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Tom Oscherwitz

Tom Oscherwitz is VP of Legal and Regulatory Advisor at Informed.IQ, an AI software company with a specialty in auto lending. He has over 25 years of experience as a senior government regulator (CFPB, U.S. Senate) and as a fintech legal executive working at the intersection of consumer data, analytics, and regulatory policy. Contact him at tom.oscherwitz@informediq.com.

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Tom Oscherwitz Posts

human and robot shaking hands
Business Strategies

The End of the “Manual Review Trap”: Re-engineering Subprime Lending for 2026

01.26.2026

The subprime finance industry is approaching a critical era. For years, the…

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Ches piece
Compliance

The Peril of Preemption – A Gamble for Subprime Finance

01.12.2026

President Trump’s recent Executive Order (EO) on “Ensuring a national policy framework…

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100 USD bills with the word lending
Compliance

Fair Lending Is Dead, Long Live Fair Lending…

11.11.2025

The phrase “Le roi est mort, vive le roi!”—the king is dead,…

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image with laptop and letters that spell fraud
Portfolio Management

The Digital Footprint Imperative: Why Subprime Lenders Must Evolve to Combat Modern Document Fraud

09.16.2025

The subprime lending industry is certainly in a state of flux. While…

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AI

Tips for Subprime Industry Stakeholders to Navigate AI Hallucinations

07.22.2025

AI tools present exhilarating opportunities for the subprime industry. Lenders and retailers…

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Compliance

The CFPB is on Life Support, but Compliance Shouldn’t Be

04.14.2025

In recent weeks, the Trump administration has significantly reduced funding for federal…

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AI

The Looming Threat of Deepfakes: A New Era of Financial Fraud 

03.31.2025

In recent years, while AI has empowered lenders to enhance their businesses,…

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AI

Are You Maximizing the Right “Look Back” Strategy to Set the Course for 2025?

01.21.2025

As we enter the first quarter of 2025, subprime lenders are presented…

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Compliance

Based on CFPB Documented Consumer Complaints, are Junk Fees Really in the Spotlight?

10.07.2024

If you are a subprime auto lender, it’s worth keeping your eye…

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