The Vega team and experts have significant experience consulting and providing expert testimony regarding consumer finance including mortgages, student loans, auto loans, lines of credit, and credit and debit cards. We have been engaged by both the leading providers of these consumer finance products as well as classes of consumers. Experts in our Consumer Finance practice include academics and industry professionals that use sophisticated models to analyze consumer behavior in both litigation and regulatory investigations.
Our team is experienced using large datasets to address issues in these engagements. Vega has state of the art capabilities to efficiently and securely manage sensitive consumer data.
Below is a list of example engagements for our Consumer Finance practice:
Analysis of Underwriting Policies of a Retail Credit Card Program: Vega Economics was retained to support Mr. Myron Glucksman in a securities case to analyze underwriting policies of a retail credit card program, issued by a major private label credit card company.
Analysis of Regulatory Violations in Mortgage Loan Origination: Dr. Andrew Zuppann of Vega Economics was retained to provide an expert analysis of potential regulatory violations in the origination of mortgage loans for an arbitration proceeding. In support of the client, Dr. Zuppann analyzed loan files, origination documents, and related documents for a set of loans with alleged violations of one or more federal regulations and/or other underwriting issues during the origination process.
Master Servicing of RMBS: The Vega team supported the damages rebuttal expert, servicing expert, and securitization expert in the analysis and drafting of expert reports to address claims related to the obligations of an RMBS master servicer.
Consumer Credit After Bankruptcy: The Vega team supported an expert who provided a rebuttal analysis of borrower FICO scores before and after bankruptcy, borrowing behaviors, the impact of derogatory information in credit files, and interest rates offered to consumers after bankruptcy.
Servicing and Master Servicing of RMBS: The Vega team supported both the damages rebuttal expert and the servicing expert in the analysis and drafting of expert reports to address claims related to the obligations of the servicer and master servicer of RMBS in a half dozen cases.
Low Tuck Kwong Distinguished Professor of Finance and a Professor of Economics and Real Estate at the National University of Singapore
- Consumer Finance
- Financial Institutions
- Real Estate
Managing Director, Vega Economics
- Consumer Finance
- Corporate Finance
- Data Science & Statistics
- Labor & Employment
- Securities & Finance
Associate Professor of Business Administration, Finance Unit of Harvard Business School, Faculty Research Fellow, National Bureau of Economic Research
- FinTech, Blockchain, and Cryptocurrency
- Consumer Finance
- Financial Institutions
- Financial Institutions
- Securities & Finance
- Corporate Finance
- Consumer Finance
Charles Evans Gerber Professor of Law at Columbia Law School
- Bankruptcy & Insolvency
- Valuation
- Consumer Finance
Albert and Jeanne Clear Career Development Professor and an Assistant Professor of Finance at the MIT Sloan School of Management
- Securities & Finance
- Corporate Finance
- Consumer Finance
- Financial Institutions
Glenn Klimek Professor of Finance at Leavey School of Business, Santa Clara University
- Securities & Finance
- Environmental, Social, and Governance (ESG)
- Consumer Finance