Market Pulse
Episodes
Auto Market Trends: Affordability, EVs & What’s Next
26 Mar 2026
Contributed by Lukas
Emmaline Aliff sits down with Cox Automotive Chief Economist Jeremy Robb to unpack the forces reshaping today’s auto market—from affordability pre...
TriMerge vs. Single Credit Reports: What’s at Stake?
12 Mar 2026
Contributed by Lukas
The mortgage industry is debating whether to move away from the long-standing TriMerge credit reporting standard. Wendy Hannah-Olson of Equifax speaks...
A Lender’s Case for VantageScore
05 Feb 2026
Contributed by Lukas
Ashley Sellers of Equifax sits down with Jordan Sullivan, Director of Retail Lending at CSL Financial, to explore how modern credit scoring is reshapi...
What’s Next for Mortgage Lending, with Freddie Mac
20 Jan 2026
Contributed by Lukas
Jennifer Henry of Equifax sits down with Christina Randolph of Freddie Mac to discuss how lenders can drive efficiency, improve data quality, and buil...
Navigating Through Unpredictable Lending Challenges
20 Jan 2026
Contributed by Lukas
Emmaline Aliff of Equifax sits down with Matt Orlando, Chief Experience Officer at Informative Research, to unpack one of the most talked-about develo...
Modernizing the Mortgage Journey: A Deeper Look
20 Jan 2026
Contributed by Lukas
Bobby Deery sits down with Praveen Chandrahomhan, SVP of Origination Growth at Cotality, to explore how AI is reshaping mortgage lending. They discuss...
Lending Unlocked: Navigating Today's Toughest Mortgage Challenges
20 Jan 2026
Contributed by Lukas
Recorded live at MBA Annual25 in Las Vegas, this special edition of the Equifax Market Pulse explores how data, workflow automation, and AI are reshap...
Clearing the Down Payment Hurdle: DPA’s Role in Unlocking Homeownership
06 Jan 2026
Contributed by Lukas
Recorded live at the 2025 MBA Annual in Las Vegas, this special episode of Market Pulse explores how down payment assistance programs can help unlock ...
Naughty or Nice? 2025 Economic Recap & 2026 Resolutions
18 Dec 2025
Contributed by Lukas
In this special holiday edition, Emmaline Aliff is joined by Equifax Advisors Tom O’Neill, Dave Sojka, Jesse Hardin, and Maria Urtubey for a “Sant...
Driving Efficiency and Resilience in the Mortgage Industry
09 Dec 2025
Contributed by Lukas
Jennifer Henry of Equifax sits down with Andrew Davidson, president of Andrew Davidson & Co. and a leading voice in mortgage analytics, to unpack ...
Credit File Contradiction: Why is Each Different?
18 Nov 2025
Contributed by Lukas
HousingWire CEO Clayton Collins brings together an unprecedented trio — Joel Rickman (Equifax), Michele Bodda (Experian), and Satyan Merchant (Trans...
The Tech Reshaping Mortgage Lending
13 Nov 2025
Contributed by Lukas
How are innovation, data, and AI are transforming the mortgage experience? Wendy Hannah-Olson, SVP of Digital Alliances and Strategy Execution at Equi...
The Real Cost of Credit Reports: Data, Competition & Policy Implications
11 Nov 2025
Contributed by Lukas
Emmaline Aliff of Equifax joins Dr. Amy Crews Cutts, Chief Economist at AC Cutts & Associates, to unpack the real costs and competitive dynamics o...
Mortgage Industry Evolution: Data, Transparency, & the Future of Lending
06 Nov 2025
Contributed by Lukas
Recorded live at MBA Annual 2025, HousingWire CEO Clayton Collins talks with Joel Rickman, SVP of Verification Services/Workforce Solutions at Equifax...
How Credit Score Competition Is Reshaping the Mortgage Market
04 Nov 2025
Contributed by Lukas
At MBA Annual 2025, HousingWire CEO Clayton Collins interviewed Rikard Bandebo, Chief Strategy Officer and Chief Economist at VantageScore, about one ...
MBA Annual25 Day 2: Tri-Bureau, Triggers & Tooling Up
29 Oct 2025
Contributed by Lukas
Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman and guests Ashley Sellers, Elaina McFarland, and Bobby Deery break down what lenders...
MBA Annual25 Day 1: Data, Innovation & the Future of Mortgage Lending
29 Oct 2025
Contributed by Lukas
Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman, SVP of Experience and Partner Marketing at Equifax, sits down with Emmaline Aliff, ...
