Research

Explore insights into fintech trends

AFC Research
AFC Member Research
Academic Research

Recent industry-related research

Why are the ‘underbanked’ paying more for financial services?

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AFC Research

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Research

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Third Party Risk Management Observations and Recommendations for Federal Banking Agencies

CBA, AFC, CFES, ICBA

Research

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A Call for Clarity: Removing Regulatory Barriers to Healthy Secondary Markets in Consumer Credit

American Fintech Council

Research

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COMPANY PROFIT OVER CONSUMER PROTECTION

American Fintech Council

Research

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Survey: Views on Inflation and Additional Student Loan Action

American Fintech Council

Research

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Survey: Mounting Inflation Casts Shadow on Upcoming 2022 Midterms and Additional Action on Student Loans

American Fintech Council

Academic Research

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Is it Credit?

William & Mary Law Review

Research

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The Consumer Credit Card Market Report to Congress

CFPB

Research

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The Impacts of Earned Wage Access: How Giving Workers More Control Over Pay Timing Can Increase Income and Boost Financial Stability

University of Oregon

Research

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INNOVATION AT THE INTERSECTION: A POLICY BLUEPRINT FOR BANK-FINTECH PARTNERSHIPS

NEW YORK UNIVERSITY JOURNAL OF LAW & BUSINESS

Research

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Access to Consumer Financial Data: Open Banking and the CFPB’s Section 1033 Rule

Congressional Research Service

Research

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In Consumer Credit Markets, Can Fairness and Profits Rise Simultaneously?

Federal Reserve Bank of Philadelphia

AFC Member Research

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Research

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THE REGULATION OF MARKETPLACE LENDING: A Digest of the Principal Issues

Chapman

Research

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New Data, Clear Signal: Credit Building Tools Drive Results

Financial Health Network & Self Financial

Research

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Unlocking Latino Wealth: Fintech and Latinos May 2025

Latino Prosperity

Research

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Breaking the fee cycle How flexible rent payments improve financial stability and housing security

Flex

Research

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The Regulation of Marketplace Lending: A Summary of the Principal Issues

Chapman

Research

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2023 Access to Credit Report

Upstart

Policy goals

Discover our primary focus areas by reading about our core issues:

Fintech Lending (Bank Fintech Partnerships)

Embedded Finance

Earned Wage Access (EWA)

Buy-Now-Pay-Later

Open Banking

Artificial Intelligence

Supervisory and Regulatory Technology

Student Lending

Responsible Innovation within the Credit Reporting Ecosystem

Digital Assets

Payments

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2025 AFC Policy Summit Roundtables

The Future of Fintech Relationships with Sponsor Banks: Decoupling or Doubling Down?

Facilitated by Marc P. Franson, Tobias Moon, & Matthew Stone, Partners, Chapman and Cutler

Charging Forward: The Economics Behind Open Banking

Facilitated by Phil Knight, Director, Financial Services Risk & Regulatory Consulting, Forvis Mazars

What’s in a Name? A discussion of the meaning and impact of an FBO Account

Facilitated by Matthew Bornfreund & Evan Minsberg, Partners, Morrison Foerster

Practical Legal and Compliance Considerations for Developing and Deploying AI

Facilitated by Caroline Stapleton, Partner, Orrick

The Autonomous Edge: Governing Agentic AI’s Leap from Innovation to Accountability

Facilitated by Vinay Bhaskar, COO & Adam Saad, Head of Product, Scienaptic AI

RegTech Rising: Smarter Tools for a Complex Environment

Facilitated by Chris Hilliard, CEO, Founding Members, Winnow

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