Consumer Finance

Great news for our environment and economy! Commercial Property Assessed Clean Energy (C-PACE) projects are gaining momentum in numerous states as legislators incentivize clean energy and sustainability investments.

 With rising interest rates and falling prices, more and more borrowers find themselves stuck in “upside-down” car loans. This article provides a quick glance at the current state of auto loans. 

We had the opportunity to support several outstanding experts in 2022 from a variety of disciplines and welcomed several new experts to our network. You’ll learn more about our work last year in this brochure, our 2022 Year in Review.

Outstanding student loan balance is approaching $1.8 trillion—or $37,787 per recipient. Check out Vega's recent article for some interesting facts on current student loan debt!

Dr. Ehud Ronn recent update addresses the issue of whether there is a perception of “light at the end of the
tunnel” when it comes to the rate of inflation in the U.S. 

Vega is delighted to sit down with expert Dan Castro, Chairman Investment Committee at Samas Asset Management, to discuss the C-PACE landscape, new legislation, litigation risks, and more. 

The CFPB has recently published the proposals it is considering implementing as part of its regulatory responsibility to create regulations requiring AVM quality control standards. This summary addresses some of the issues presented in the CFPB outline and Vega's expertise in this space.

As we look back on our practice throughout 2021, we are proud of the variety of issues our work has covered. We had the opportunity to support several outstanding experts from a variety of disciplines and welcomed several new experts to our network. You’ll learn more about our work last year in this brochure, our 2021 Year in Review.

Keeping abreast of regulatory compliance issues is a crucial component of doing business in the mortgage origination industry. This article offers a background and retrospective on several of the regulations and relevant enforcement entities involved in legal and compliance issues pertaining to residential mortgages.

In a recent American Arbitration Association proceeding, Dr. Andrew Zuppann and Vega Economics were retained by claimant's counsel to provide an expert analysis regarding the respondents' regulatory violations in the origination of mortgage loans.

Part 3 of Vega's 3-part series on student loans discusses the unique features of SLABS that create both opportunities and risks for investors, as well as the implications of the COVID-19 pandemic on forbearances and cash flows.

Part 2 of Vega's 3-part series on student loans presents a survey of methods for modelling student loan default. 

Part 1 of Vega's 3-part series on student loans discusses current trends in private student loans, including key statistics on originators, performance, and SLABs.

Two Vega experts recently published a study in the Review of Economic Studies providing insight into quantitative easing and household spending during the most recent recession, which may be relevant to the current economic climate following the COVID-19 shutdowns.

Dr. Di Maggio's new study offers insight into what happens when borrowers' student loan debt is cancelled, concluding that cancelling student loans frees up borrowers to make decisions that improve their financial lives.