Market Pulse

Host Jesse Hardin sits down with Stephanie Gunselman, head of Federal Government Relations at Equifax, for a wide-ranging look at how Washington is shaping the future of lending and credit reporting. From a cooling labor market and inflation to evolving priorities at the CFPB, they explore the latest legislative and regulatory developments — including open banking, data privacy, AI governance, med...

Equifax Advisors Maria Urtubey, Emmaline Aliff, Tom O’Neill, Jesse Hardin, and Dave Sojka share what they’re hearing directly from Equifax lending customers across industries. From student loan repayment impacts to shifting auto lending dynamics and tariff uncertainty, the team highlights the questions lenders are asking, the insights uncovered in one-on-one advisory sessions, and the recommendati...

Equifax Senior Advisor Tom O’Neill sits down with Ian Wright, Chief Strategy Officer at IXI, to unpack the shifting landscape of consumer wealth in a post-COVID economy. Drawing on exclusive IXI data, they explore how total U.S. household assets have grown to over $66 trillion—while the median household has actually lost ground. The conversation dives into the shrinking mass affluent segment, the...

Host Emmaline Aliff is joined by economist Amy Crews Cutts, President at AC Cutts and Associates, and a panel of Equifax experts—Maria Urtubey, Tom O'Neill, and Dave Sojka—to unpack the latest signals from both hard and soft economic data. From shifting consumer sentiment to rising tariffs and the ripple effects on credit, lending, and affordability, the team explores the impact on consumers as we...

Host Olivia Voltaggio is joined by Shandor Whitcher, Economist at Moody’s Analytics, for a timely check-in on the U.S. economy. They discuss the recent shift from early-year optimism to growing uncertainty driven by shifting trade policy, rising jobless claims, and inflation concerns. Shandor breaks down the latest GDP and consumer credit data, explores warning signs from small businesses, and sha...

In this Small Business Month edition, experts from Fiserv and Equifax unpack how small businesses and consumers are responding to ongoing economic uncertainty. Darryl Tyndorf, Director of Economic and Analytical Insights at Fiserv; Mike Spriggs, Head of Consumer Insights at Fiserv; and David Adams, Head of Commercial Product Marketing at Equifax dig into a range of topics, from shifting spending p...

Equifax advisors Jesse Hardin, Dave Sojka, Tom O'Neill, and Maria Urtubey explore the disconnect between positive hard data and declining consumer sentiment, rising concerns over tariffs, and their disproportionate impact on households and businesses. They dig into leading indicators to watch—like delinquency rates, employment trends, and consumer spending—and offer practical recommendations to he...

With President Trump’s administration in full swing, we’re joined by Shandor Whitcher, economist at Moody’s Analytics, to break down key economic trends shaping the year ahead. Get the latest on inflation, labor market dynamics, and the Federal Reserve’s approach to interest rates, along with the impact of global trade policies, emerging technologies and more.  Resources:   CreditForecast.com is a...

The Equifax Advisory Team dives into predictions for 2025, exploring key economic themes such as tariffs, immigration reform, and the ongoing housing affordability crisis. The discussion also touches on potential policy impacts from the new administration and how unexpected events could shape economic outcomes. Resources:   CreditForecast.com is a joint venture between Equifax and Moody’s Analytic...

The Equifax advisory team reviews the U.S. economy in 2024, discussing key developments and their implications for lenders and consumers. Jesse Hardin, Em Aliff, Tom O'Neill, Dave Sojka, and Maria Urtubey explore interest rates, inflation, housing, labor trends, and consumer credit.   The Federal Reserve's rate cuts aimed to cool inflation and support affordability, yet high borrowing costs persis...

Host Tom O'Neill sits down with Equifax’s Chief Strategy Officer, Ian Wright, to discuss strategies for growing and protecting deposits in today’s competitive financial landscape. With traditional banks, fintechs, and neobanks all vying for deposit share, how can institutions gain a competitive edge? Ian shares insights on leveraging financial data to identify valuable customer segments, including...

The Risk Advisor team at Equifax discusses the recent 50 basis point rate cut by the Federal Reserve and its wide-reaching impact on the U.S. economy. Topics including consumer sentiment, the housing and auto markets, and the lending landscape offer valuable insights into how these changes will affect both households and financial institutions. The panel also explores potential challenges ahead, i...

