In 2016, virtually all of the world’s biggest tech companies were announcing competing chatbot projects. For…
Year: 2021
The Failed Chatbot Revolution: Time for a Do-Over!
In 2016, chatbots were all the rage, but they didn’t live up to the hype. Fintech,…
An AI-Run World Needs to Better Reflect People of Color
Much of the data being used to train machine learning algorithms doesn’t take ethnicity or race…
Digital Mortgage
https://singlefamily.fanniemae.com/media/15171/display https://www.flatworldsolutions.com/mortgage/mortgage-loan-process.php
Loan Automation
Lenders need business growth that is not linear and is not tied to the market cycles.…
Black and Latino Borrowers Locked Out of Homeownership in New York City
https://anhd.org/report/black-and-latino-borrowers-locked-out-homeownership-new-york-city-new-data-and-analysis-shows
Using HMDA LAR Data to Uncover Your Institution’s Fair Lending Story
Starting with the 2018 Home Mortgage Disclosure Act (HMDA) data collection, regulators are now able…
HMDA data
https://www.consumerfinance.gov/data-research/hmda/historic-data/?geo=nationwide&records=all-records&field_descriptions=labels
2019 HMDA
https://files.consumerfinance.gov/f/documents/cfpb_2019-mortgage-market-activity-trends_report.pdf
2019 HMDA – Race and Ethnicity
One of the 2015 HMDA rule changes to historical HMDA data points altered reporting requirements for…