Credit Process
Blowing It Up 
Why subprime auto lenders fail Over the years, many of my articles have dealt with debunking jour...
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Preventing Performance Shocks
In the fourth quarter of 2022, many auto lenders were surprised by elevated levels of delinquency...
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Embracing a Big Picture View of Credit Risk
The third quarter of 2022 concluded with numerous signs suggesting negative economic headwinds ar...
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Can Theory Be a Substitute for Evidence? The CFPB and…
When I was a young attorney at the Federal Trade Commission, the FTC’s Bureau of Competition was ...
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