Projects

Utility, Telecom & Rental Payment History

Overview

Utility, telecom, and rental payment history can help to assess how credit applicants manage housing and other recurring expenses. FinRegLab and the Urban Institute have examined available research, historical and recent initiatives to increase data access and use for credit underwriting, and market and policy issues that will determine whether such efforts can reach scale.

Related Publications

  • Utility, Telecommunications, and Rental Data in Underwriting Credit

    FinRegLab partnered with the Urban Institute to detail twenty years of research and efforts to access utility, telecom, and rental payment history for credit scoring and underwriting. The paper describes recent initiatives and key challenges going forward.

    Learn More: Utility, Telecommunications, and Rental Data in Underwriting Credit

Events

  • Unlocking Doors: The Promise and Peril of Using Alternative Data in Mortgage Underwriting

    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…

    Learn More: Unlocking Doors: The Promise and Peril of Using Alternative Data in Mortgage Underwriting

About FinregLab

FinRegLab is an independent, nonprofit organization that conducts research and experiments with new technologies and data to drive the financial sector toward a responsible and inclusive marketplace. The organization also facilitates discourse across the financial ecosystem to inform public policy and market practices. To receive periodic updates on the latest research, subscribe to FRL’s newsletter and visit www.finreglab.org. Follow FinRegLab on LinkedIn.

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