In this illuminating panel discussion, Tom Aliff, Risk Advisors Leader at Equifax, delves into key economic concerns and forecasts with economists Amy Crews Cutts, President at AC Cutts and Associates LLC; Robert Wescott, Founder and President of Keybridge; and Mark Zandi, Chief Economist of Moody's Analytics. They explore the implications of budget deficits on interest rates, with varying views o...

Bob Homer, General Manager and VP of Insurance and Alliances at Equifax, and Stephen Crewdson, Senior Director of Global Business Intelligence at JD Power, discuss the sharp rise in home and auto insurance premiums, driven by both economic and social inflation, and the impact on consumer affordability and behavior. Bob and Stephen explore how insurers are responding to these challenges, including...

The Equifax Risk Advisors team explores the complexities of the current economic landscape, discussing key topics such as the K-shaped recovery, inflation's impact on consumer sentiment, and rising delinquency rates. They also respond to recent comments by economists on trends in consumer spending, credit risk, and the nuanced effects of economic policies. 

With 93% of small business owners anticipating growth, the timing of potential Fed interest rate cuts remains a critical factor. Sarah Briscoe, lead commercial statistical analyst at Equifax, sheds light on the latest trends in small business lending, delinquency, and default rates, highlighting the unique insights from the Equifax small business indices.    In this episode:  What small business i...

Our all-female panel of financial experts answer your burning questions about consumer credit, loan performance, and economic trends shaping affordability. Our panelists including Amy Crews Cutts, president and chief economist at AC Cutts & Associates, and Equifax’s own Maria Urtubey, Anna Fisher, and Mariette de Meillon address questions submitted during the March Market Pulse webinar.   In t...

Join the Risk Advisors Group at Equifax as they discuss the current state and future trends of interest rates and their profound impact on the U.S. economy. The conversation delves into the Federal Reserve's strategies in response to inflation and economic shifts, exploring how these changes affect various sectors including banking, mortgages, and auto financing. 

Scott McMahon, alliance manager for Automotive Partnerships at Equifax, leads a panel discussion on current trends, the rising challenge of fraud in the automotive space, and the industry's outlook, with a special focus on consumer affordability and the evolving electric vehicle (EV) market. His esteemed panel includes Steve Greenfield, general partner at Automotive Ventures; Marguerite Watanabe,...

We’re joined by Jeff Richardson from VantageScore to discuss how inflation is impacting households. We dig into factors contributing to rising delinquencies, the expected continuation of this trend, and the impact on different consumer segments. Additionally, we address the role of stimulus on credit scores and the strategies that organizations should have in place for confident decision-making. ...

The Equifax Risk Advisory practice explores various aspects of risk management, from evaluating and mitigating risks to implementing strategies that align with institutional goals and risk tolerance. This episode is a must-listen for professionals seeking to deepen their understanding of risk management in today's complex economic landscape.   In this episode:   ·      Role of the Equifax chief ri...

Host Dave Sojka and the Equifax Risk Advisors team delve into the intricacies of affordability in the current economic landscape. The discussion covers a range of topics, including the impact of rising debt, inflation, and changing consumer behaviors on consumers' ability to afford housing, automobiles, and insurance.    In this episode: ·      Consumer holiday spending ·      Consumer spending sp...

Did economic predictions for this year pan out? And what themes will dominate 2024? Join our Risk Advisory team as they assess how the economic outlook has really impacted consumers and industries.   In this episode: Revisiting economic trends Transitory inflation Consumer spending Labor Market Auto Industry Banking and Lending BNPL and regulation Credit Unions Themes for 2024 Resources: CreditFor...

In part three of the Consumer Stress series from the Equifax Risk Advisory team, our experts discuss the impact of the economic and credit environment on consumer holiday spending. They cover various angles, including economic uncertainties, the transition from physical to online stores, the U.S. economic outlook, highlights of the holiday spending outlook, consumer financial options, and the inte...

David Fieldhouse, Director of Consumer Credit Analytics at Moody's Analytics, provides his economic outlook for 2024. Discussing critical factors shaping the U.S. economy, we cover the end of the student loan payment moratorium to the surge in long-term interest rates, the delicate balance of treasury yields, as well as business and consumer recommendations for navigating uncertainties in the comi...