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Navigating Economic Uncertainty: A 2025 Outlook for Commercial Lenders

Jan 24, 2025 | equifax.com | David Adams

For many commercial lenders and service providers the economic landscape in 2025 is a lot like driving on a foggy night. Visibility is limited, the road is unpredictable, and the natural response is to slow down. For businesses, policymakers, and consumers alike, uncertainty has become the new normal. From potential shifts in trade policies to concentrated job growth, the Federal Reserve and the broader economy must navigate this challenging terrain with care.
FAQ: What is Inflation?

Jan 16, 2025 | equifax.com | Tom O’Neill

Even if you’re not sure about the exact definition of inflation, you have probably felt its effects. Here, we’ll share: What is inflation? How does inflation affect me and my family? What will happen with inflation in 2025? Of course, there is no way to predict the future. The good news is that our experts are well-versed in inflation, so you’ll learn what you need to know here. Inflation is the gradual increase in the cost of goods and services, like groceries, gas, and rent, over time.
Preparing for Financial Value Transparency and Gainful Employment? 5 Key Takeaways

Sep 11, 2024 | equifax.com | Jason Berman

The higher education landscape is constantly evolving and is undergoing a significant transformation with the introduction of the Financial Value Transparency and Gainful Employment Act (FVT/GE). This act builds upon the foundations of previous Gainful Employment regulations. It mandates institutions to provide granular data on program-level and student-level outcomes, especially for students receiving federal aid. The primary purpose is to check the financial feasibility of educational programs.
How to Grow Deposits from Small Businesses

Sep 9, 2024 | equifax.com | David Adams

What do you think of when you hear “deposit growth”? For many, the immediate reaction is to think ‘consumer savings’, which wouldn’t be a big surprise. After all, many banks and credit unions have expanded efforts to promote consumer savings and checking accounts to new customers. Not to mention, evaluate current customers and pursue strategies to encourage retention and increase deposits. But consumers are not the only place to look for deposits.
What Now? How Lenders, Service Providers and Small Businesses are Responding in Q3 2024

Jul 25, 2024 | equifax.com | David Adams

In today's economic landscape, small businesses face a complex web of both challenges and opportunities. Market trends and financial dynamics influence these complexities. We understand there are multiple pain points, but we also see hope. Let's explore how these factors are shaping the small business environment.
Inflation, Consumer Spending, and Stagflation: Insights for Small Businesses

Jun 26, 2024 | equifax.com | David Adams

In June’s Small Business Indices, we focused on consumer spending and its implications for the overall economy. In this blog, we will share insights on growth and lending practices as well as the latest news on “stagflation.” Overview First, we can report that while inflation has slowed, it is still one of biggest concerns for small businesses.¹ Although the numbers are less volatile year-over-year than month-over-month, the latter is a truer read.
How to Elevate Your Account Management Practices

Jun 17, 2024 | equifax.com | Erica Gunn

Consumers' financial stability is an always shifting landscape. This is influenced by factors like job changes, inflation, and economic fluctuations. These factors are why credit risk managers need to stay ahead of these changes to manage accounts and mitigate risks. While credit scores offer a foundational understanding, they often do not provide insights into consumers' full financial health. That's why credit risk managers need to find better ways to manage accounts.
How Colleges can Ease Compliance with New FVT and GE Rules While Showcasing Degree Programs

May 28, 2024 | equifax.com | Jason Berman

Aren’t you curious? Wondering where your college degree programs will land on the affordability spectrum when the new earning premium metrics are implemented? The research is on your side. A 2021 study shows that a college degree is well worth the financial investment. But does that still hold true with today’s ongoing economic uncertainty, tight job market, and stubborn inflation? Here, I’ll share how you can understand in advance where your school stands.
Understanding the Economic Landscape for Small Businesses

May 17, 2024 | equifax.com | David Adams

In recent months, the U.S. economy has been navigating various challenges, affecting both big and small players alike. Let's take a closer look at what's been happening and what it means for small businesses across the country based on the information in the Equifax May 2024 Main Street Lending Report. Economic Growth and Jobs The U.S. economy grew by 1.6% in the first quarter of this year.
2024 Small Business Trends: Default & Delinquency

May 16, 2024 | equifax.com | David Adams

In honor of Small Business Month, we’re sharing tools and thought leadership to keep you in-the-know. Below, you’ll find an overview of the 2024 Market Trends and Predictions Report. Here, we will focus on default and delinquency. However, even with the economic uncertainty, there are still reasons to be optimistic about potential market growth, as you will see in this report.