Market Pulse Index: A Holistic View of Consumer and Market Health
14 Oct 2025
Contributed by Lukas
As the U.S. government shutdown delays key economic data, the Equifax Advisors team steps in with deeper insights. Host Emmaline Aliff is joined by Je...
What Lenders Need to Know About a Fast-Changing Regulatory Landscape
18 Sep 2025
Contributed by Lukas
Host Jesse Hardin sits down with Stephanie Gunselman, head of Federal Government Relations at Equifax, for a wide-ranging look at how Washington is sh...
What’s on Lenders’ Minds in 2025? Insights from Equifax Advisors
29 Aug 2025
Contributed by Lukas
Equifax Advisors Maria Urtubey, Emmaline Aliff, Tom O’Neill, Jesse Hardin, and Dave Sojka share what they’re hearing directly from Equifax lending...
Consumer Wealth Trends: What Financial Marketers Need to Know
31 Jul 2025
Contributed by Lukas
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 ...
What the Latest Economic Signals Reveal About U.S. Consumers
24 Jul 2025
Contributed by Lukas
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 ...
A Midyear Check on the U.S. Economy with Moody’s Analytics
12 Jun 2025
Contributed by Lukas
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 rec...
How Small Businesses and Consumers are Responding to Economic Uncertainty
22 May 2025
Contributed by Lukas
In this Small Business Month edition, experts from Fiserv and Equifax unpack how small businesses and consumers are responding to ongoing economic unc...
A Shifting Economic Landscape: Consumer Sentiment, Tariffs, and Risk Mitigation
24 Apr 2025
Contributed by Lukas
Equifax advisors Jesse Hardin, Dave Sojka, Tom O'Neill, and Maria Urtubey explore the disconnect between positive hard data and declining consumer sen...
Economic Outlook 2025: Inflation, Jobs, and Market Trends
13 Feb 2025
Contributed by Lukas
With President Trump’s administration in full swing, we’re joined by Shandor Whitcher, economist at Moody’s Analytics, to break down key economi...
Navigating 2025: Key Economic Themes
23 Jan 2025
Contributed by Lukas
The Equifax Advisory Team dives into predictions for 2025, exploring key economic themes such as tariffs, immigration reform, and the ongoing housing ...
2024 in Review: Economic Insights and Predictions for 2025
12 Dec 2024
Contributed by Lukas
The Equifax advisory team reviews the U.S. economy in 2024, discussing key developments and their implications for lenders and consumers. Jesse Hardin...
Winning the Deposit Battle: Strategies for Lenders in a Competitive Market
14 Nov 2024
Contributed by Lukas
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...
How the Fed’s Interest Rate Cuts are Impacting Consumers and Lenders
10 Oct 2024
Contributed by Lukas
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....
Decoding Economic Uncertainty: Fed Moves, Budget Deficits, and Global Risks
29 Aug 2024
Contributed by Lukas
In this illuminating panel discussion, Tom Aliff, Risk Advisors Leader at Equifax, delves into key economic concerns and forecasts with economists Amy...
Strategies for Managing the Surging Auto and Home Insurance Costs
08 Aug 2024
Contributed by Lukas
Bob Homer, General Manager and VP of Insurance and Alliances at Equifax, and Stephen Crewdson, Senior Director of Global Business Intelligence at JD P...
The Impact of Inflation on Consumer Behavior
23 Jul 2024
Contributed by Lukas
The Equifax Risk Advisors team explores the complexities of the current economic landscape, discussing key topics such as the K-shaped recovery, infla...
Credit and Lending Insights for Small Business
21 Jun 2024
Contributed by Lukas
With 93% of small business owners anticipating growth, the timing of potential Fed interest rate cuts remains a critical factor. Sarah Briscoe, lead c...
Q&A: Consumer Credit, Loans & Economic Trends
16 May 2024
Contributed by Lukas
Our all-female panel of financial experts answer your burning questions about consumer credit, loan performance, and economic trends shaping affordabi...
Decoding Interest Rates and their Economic Impact
30 Apr 2024
Contributed by Lukas
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. ec...
Automotive Insights: Trends, Fraud, and Future
11 Apr 2024
Contributed by Lukas
Scott McMahon, alliance manager for Automotive Partnerships at Equifax, leads a panel discussion on current trends, the rising challenge of fraud in t...
