Consumers are “credit invisible” if they don’t have any credit history with the Big Three credit bureaus (Equifax, Experian, and TransUnion) or if their histories are too scant or old (“thin”) to generate a credit score.
Read More about Credit Invisibility and Alternative Data: Promises and Perils
Plaintiff's response to Malcolm and Cisnero's Motion to Dismiss
Read More about Plaintiff's Response in Smith v. Bank of New York Mellon
Debt-based driver’s license suspensions are a widespread yet counterproductive practice that undercuts economic growth.
Read More about Letter of Support: Driving for Opportunity Act of 2020
For the reasons discussed herein, Defendants’ motion will be denied.
Read More about Denial of Motion for Summary Judgement in Amodio v. Ocwen Loan Servicing
Fact sheet explaining what to look for in a credit report and what to do with errors.
Read More about The Truth About Credit Reports & Credit Repair Companies
For many in America, a car provides not only physical mobility but also economic mobility. Yet for years, studies have shown that the costs of buying, financing, and using a car can vary based on race or ethnicity.
Read More about Time to Stop Racing Cars: The Role of Race and Ethnicity in Buying and Using a Car
The use of technology in financial products and services (fintech) is resulting in a wide array of new approaches to financial products and services. The internet, mobile devices, big data, computer algorithms, and other technologies are impacting the way we borrow, make payments, and manage our money. These technologies are also changing the way that…
Consumer abuses in the bail and corrections industry Since 1980, the number of people incarcerated in America increased from roughly 500,000 to over 2.2 million, and currently 4.5 million people across the nation are on probation or parole. During this time, state and local governments have sought to shift the cost of operating the criminal…
Families in America with the least means pay disproportionately more for their electricity, sometimes lacking basic access to service altogether. It’s a fundamental inequity of our current energy landscape, and one that can lead to dangerous repercussions. It’s also a challenge we can absolutely address, and the sweeping changes transforming the power sector today are…
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