Mortgage Balances Down Over 2014 Q2, But Still Higher Than 2013

Mortgage balances went down over 2014 Q2, but they're still higher than 2013.

People across the country are paying down their mortgage balances and taking out home equity lines, but they aren’t using them just yet, says a new report.

Credit Card Balances Continue to Grow as Consumer Confidence Rises

The trend of growing credit card balances continues.

Credit card balances are up as more people are borrowing more money, while credit card delinquencies have declined during the first half of 2014.

Not Yesterday’s Subprime Auto Loan – Economic Trends Commentary

The automotive finance industry has received a great deal of attention recently around the topic of subprime lending, which typically assumes a highly negative tone. After finding that surprisingly little data on this topic is shared with the press, our Chief Economist, Amy Crews Cutts, and Deputy Chief Economist, Dennis Carlson, set out to explore whether [Read More...]

Visit Equifax at MBA’s Risk Management & Quality Assurance Forum 2014

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Effectively ensuring loan quality and reducing repurchase risk is more critical than ever. Visit Equifax at MBA’s Risk Management & Quality Assurance…

Looking to the Future – Emerging Affluent Millennials

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Webinar:  Looking to the Future – Emerging Affluent Millennials 2 p.m. Eastern, September 30, 2014 Register As banks look towards the future and work on setting the foundation for growth, a key part of the plan is better understanding the preferences and needs of their Millennial customers and how to identify which of those Millennial [Read More...]

Webinar: Credit Trends and Business Intelligence for Automotive Lenders: Improve Your Competitive Position in the Market

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Business intelligence is critical to staying ahead of the competition – now and into the future. Are you leveraging the latest business insights to better understand your market situation? Don’t miss this opportunity to get the latest market intelligence from Moody’s Analytics and learn how you can compete more effectively in today’s competitive automotive environment. [Read More...]

HSPD-12 – Ten Years On

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Homeland Security Presidential Directive 12 (HSPD-12), signed by President Bush on August 27, 2004, was originally enacted to address the wide variety and differing security levels of identification credentials used to access secure facilities. The directive established standards for verifying an individual’s identity and issuing a tamper-proof credential that could be rapidly authenticated electronically. The [Read More...]

Hardee’s & PacSun Webinar– Onboarding Compliance That Pays For Itself

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What can a retailer get out of an electronic onboarding system? Or a casual dining chain? How about cutting onboarding time from 4 hours per new hire to a half an hour? How about improving WOTC screening compliance from 16% to 99%? Those are the kinds of results youth clothing retailer Pacific Sunwear got. Debra [Read More...]

MESC: Streamlining the Applicant Eligibility Experience with Program Integrity

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Rich Huffman, Sr Director – Identity Product Management, recently presented at MESC  on how to improve program integrity by understanding applicant eligibility early in the process. Public health and welfare outcomes are enhanced when members smoothly access the correct programs. States, exchanges, and human services programs need to balance the applicant experience with the need for integrity [Read More...]

Identity Proofing Essentials for Effective Government Operations

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Who are you and how can you prove it? Seems like an easy question, yet in the digital environments where we work and live, this is no longer such a straightforward matter. Each individual is identified not only by a name, authoritative source (such as a Social Security Number, Passport, or Driver’s License), address, phone number, [Read More...]