Following the financial crisis of 2008, U.S. policymakers developed new laws and regulations meant to prevent another economic disaster. One of the more consequential laws passed by Congress was the Dodd-Frank Wall Street and Consumer Protection Act...
New Role Underscores Client Commitment While Accelerating Focus on Innovation and Growth ST. LOUIS, February 23, 2022 -- Fintech leader Informative Research, a Stewart company, today announced James Boss as Executive Vice President, Client Success....
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 lenders. A diminishing refinance market has redirected focus back to building purchase business. The new...
Financial transactions managed by mortgage lenders often require a Verification of Employment & Income (VOE/I) to minimize the risk of financial loss. Employers' hiring staff are another primary user of VOE/I, as are property managers and landlords,...
What is the Fair Credit Reporting Act (FCRA)? The Fair Credit Reporting Act is a federal law that regulates how credit reporting agencies collect data about individual consumers and how they share that data. This law helps keep credit reporting...
A tri-merge credit report is a consolidated report that aggregates the data from all three credit bureaus. The consolidated report allows lenders to review one report instead of referencing three separate credit bureaus.
As we deploy new clients onto our verifications platform, we frequently hear that speed and cost are the primary motivators. However, another underlying trend is that lenders are re-tooling operations to stick closer to their core competencies of...
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For decades, financial services professionals have bemoaned the slow pace of advancement in innovation and technology, watching healthcare and other industries forge way ahead. However, that has changed in the past few years, with staggering sums of...
Credit reports represent different things to varying audiences. For consumers, the report represents their past, specifically their history of taking on credit and the track record of paying as promised. Lenders, on the other hand, are using credit...
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