab is assessing the potential value of conducting empirical tests and other research to analyze particular data and technology solutions for identity proofing and transaction monitoring to improve financial inclusion and combat bad actors.