CFPB Debanking Investigation: Operation Choke Point Comes Full Circle
CFPB Debanking Investigation: Operation Choke Point Comes Full Circle Last updated: October 20, 2026 On October 14, 2026, the Consumer Financial Protection Bureau announced it is investigating nine of the largest banks in America, Chase, Bank of America, Citibank, Wells Fargo, U.S. Bank, Capital One, PNC, TD Bank, and BMO, over account closures and restrictions […]
Cash Advance Apps Are Coming for Your Subprime Lending Customers
Your Next Borrower Already Has 5 Lenders | The Business of Lending THE BUSINESS OF LENDING Money to Strangers. Underwriting. Collections. Compliance. Technology. The Business. THE COMPETITION YOU MAY BE UNDERESTIMATING Your Next Borrower Already Has 5 Lenders. None of Them Have a Storefront. 14 cash advance apps. $3,899 advanced. Approximately $368 in reported costs. […]
Your Collateral May Die Before Your Loan Does
A title lender’s collateral guide may say $6,000, but what happens when the vehicle brings just $2,500 after repossession expenses? New auto-finance data raises an important underwriting question for title lenders
YOUR LOAN MANAGEMENT SYSTEM IS ABOUT TO GET A NEW EMPLOYEE. AND IT DOESN’T NEED A DESK.
THE BUSINESS OF LENDING | ARTIFICIAL INTELLIGENCE YOUR LOAN MANAGEMENT SYSTEM IS ABOUT TO GET A NEW EMPLOYEE. AND IT DOESN’T NEED A DESK. AI is moving from answering questions about loan files to performing actual work inside lending systems. Payday, title, and installment lenders need to pay attention. I’ve spent a long time in […]
Why Payday, Title & Installment Loan Demand Booms, Slows, and Surges Again: The Subprime Lending Calendar
The Subprime Lending Calendar What SEC filings, IRS data, and decades of lending experience reveal about payday, title, installment, and line-of-credit seasonality. THE BUSINESS OF LENDING RESEARCH • STRATEGY • OPERATIONS INDUSTRY RESEARCH | OCTOBER 2026 The Subprime Lending Calendar: Why Some Months Boom and Others Go Bust What SEC filings, IRS data, and decades […]
THREE THREATS TO YOUR LENDING BUSINESS. NONE OF THEM WALKED THROUGH YOUR FRONT DOOR.
Three Threats to Your Lending Business | The Business of Lending THE BUSINESS OF LENDING Money to Strangers October 12, 2026 | The Operator Newsletter | Jer Ayles THREE THREATS TO YOUR LENDING BUSINESS. NONE OF THEM WALKED THROUGH YOUR FRONT DOOR. A major lender loses 23% of its market value in one day. A […]
Texas Title Loans: Lifeline, Loophole, or the Last Door Still Open?
Texas Title Loans: Lifeline, Loophole, or the Last Door Still Open? Last updated: October 4, 2026 Texas title loans are short-term loans secured by a borrower’s clear car title. Most are arranged by a Credit Access Business (CAB) licensed under Chapter 393 of the Texas Finance Code, which brokers the loan to a third-party lender […]
28 COLLECTORS IN AN HOUR. GREAT. DID ANYBODY PAY?
28 COLLECTORS IN AN HOUR. GREAT. DID ANYBODY PAY? Something happened in collections this week that every payday, title and installment lender should pay attention to. PayNearMe launched an AI servicing and collections agent. And buried inside the announcement was a number that jumped off the page at me. In one pilot campaign, the AI […]
Title Loan Underwriting: Your Collateral Is Also Your Borrower’s Paycheck Machine
Title Loan Underwriting: Your Collateral Is Also Your Borrower’s Paycheck Machine Last updated: September 17, 2026 Title loan underwriting measures what the vehicle is worth if you take it. It almost never measures what the vehicle is worth to the borrower’s ability to keep paying you. Those are two different values. A title lender who […]