In this episode of Data Driven Finance, we talk with David Silberman. David is a Visiting Lecturer in Law at Yale Law School as well as a Senior Advisor to the Center for Responsible Lending, the Financial Health Network, and other notable organizations. He taught and lectured at Georgetown University and Harvard University, and was the Consumer Financial Protection Bureau’s Associate Director for Research, Markets and Regulation from November 2010 to February 2020. In this episode, we cover such topics as:

What the Center for Responsible Lending does
Results of some of the Center’s research
What the Financial Health Network aims to do
What lenders are doing to get better information and data to make better decisions
The current problems with credit scores as indicators of credit-worthiness
Where technology has (and hasn’t) made the loan application process easier for consumers
What lenders are looking for in cash flow data
Improving inclusivity while still making responsible loans
What defines financial health
Advice on wealth building for Gen Z

 
Some Helpful Links:
Center for Responsible Lending
Financial Health Network
Yodlee

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