Consumer Financial Services

Applying rigorous economic and statistical analysis and a solid understanding of consumer financial services, Edgeworth provides testifying and consulting services for litigation, enforcement, examination, and compliance.

Since the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act, consumer financial services have experienced rapid regulatory and technical change. Edgeworth’s work draws on our experience at the CFPB, FDIC, Federal Reserve, and FHFA, as well as our engagements and thought leadership in the economics of discrimination and antitrust. Our team has worked on issues in numerous areas of consumer finance, including mortgages, student loans, credit cards, credit reporting, and servicing and collections. We work with clients to understand their economic incentives, and apply our research and experience in analyzing the economic and behavioral incentives of other market participants (e.g., banks, non-banks, secondary market investors, servicers, and consumers).

Our expertise includes:

  • Economic analysis and expert testimony in litigation, enforcement actions, and administrative law proceedings
  • Advisory services related to compliane for consumer financial services providers
  • Fair-lending analytics
  • Program evaluation for product and disclosure testing
  • In-depth economic studies and white papers related to consumer financial services policy

Edgeworth’s collaborative culture enables us to draw on our experience and expertise in discrimination, class action, false claims, and commercial damages to apply thoughtful, data-driven approaches to consumer finance issues.

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