Fair lending isn't just a compliance obligation; in the age of AI, it's a model quality issue.

In this episode, Kareem Saleh, Founder and CEO of FairPlay AI, explores why the best-performing lenders are optimizing for fairness, predictive accuracy, and explainability together, not as separate work streams.

In the full episode, Kareem covers:
➡️ Why fairness blind spots are model performance problems
➡️ What the VantageScore 4.0 mortgage shift means for lenders
➡️ His outlook for consumer credit over the next 6–12 months

Plus, VantageScore's Susan Fay and Atif Mirza break down the latest CreditGauge™ data for April 2026, including improving delinquency trends and strengthening mortgage originations.

Updated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health.

Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

Debt service burdens are rising across multiple asset classes, and many lenders still aren't filling the data gaps that would help them see it coming.

In this episode, Matt Komos, Founder and CEO of OGMA Risk and Analytics, shares research on VantageScore 4.0's performance in mortgage pre-screening and where lenders are leaving risk management on the table.

In the full episode, Matt covers:
➡️ How VantageScore 4.0 expands first-time buyer access at the top of the mortgage funnel without increasing portfolio risk
➡️ Why trended credit data, cash flow data, and alternative credit are still underutilized even by lenders who say they're a priority
➡️ How geographic precision down to the county level can help lenders grow responsibly

Plus, VantageScore's Susan Fahy and Atif Mirza break down the latest CreditGauge™ data for March 2026, including credit card balances declining, mortgage delinquencies improving 8.1% year-over-year, and Gen Z and millennials driving unsecured lending growth.

Download the full CreditGauge™ analysis at vantagescore.com/lenders/credit-gauge.

Updated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health.

Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

Hundreds of thousands of consumers want to buy homes but aren't quite mortgage-ready. Marcia Griffin has spent her career working with that 95%.

In this episode, Marcia Griffin, Founder and CEO of HomeFree-USA, shares what she's hearing from consumers on the ground and what lenders need to do differently to reach them.

In the full episode, Marcia covers:
➡️ Why getting consumers to simply look at their credit score is the critical first step
➡️ How HomeFree-USA works with first-time buyers, delinquent homeowners, and Gen Z renters who pay their bills but lack traditional credit history
➡️ What partnerships between lenders and nonprofits can unlock that neither can achieve alone

Plus, VantageScore's Susan Fahy and Atif Mirza break down the latest CreditGauge™ data for February 2026, including early-stage delinquencies hitting pre-pandemic levels at 1.15%, credit card originations up 53% year-over-year, and the average VantageScore rising to 701 despite continued migration into lower credit tiers.

Download the full CreditGauge™ analysis at vantagescore.com/lenders/credit-gauge.

Updated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health.

Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.