How Inflation and Rising Delinquencies are Impacting Different Consumer Segments
28 Mar 2024
Contributed by Lukas
We’re joined by Jeff Richardson from VantageScore to discuss how inflation is impacting households. We dig into factors contributing to rising delin...
A Day in the Life of a Risk Professional
29 Feb 2024
Contributed by Lukas
The Equifax Risk Advisory practice explores various aspects of risk management, from evaluating and mitigating risks to implementing strategies that a...
Navigating the Affordability Landscape Post Holiday Season
25 Jan 2024
Contributed by Lukas
Host Dave Sojka and the Equifax Risk Advisors team delve into the intricacies of affordability in the current economic landscape. The discussion cover...
Economic Themes Shaping This Year and 2024
14 Dec 2023
Contributed by Lukas
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 outloo...
Effects of Consumer Stress on Holiday Spending
07 Dec 2023
Contributed by Lukas
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...
2024 Economic Outlook & Recommendations for Navigating the Economy
16 Nov 2023
Contributed by Lukas
David Fieldhouse, Director of Consumer Credit Analytics at Moody's Analytics, provides his economic outlook for 2024. Discussing critical factors shap...
How Lenders Can Use Data to Reveal Credit and Financial Stresses
26 Oct 2023
Contributed by Lukas
Lenders can use targeted consumer data to drive daily decision making. The Equifax Risk Advisory panel of experts discuss how to dig beyond the macroe...
What Lenders Need to Know About Consumer Stress
28 Sep 2023
Contributed by Lukas
Consumers are increasingly facing credit and financial stress. Our panel of Equifax experts including Tom O’Neill, Tom Aliff, Dave Sojka and Jesse H...
Higher Education: A Data-driven Approach to Proving ROI and Putting Students First
24 Aug 2023
Contributed by Lukas
Colleges and universities are facing declining enrollment rates, mounting regulatory pressure, the resumption of student loan payments, the reversal o...
How Lenders Can Find the Hidden Risk in their Portfolio
10 Aug 2023
Contributed by Lukas
In this time of economic uncertainty, it’s important that lenders focus on account management strategies to detect hidden risk in their portfolios. ...
Financial Industry: Assessing Risk as Federal Student Loan Payments Resume
27 Jul 2023
Contributed by Lukas
After a three-year pause, borrowers must resume their federal student loan payments in October. In this episode, the Equifax Risk Advisory group discu...
SoFi: How Fintechs are Navigating Economic Headwinds
29 Jun 2023
Contributed by Lukas
How are fintechs managing economic headwinds and credit tightening? We talk with Ratinder Bedi, Chief Credit Officer at SoFi, about how his company is...
Understanding Market Dynamics in the Current Mortgage Environment
08 Jun 2023
Contributed by Lukas
The mortgage industry is facing high mortgage rates, low housing supply, and a tightening of mortgage credit availability. What does this all mean for...
Moody's Economic Update: Possible Challenges Ahead, Reasons for Hope
25 May 2023
Contributed by Lukas
Leading economic indicators are flashing red for the second half of 2023, but David Fieldhouse, Director of Consumer Credit Analytics at Moody's Analy...
Optimizing Your Marketing Strategy in an Uncertain Economy
11 May 2023
Contributed by Lukas
The financial industry is pulling back on some of its marketing spend. Is that the right strategy for an uncertain economy? Andrew Davidson, Chief Ins...
How Lenders Can Navigate This Credit Tightening Environment
27 Apr 2023
Contributed by Lukas
As economists warn of an impending recession, banks have been raising their rates and tightening lending standards. What is the impact on consumers? A...
How Credit Unions Can Succeed in an Uncertain Economy
13 Apr 2023
Contributed by Lukas
In this uncertain economy, credit unions want to understand the risks and opportunities in their current portfolio. In this episode, we’ll discuss t...
Why Financial Institutions Need a Deposit Growth Strategy
23 Mar 2023
Contributed by Lukas
Financial institutions have become more risk aware following interest rate hikes, an uncertain economy and recent challenges facing regional banks. In...
How Data Helps Lenders Navigate an Uncertain Market
09 Mar 2023
Contributed by Lukas
The number of small businesses has soared, and that means there is still opportunity for lenders despite an uncertain market. Patrick Reily, co-founde...
Auto Industry Outlook for 2023 with Jonathan Smoke
23 Feb 2023
Contributed by Lukas
What can auto lenders and dealers expect this year? Join us as Jonathan Smoke, chief economist for Cox Automotive, discusses the current slump in used...
