Tom O’Neill

Explore the Q3 2025 Market Pulse Index findings on the widening wealth gap, Gen Z's rising financial momentum, and why multidimensional risk [...]

See how US consumer holiday spending is changing in 2025. Uncertainty and rising prices are shifting priorities to essential goods.

Stay ahead with the latest consumer credit trends. Discover key insights on originations, debt, and delinquencies from the October 2025 Mark [...]

Unpack consumer financial health & generational divides with the Market Pulse Index. Discover key insights for strategic planning in a K-sha [...]

Get expert answers on student loan reclassification and credit washing fraud from the August Market Pulse Q&A. Stay informed!

Discover how post-COVID wealth trends are reshaping the U.S. economy. Learn about the shrinking middle class, rising investments, and strate [...]

Explore what hard data and soft warnings reveal about U.S. consumers in the second half of 2025. Dive into credit performance, employment, a [...]

Get a snapshot of June 2025 consumer credit trends, including originations, outstanding debt, and delinquencies, with insights from Equifax.

May 2025 economic update: Get top 9 takeaways on market trends, stock losses, consumer spending, and economic uncertainty. Read the latest i [...]

Uncover the impact of macro lending trends on your strategy. Track recent lending activity to refine and optimize your origination efforts f [...]

The opinions, estimates, and forecasts presented herein are for general information use only. This material is based upon information th [...]

The February Market Pulse webinar showcased insights from Equifax Risk Advisor Tom O’Neill concerning current consumer credit trends. [...]

As we head into 2025, businesses are keenly watching consumer behavior and economic trends to inform their marketing and operations stra [...]

What is inflation & how does it affect you? Learn about rising prices, impacts on savings & wages, & predictions for 2025.

The pressure on financial institutions to grow and protect deposits has been a major topic of interest for the past couple of years, and [...]

  Risk management is a multifaceted field that remains an enigma to many. In the latest episode of the Market Pulse podc [...]

Macroeconomic indicators like increasing delinquency rates and ballooning debt point to a nation of prospective borrowers [...]

  An increasing number of consumers are facing credit and financial stressors. What economic factors are causing this? [...]

The last three years has brought a range of micro and macroeconomic storms. Shifts in spending behavior and the influx of [...]