The financial landscape is evolving rapidly, with alternative finance playing a critical role in bridging gaps left by traditional banking. This session explores the rise of earned wage access, peer-to-peer lending, and fintech solutions that empower consumers and small businesses. Attendees will gain insight into the regulatory challenges and opportunities shaping the industry, as well as actionable strategies to navigate and leverage these financial innovations.
Consumer protection policies often claim to safeguard individuals, but do they truly help? In this talk, Patrick M. Brenner breaks down the unintended consequences of well-meaning regulations, from rate caps to restrictive lending laws, and explains how advocacy efforts can promote financial inclusion while protecting consumer choice. Attendees will leave with a better understanding of how policy decisions impact real-world financial access.
Public policy plays a crucial role in shaping economic outcomes, but how do we ensure policies benefit consumers and businesses alike? This session explores a data-driven approach to public policy, analyzing case studies of successful and failed regulatory interventions. Attendees will learn how to evaluate policies using empirical research and real-world outcomes, helping them engage effectively in policy discussions and advocacy.
Understanding consumer behavior is essential for crafting financial products and services that truly meet their needs. This talk delves into customer emulation—using data and behavioral insights to predict consumer preferences and market trends. Attendees will discover how financial institutions and policymakers can better align their strategies with real-world consumer habits, driving innovation and improving service delivery.
Millions of Americans struggle with limited access to credit due to outdated risk models and restrictive regulations. This session highlights the importance of financial inclusion and explores cutting-edge solutions—such as alternative credit scoring and regulatory reform—that can expand credit opportunities for underserved communities. Attendees will leave with actionable insights into how financial innovation can empower consumers and drive economic growth.
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