FinRegLab
An independent innovation center
FinRegLab is a nonprofit innovation center that tests new technologies and data to inform public policy and drive the financial sector toward a responsible and inclusive financial marketplace. With our research insights, we facilitate discourse across the financial ecosystem to inform public policy and market practices.
Research Focus Areas
Our research priorities are informed through engagement with policymakers and with input from industry, academia, and advocate groups. Through our empirical work, market monitoring, and convening activities, we produce timely reports that provide fact-based insights and legal and policy analysis to inform the financial sector.
The Use of Alternative Data in
Underwriting Credit
Data from bank accounts and utility, telecom and rental payments are some of the most promising forms of non-traditional data to expand responsible access to credit for consumers and small businesses.
Read MoreAI and Machine Learning in
Financial Services
AI and machine learning are transforming many aspects of financial services, but broader adoption will depend on resolving explainability, reliability, and fairness questions.
Read MoreBuilding an Inclusive Recovery to the
COVID-19 Pandemic
We are studying ways that technology and data can facilitate emergency triage and lay the groundwork for longer-term rebuilding, both for those hardest hit by COVID-19 and for traditionally underserved populations.
Read MoreOur Process
FinRegLab is a nonprofit innovation center that tests new technologies and data to drive the financial sector toward a responsible and inclusive marketplace and to inform public policy. Our operational model is designed to generate three types of insights:
Ground-breaking empirical research
We leverage our technical capacity and legal acumen to undertake experiments that produce actionable insights for industry stakeholders, advocates, and policymakers. For the financial sector and innovators, we serve as trusted intermediaries to explore and evaluate specific applications of technology and data and to consider implications for markets and public policy.
Cross-sector market intelligence
Building on our relationships with both fintechs and traditional financial institutions across different parts of the industry, we compile market intelligence and emerging trends in data, technology, and financial services. This intelligence is critical to identifying best practices and spotting emerging policy issues.
Dialogue with diverse stakeholders
In addition to working with industry, academics, and advocates through standing advisory bodies and working groups, we invite regulators to participate as observers and engage with us through bilateral conversations. This structure provides a safe space for participants to surface and share perspectives about critical market, policy, and ethical questions.
In conducting these activities, we share updates and findings with financial services executives and policymakers at multiple stages to ensure that our research and engagement prioritizes high-value topics and is disseminated to key audiences in a timely way. We also elevate the public dialogue by organizing symposiums and tech sprints and sharing our work with the community at large.
FinRegLab Podcasts & Webinars
Getting Ahead of the Curve: Emerging Issues in the Use of AI and Machine Learning in Financial Services
Watch WebinarArtificial Intelligence in Financial Services: U.S. Senate Committee on Banking, Housing, and Urban Affairs
Watch HearingMachine Learning Explained: Evidence on the Explainability and Fairness of ML Credit Models
Learn MoreArtificial Intelligence and the Economy: Charting a Path for Responsible and Inclusive AI
Learn MoreUnlocking Doors: The Promise and Peril of Using Alternative Data in Mortgage Underwriting
Learn MorePodcasts on Explainability
and Fairness of Machine Learning in Credit Underwriting
Listen NowFederal Regulatory Considerations for the Use of Artificial Intelligence in Credit Underwriting
Watch WebinarAssessing Federated Machine Learning’s Potential for Transforming KYC/AML
Watch WebinarFounding Supporter
Contact us
Interested in working with us? Got a perspective on a policy matter or research topic? Get in touch.