Resources tagged "Consumer Finance"


Demystifying the Technology Alphabet Soup A live question-and-answer session with Mathew Dragatsis, CEO and Founder of Radiant Solutions APIs… SDKs… SaaS… Rarely does an executive team meeting or board review pass today without mention of a custom technology or system integration need. How does one make sense of it all? In our Q&A with Mathew Dragatsis, […]

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Big Tech vs. big banks. Battling.

Originally published July 24, 2019 Shoring Up FIs ‘Deteriorating Advantage’ Over Big Tech Conventional wisdom seems to hold that challenger banks will eat traditional financial institutions’ collective lunch in the race for deposits, for checking, even for credit cards. In that mindset, banks, laden with entrenched legacy systems, with disparate platforms — call it […]

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What’s behind the rise in credit card delinquencies

Originally published by Laura Alix May 14, 2019 Credit card delinquency rates hit a seven-year high in the first quarter largely because many borrowers in their 20s are struggling to keep up with their minimum payments, according to a new report from the Federal Reserve Bank of New York. In its quarterly report on household […]

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MLA Changes

Changes to MLA website going into effect making it more cumbersome to verify manually. Now is the time to stop manual research and get alerts on credit instead! Around June 27, 2019, DMDC will make significant changes to the Military Lending Act (MLA) website ( to enhance security of the site and better protect the […]

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Citizens Finance Group Drives Demand with Equifax Market Reveal

Group Triples Cash-Rate for Live Check Direct Marketing Campaigns Consumer finance providers offer short-term, small-dollar loans to consumers who may encounter an emergency that requires an out of budget expense, or those who may need to cover a gap between paychecks to meet payment obligations. The Challenge While consumer finance companies largely rely on their […]

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Confluent Strategies Helps $27B Regional Bank Meet FCRA Compliance

Disclosure Fulfillment Service Lightens Regulatory Burden CLIENT INSIGHT: MISSISSIPPI-BASED REGIONAL BANK AUTOMATES COMPLIANCE DISCLOSURE FULFILLMENT The Challenge Two federal laws — the Equal Credit Opportunity Act (ECOA), as implemented by Regulation B, and the Fair Credit Reporting Act (FCRA) — reflect Congress’s determination that consumers and businesses applying for credit should receive notice of the […]

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Marketing Live Checks

Improving Net Interest Margin with Qualified Unsecured Borrowers Averaging over 80% loan-to-share nationwide, credit unions have critical mass in consumer lending and are poised to eclipse $1 trillion in loans. But where’s the margin? At an average 0.90% ROA, most credit unions are asking themselves how to build their members’ equity in efficient and safe […]

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