Market Pulse

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 Cutz & Associates, and Equifax’s own Maria Urtubey, Anna Fisher, and Mariette de Meillon address questions submitted during the March Market Pulse webinar.

In this episode:

• Deep dive into credit trends
• Credit scores and loan performance
• Utilization and delinquencies
• Insights on delinquent loans and consumer profiles
• Pandemic impact and consumer spending
• Student loan debt and consumer behavior
• Strategies: Adapting credit models post-pandemic
• Innovative approaches in credit risk management

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, president of Connections Insights; and Jeremy Robb, senior director of Economics and Insights at Cox Automotive.

In this episode:

• Growing concerns and types of fraud in the automotive industry
• The transition of the automotive industry into a more digital realm
• Analysis of current economic factors influencing the auto market
• Predictions on short-term consumer behaviors and market trends
• EV market trends and future prospects

Resources:

• CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts, and analysis.
• Register for Market Pulse webinars to get relevant economic and credit insights to help your business make more confident decisions.
• Learn more about our Market Pulse podcast, and contact us at [email protected]

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.

In this episode:

· Overview of VantageScore

· Factors contributing to rising delinquencies

· Two different consumer segments

· Impact of stimulus on credit scores

· Credit decisioning strategies

· Incorporating AI into decision making

· Opportunities of differentiated data

Jeff hosts the SCORE podcast where he interviews the new leaders shaping the credit industry, like journalists, academics, and researchers. So be sure to check that out.

Resources:

CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.

Register for Market Pulse webinars to get relevant economic and credit insights to help your

business make more confident decisions.

Learn more about our Market Pulse podcast, and contact us at [email protected]

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 risk officer

· The focus on delinquencies

· Role of risk manager for cards

· Implementing policies to manage credit risk for credit card issuers

· Role of risk analyst

· How economic challenges like a rise in delinquencies impact risk analysis

· Role of chief collection officer

· How the changing economic landscape impacts the chief collection officer

· Biggest challenges for chief risk officer

· Go-to competitive advantages of credit risk manager

· Fulfilling the business goals and targets of an organization

Resources:

CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.

Register for Market Pulse webinars to get relevant economic and credit insights to help your

business make more confident decisions.

Learn more about our Market Pulse podcast, and contact us at [email protected]

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 spikes

· Consumer Price Index and inflation

· Auto market

· New home and rent affordability

· Insurance affordability

· Consumer health by generation

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:

CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.

Register for Market Pulse webinars to get relevant economic and credit insights to help your

business make more confident decisions.

Learn more about our Market Pulse podcast, and contact us at [email protected]

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 international economic outlook.

In this episode:

• Connections between consumer stress and sales
• Economic uncertainties and transition to online shopping
• Highlights of the holiday spending outlook
• Consumer financial options, including BNPL
• Considering the international economic outlook

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 coming months.

In this episode:

· Deep dive into economic challenges

· Student loan payment moratorium end

· Long-term interest rates surge

· Interest rates and economic outlook

· Unpacking the 5% treasury yield

· Economic headwinds and GDP impact

· Resilience amidst challenges

· Bright spots in the economy

· Recommendations for businesses and consumers

Resources:

CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.

Register for Market Pulse webinars to get relevant economic and credit insights to help your

business make more confident decisions.

Learn more about our Market Pulse podcast, and contact us at [email protected]

Lenders can use targeted consumer data to drive daily decision making. The Equifax Risk Advisory panel of experts discuss how to dig beyond the macroeconomic indicators to determine exactly where consumer stresses lie. Our panel includes David Sojka, Jesse Hardin, Maria Urtubey, Thomas Aliff and host, Tom O’Neill.

In this episode:

· Economists and consumers have diverging views on the economy

· Specific consumer stresses

· Statistics on consumer stresses

· What data can reveal about consumer stresses

Resources:

CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.

Register for Market Pulse webinars to get relevant economic and credit insights to help your

business make more confident decisions.

Learn more about our Market Pulse podcast, and contact us at [email protected]