Financial Services Intelligence
Credit & Consumer Lending
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CFPB, Fincen guidance casts a pall over ITIN lending
New guidance on immigration status in lending decisions raises concerns about access to mortgages for borrowers using ITINs instead of SSNs.
Read full articleRep. Williams reintroduces bill for alternative credit data in mortgages
Legislation would require lenders to consider rent payments and bank statements for 32 million Americans with limited credit history.
Read full articleCredit card rates hit 21.52% average, minimum payments trap borrowers
Federal data shows paying above minimums can cut payoff time from a decade to three years as rates reach new highs.
Read full articleStudy: Adding one debt type increases balances tenfold to $28,251
Spinwheel analysis of $2.9B in debt finds auto loans are hidden danger, with median $582 monthly payments consuming 9.5% of income.
Read full articleFed eliminates all 2026 rate cuts, signals possible hike instead
Borrowers face extended high costs with credit cards at 21% and mortgages near 6.6% as Fed pivots from easing expectations.
Read full articleCFPB, Fincen guidance casts a pall over ITIN lending
New guidance on immigration status in lending decisions raises concerns about access to mortgages for borrowers using ITINs instead of SSNs.
Read full articleRep. Williams reintroduces bill for alternative credit data in mortgages
Legislation would require lenders to consider rent payments and bank statements for 32 million Americans with limited credit history.
Read full articleCredit card rates hit 21.52% average, minimum payments trap borrowers
Federal data shows paying above minimums can cut payoff time from a decade to three years as rates reach new highs.
Read full articleStudy: Adding one debt type increases balances tenfold to $28,251
Spinwheel analysis of $2.9B in debt finds auto loans are hidden danger, with median $582 monthly payments consuming 9.5% of income.
Read full articleFed eliminates all 2026 rate cuts, signals possible hike instead
Borrowers face extended high costs with credit cards at 21% and mortgages near 6.6% as Fed pivots from easing expectations.
Read full articleStay ahead of Credit & Consumer Lending in 3 minutes a day.
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