FinRegLab research highlights the benefits of combining short-term payment relief with longer term assistance plans for the most vulnerable of consumers struggling with credit card debt.

FinRegLab research finds that tools for managing explainability and fairness in machine learning underwriting models hold promise and that regulatory guidance could encourage more consistent, responsible use.

FinRegLab research finds that resolving data transfer issues could facilitate use of cash-flow data for credit underwriting, with particular opportunity to expand access for millions of underserved consumers and small businesses.

FinRegLab research finds that cash-flow information is being used by both new entrants and traditional lenders to extend smaller loans to smaller businesses and to increase credit to underserved borrowers.