Insights
The Challenge of Compliance vs. Cost
The mortgage industry has no shortage of regulatory oversight. The Fair Housing Act (FHA), Dodd-Frank Act, the Equal Credit Opportunity Act (ECOA),..
June 28, 2022
Verification of Assets (VOA) and Why It Matters
In the modern mortgage market, particularly post-2008, one of the most crucial aspects of designing and executing a successful product is risk..
April 26, 2022
Ryan Kaufman as IR's newest Business and Integrations Analyst
We're proud to welcome Ryan Kaufman as IR's newest Business and Integrations Analyst. In his new role, Kaufman will own a critical innovation..
April 21, 2022
What is Our Verification Waterfall?
Why Are Employment Verifications (VOE) and Income Verifications Necessary? Following the 2008 financial crisis, Congress enacted a host of new..
April 14, 2022
How Verification of Employment (VOE) Works for Today's Mortgage Lenders
Following the financial crisis of 2008, U.S. policymakers developed new laws and regulations meant to prevent another economic disaster. One of the..
March 9, 2022
Informative Research Names James Boss Executive VP, Client Success
New Role Underscores Client Commitment While Accelerating Focus on Innovation and Growth ST. LOUIS, February 23, 2022 -- Fintech leader Informative..
February 23, 2022
Six Reasons to Hire a Verification of Employment Partner
After record-breaking revenues and volume over the past few years, 2021 has proven to be something of a “pivot” year for the nation’s mortgage..
January 4, 2022
Asset, Employment and Income Verification Basics for Lenders, Landlords and Businesses
Financial transactions managed by mortgage lenders often require a Verification of Employment & Income (VOE/I) to minimize the risk of financial..
December 22, 2021
What Is the FCRA & How Does it Protect Consumers?
What is the Fair Credit Reporting Act (FCRA)? The Fair Credit Reporting Act is a federal law that regulates how credit reporting agencies collect..
November 8, 2021
What is a Tri-Merge Credit Report?
A tri-merge credit report is a consolidated report that aggregates the data from all three credit bureaus. The consolidated report allows lenders to..
September 20, 2021