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What is the cost of The Durbin Amendment?

by Stacie Baker The Durbin Amendment, according to Wikipedia, gave the Federal Reserve the power to regulate debit card interchange fees. The amendment, which will have a profound impact on banks,...

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Credit Cards Making a Comeback

by Alan Ikemura A surprising occurrence is happening in the consumer credit markets. Bank card issuers are back in acquisition mode, enticing consumers with cash back, airline points and other...

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Securing profitable growth: The emerging prime population

The intense focus and competition among lenders for the super prime and prime prospect population has become saturated, requiring lenders to look outside of their safety net for profitable growth....

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Everything you wanted to know about credit risk scores but were afraid to ask

In this three-part series, Everything you wanted to know about credit risk scores, but were afraid to ask, I will provide a high level overview of: What a credit risk score predicts; Common myths...

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Smells like innovation

  Big news [last week], with Chase entering in to a 10 year expanded partnership with Visa to create a ‘differentiated experience’ for its merchants and consumers. I would warn anyone thinking “offers...

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Updated CFPB mortgage rules expected to come into force January 2014

- Zach Smith, Experian On September 13, the Consumer Financial Protection Bureau (CFPB) announced final amendments to the mortgage rules that it issued earlier this year. The CFPB first issued the...

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A mobile-centric approach to customer acquisitions

In the 1970s, it took an average of 18 days before a decision could be made on a credit card application. Credit decisioning has come a long way since then, and today, we have the ability to make...

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Host Card Emulation: We are not in Kansas anymore

Both Visa and MasterCard announced their support for Host Card Emulation (HCE) and their intent to release HCE specifications soon. I have been talking about HCE from late 2012 (partly due to my...

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How to overcome the loss of control for recovering debt

One of the challenges that we hear from many of our clients is managing multiple collection agencies in order to recover bad debts. Collection managers who use multiple collection agencies recognize...

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Auto Lending Naysayers Are Neglecting Key Facts

This is the first of a two part blog about the state of auto lending in the U.S. In 2014, auto lending has received increased media attention.  Unlike other forms of consumer lending, auto lending has...

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Capital adequacy requirements continue to evolve. Are you prepared?

Complying with complex and evolving capital adequacy regulatory requirements is the new reality for financial service organizations, and it doesn’t seem to be getting any easier to comply in the years...

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