How the Rising Cost of Living Will Impact Lenders
09 Feb 2023
Contributed by Lukas
The cost of living is rising, and consumers across the globe are feeling the squeeze. How will this impact the lending industry this year? Swarnima Pa...
2023 Economic Outlook: Finding Growth in Consumer & Commercial Lending
26 Jan 2023
Contributed by Lukas
The final episode of our three-part series focuses on consumer and commercial lending in 2023. In our interview with Cris deRitis, Deputy Chief Econom...
2023 Economic Outlook: Labor Market Shines Bright for Now
05 Jan 2023
Contributed by Lukas
This episode takes an in-depth look at the labor market and possible risks it may face in 2023 and beyond. We discuss with Cris deRitis, deputy chief ...
2023 Economic Outlook: Opportunities for Lenders
13 Dec 2022
Contributed by Lukas
Are we heading for a recession in 2023? And what should lenders do to prepare for a year of uncertainty? We interview Cris deRitis, deputy chief econo...
Is It Possible to Authenticate Digital Content?
08 Nov 2022
Contributed by Lukas
Businesses rely on digital photos and videos to make everyday business decisions, but they struggle with confirming the content’s authenticity. Bob ...
What the Next Generation of Data Looks Like for the Auto Industry
15 Sep 2022
Contributed by Lukas
How can the auto industry improve the customer experience? The answer lies in the next generation of data tools. Join Equifax’s Brian Epro as he int...
Is This the Moment for Consumer-Permissioned Data?
06 Jun 2022
Contributed by Lukas
With the summer travel season upon us, a new wave of concerns is hitting consumer wallets. We look at how supply chain shortages, inflation, global co...
Is Your Business Ready for the Changing Face of the U.S.?
15 Mar 2022
Contributed by Lukas
A slower birthrate, the aging Baby Boomers, a record number of retirements due to the COVID-19 pandemic and slowing immigration. All these factors are...
'Tis the Season for Buy Now, Pay Later Loans
07 Dec 2021
Contributed by Lukas
Buy Now, Pay Later (BNPL) loans are skyrocketing in popularity. Younger, tech-savvy consumers like them because they are a fast, easy way to purchase ...
Financial Inclusion’s Role in the Economic Recovery
20 Jul 2021
Contributed by Lukas
In this K-shaped economic recovery, many consumers will prosper, while others will continue to struggle. In this episode, we discuss how VantageScore ...
Entrepreneurship & Credit in the Post-COVID Era
17 Jun 2021
Contributed by Lukas
In this episode of Market Pulse, Katherine Doe of Equifax discusses the U.S. economic outlook for consumer and small business credit with David Fieldh...
Growing Optimism and a Rising GDP
15 Apr 2021
Contributed by Lukas
In this episode of Market Pulse, we discuss the U.S. economic outlook, the American Jobs Plan and consumer credit trends with Cris deRitis, deputy chi...
Pent-Up Demand & Consumer Credit Expectations
04 Mar 2021
Contributed by Lukas
In this episode of Market Pulse, we talk to Tom Aliff, risk consulting leader at Equifax, about consumer credit trends and insights. He shares the lat...
Cautious Optimism for Small Businesses
05 Feb 2021
Contributed by Lukas
In this episode of the Market Pulse podcast, we discuss the latest round of PPP and small business credit and industry trends with Equifax senior data...
Unpacking the Fiscal Stimulus
21 Jan 2021
Contributed by Lukas
In this episode of Market Pulse, we break down the second round of stimulus that took effect in late December. Who won? Who lost? And how will it impa...
Holiday Gift or Kick the Can?
16 Dec 2020
Contributed by Lukas
In the December episode of Market Pulse monthly, we focus on how this week’s news -- the vaccine rollout, Electoral College vote and talks of a stim...
Outlook 2021: Recovery Expectations
19 Nov 2020
Contributed by Lukas
In this episode of the Market Pulse monthly, we focus on the 2021 outlook for the U.S. economy and credit -- both consumer and small business. This tr...
Fiscal Stimulus and the K-Shaped Recovery
15 Oct 2020
Contributed by Lukas
In this episode of the Market Pulse monthly, we focus on the U.S. economy and credit insights -- both consumer and small business. This transcription ...
What Direction will the Economy Take?
17 Sep 2020
Contributed by Lukas
In this episode of the Market Pulse monthly, we focus on the U.S. economy and credit insights -- both consumer and small business. This transcription ...