ECOA Request for Information (RFI) issued seeks comments to address credit discrimination, promote fair access to credit, and develop solutions by extending the comments deadline. RFI topics include Adverse Action Notices, Disparate Impact, Serving Limited English Proficient Consumers, Special Purpo

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Discussion by David Low from CFPB on consumer finance challenges, borrower behaviors regarding borrowing and repayment, and the impact of overdraft fees on financial inclusion. Key insights on payday loans, borrower amortization, and daily spending modeling are explored. Recommendations are made to

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Accessing rich auto loan data obtained by the CFPB, this potential research aims to prioritize key questions for analysis. The dataset includes a diverse sample of financial institutions and extensive variables related to loan originations and servicing. Research questions span from specific inquiri

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Delve into the complexities of TRID regulations with expert insights on expanded coverage, pre-qualification best practices, business days, loan types, and more. Understand key aspects such as CFPB requirements for title policies and fee categorization, tolerance calculations, APR disclosures, and l

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Explore insights from three papers on consumer bankruptcy, discussing topics such as racial disparities in bankruptcy outcomes, benefits of mortgage principal cramdown, and the role of judges and trustees. The research delves into moral hazards, shadow debt, and the impact of race/ethnicity on bankr

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