Research

Latest Research

This report delves into the evolving landscape of small business lending following the pandemic, identifying significant trends that are shaping the lending ecosystem. As the economy improves, lenders will face critical decisions about how to meet the capital needs of more small businesses, including record numbers of minority- and women-owned startups since 2020.
FinRegLab is launching a ground-breaking comparison of the financial inclusion benefits of using machine learning underwriting models with and without cash-flow data to increase responsible access to credit for consumers who may otherwise find it difficult to obtain safe and affordable loans.
This research brief highlights the need for consumer engagement and administrative flexibility to help distressed borrowers transition smoothly into longer-term repayment plans as pandemic deferral programs end and new programs are implemented.