Credit Unions

Highlights:  Synthetic identity fraud is a rapidly escalating, complex threat, with losses jumping 50% from 2 [...]

Highlights: Despite tight credit standards, small businesses are showing resilience but require a lending partner w [...]

Highlights:  The primary economic risk identified for the coming year is a slowdown in consumer spending, whic [...]

Highlights:  Consumer originations have increased year-over-year across most lending categories through July [...]

Highlights:  Account Takeover (ATO) fraud is a rapidly growing, multi-billion dollar problem with consumer cos [...]

Highlights:  Mobile fraud is escalating rapidly (up 15% year over year since 2020), while desktop fraud is dec [...]

Highlights:  Dealer finance companies are experiencing rapid growth in auto debt, while banks continue to hold t [...]

Highlights:  The U.S. economy is experiencing rapid changes, including a slowing labor market and declining cons [...]

Highlights: The U.S. economy is experiencing a slowdown in the labor market and consumer sentiment, with trade policy and [...]

Highlights:  Alternative data, including rent and utility payments, and employment history, provides a more [...]

Highlights:  The Market Pulse Index shows a slight decline in overall U.S. consumer financial health, but this stres [...]

Highlights:  VantageScore® 4.0 expands lending opportunities by incorporating trended and alternative cre [...]

Highlights:  Consumer spending and prices are the primary economic factors businesses are watching, with a maj [...]

Highlights:  A potential government shutdown carries economic consequences, potentially reducing GDP growth by 0.2% [...]

Highlights:  Consumer originations across all lending categories rose year-over-year through May 2025, with [...]

Highlights:  The U.S. economy is experiencing mixed signals, with a robust stock market coexisting with [...]

Highlights:  Synthetic identity fraud is the dominant and fastest-growing credit fraud threat, accounting for 50-70% [...]

Highlights: The regulatory landscape for lenders in 2025 is rapidly changing due to a mix of deregulation and new [...]

Highlights: Alternative data provides a more complete view of consumers beyond traditional credit reports, helping to unl [...]

Highlights:  The August Market Pulse Q&A addresses audience questions on student loan reclassification (likely d [...]

Highlights:  Lenders' primary concerns in 2025 include student loan repayment resumption, trade uncertai [...]

Highlights:  Consumer originations increased year-over-year across most lending categories, with outstanding m [...]

Highlights:  The August 2025 Market Pulse webinar highlighted shifts in the U.S. economy, including low consum [...]

Highlights:  To meet evolving consumer demands for personalized and supportive financial experiences, [...]

Highlights:  Alternative data expands credit access for underserved consumers by providing insights beyond [...]

Highlights:  Open banking provides lenders with a more comprehensive, real-time view of a consumer's financial healt [...]

Highlights:  Student loan payments remain a low priority for consumers, particularly lower-income individuals, poten [...]

Highlights:  The K-shaped economy in 2025 shows an uneven recovery, with higher-income individuals and tech in [...]

Highlights:  Alternative data provides a comprehensive view of consumers' financial health, enabling businesse [...]

Highlights:  Consumer originations saw a year-over-year increase in several lending categories through M [...]

Highlights: Businesses continue to face economic and industry changes, making adaptability and resilience crucial [...]

Highlights:  Optimizing consumer loan decisions requires smart, data-driven strategies that adapt to the evolv [...]

Highlights:  Fraud prevention, alternative data, and Gen Z financial behaviors were prominent themes in H1 202 [...]

Highlights:  The U.S. economy in June 2025 is characterized by a mix of strong labor market indicators [...]

Highlights:  Open banking revolutionizes lending by allowing consumers to securely share bank transaction data, [...]

Highlights:  Consumer originations increased year-over-year in several lending categories by February 2025, wi [...]

Highlights:  Traditional credit files offer a limited view of creditworthiness, often excluding "thin file" or "cred [...]

Highlights: The U.S. economy has rapidly changed since February, with increased uncertainty and the risk of stagflation d [...]

Highlights:  Optimal Path, an AI-driven solution, can enhance member engagement and loyalty for financial institutio [...]

Marketers, let’s face it. Finding ways to drive customer growth is always a challenge. But it’s even more of a challenge when your busin [...]

The May Market Pulse webinar showcased insights from Equifax Advisor Jesse Hardin around current consumer credit trends. While this over [...]

For many young adults, getting their first credit card, car loan, or personal loan is an important milestone. However, for lenders, these [...]

Right now, the market feels more uncertain than ever. For those of us leading businesses or using data to drive decisions, the pressure is [...]

How is your company staying on top of changes in consumer credit activity? Ask yourself these questions: Do you know how chan [...]

For lenders, using alternative data is becoming increasingly crucial to stay ahead and drive growth in this rapidly changing market.&nbs [...]

In today’s fast-paced lending environment, traditional credit scores and financial statements may not tell the full story. In fact, 76 [...]

Many lenders frequently use income estimates to help inform their decisions. For example, income estimates are often used to help evalua [...]

While the world of consumer credit continues to evolve with the advent of newer forms of financing like fintech lending and Buy Now Pay [...]

In Q4 2024, over 300 frequent viewers of the monthly Market Pulse webinar offered by Equifax provided insights into how their organiza [...]

Credit unions and small to mid-sized banks, ask yourself this question: Is your organization struggling with limited resources and [...]

In the latter part of 2024, consumers are navigating a complex financial landscape. Our K-shaped economy is characterized by significant [...]

What do you think of when you hear “deposit growth”? For many, the immediate reaction is to think ‘consumer savings’, which wouldn’t be a [...]

It’s no secret that auto affordability remains an issue for consumers. High auto prices and high interest rates are an ongoing challenge [...]

How many years has your company been marketing lending offers to consumers? Five? Ten? Twenty? Fifty or more? It’s likely a lot of years.& [...]

Credit unions are known to provide personalized service and focus on the unique needs of their members. For many members, this dedicated [...]

Fraud is an ever-present threat. It is especially harmful at a time when credit unions are needing to shore up liquidity and fight for e [...]

The nation’s consumers are becoming even more financially diverse. Think about young consumers and the growing number of immigrants who [...]

One action credit unions can take to gain control in an uncertain environment is to effectively use portfolio reviews. That way they can [...]

  With rising interest rates and other economic headwinds, how are credit unions adapting? And how can they find the risks a [...]

Consumers have many choices for managing their finances. One option, banking, is often overlooked with a credit union. Credit unions are [...]

76.1 million consumers have little-to-no credit history.¹ Unfortunately, having no credit history makes it very difficult for many indiv [...]

Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned in th [...]