Why fintech BNPL credit reporting is a tough lift for banks

Affirm is reporting consumers’ buy now/pay later loans to Experian, following a February study with FICO. It’s one of the first steps in credit reporting for BNPL, potentially complicating banks’ assessments for other types of lending.

CFPB’s Vought orders review of all past guidance

Acting Consumer Financial Protection Bureau Director Russell Vought also directed that future guidance not use the words “shall,” “must,” “required” or “requirement” to direct parties outside the federal government, except when restating clear legal mandates.