It began with a deceptively simple challenge: analyze a raw transaction ledger and identify the most profitable customers.   But this wasn’t a tidy spreadsheet. It was an uncurated SQL export with 50+ transaction types, hidden rules, and edge cases. Anyone who has worked with real-world finance data knows this is […]

Executive Summary The rapid growth of online lending has transformed access to credit for millions, especially those underserved by traditional banks. However, this opportunity comes with unique challenges in compliance, competition, and operational complexity. This white paper provides a holistic playbook for online lenders, drawing on proven strategies and industry […]

It’s a step in the right direction at the 11th hour, CFPB Offers Regulatory Relief for Small Loan Providers but the exposure to the rule still exists.  Under Section 5552 of Title 12 of the United States Code, concerning the Preservation of Enforcement Powers of States under the Consumer Financial […]

I’d love to tell you more, but my crystal ball is in the shop, and I’m sworn to secrecy—so if you’re looking for details, you’ll have to consult someone with fewer standards and a working glass ball. 😉 Looking for a consultation? Book a Consultation

On February 11, the President Trump nominated Jonathan McKernan to lead the CFPB. With extensive FDIC and Treasury experience, McKernan is known for cutting unnecessary regulations and promoting market innovation. Until his confirmation, Acting Director Russell Vought—who has already made significant staffing and contract cuts—will remain in charge. McKernan’s appointment […]