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:

Sumit Agarwal

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
Daphne Chen

Managing Director, Vega Economics

  • Consumer Finance
  • Corporate Finance
  • Data Science & Statistics
  • Labor & Employment
  • Securities & Finance
Marco Di Maggio

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
Andra Ghent

Professor at University of Utah

  • Securities & Finance
  • Consumer Finance
  • Real Estate
Myron S. Glucksman

  • Financial Institutions
  • Securities & Finance
  • Corporate Finance
  • Consumer Finance
Edward Morrison

Charles Evans Gerber Professor of Law at Columbia Law School

  • Bankruptcy & Insolvency
  • Valuation
  • Consumer Finance
Christopher Palmer

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
Meir Statman

Glenn Klimek Professor of Finance at Leavey School of Business, Santa Clara University

  • Securities & Finance
  • Environmental, Social, and Governance (ESG)
  • Consumer Finance
July 28, 2023 | News
C-PACE Investment Shows Consistent Growth

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.

June 16, 2023 | Article
Upside-Down Auto Loans

 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. 

February 21, 2023 | Brochure
2022 Year in Review

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.

January 12, 2023 | Article
Student Loan Debt Approaches $1.8 Trillion

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!

September 28, 2022 | Article
Has the U.S. Turned a Corner on Inflation?

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. 

September 9, 2022 | Insights from Experts
Insights from Daniel Castro: C-PACE Landscape, New Legislation & Litigation Risks

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. 

March 23, 2022 | News
The CFPB Seeks Comments on its Proposed Rules on the Use of AVMs

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.

January 28, 2022 | Brochure
2021 Year in Review

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.

December 27, 2021 | Article
The Regulatory Landscape of the Mortgage Origination Industry

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.

October 1, 2021 | Featured Engagement
Analysis of Regulatory Violations in Mortgage Loan Origination

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.

September 14, 2021 | Article
Part 3: Student Loans and the SLABS Landscape

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.

February 19, 2021 | Article
Part 2: Modelling the Default of Private Student Loans

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

January 11, 2021 | Article
Part 1: Recent Trends in Private Student Loans

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.

November 19, 2020 | Article
How Quantitative Easing Works: Evidence on the Refinancing Channel

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.

June 3, 2019 | News
Second Chance: Life without Student Debt

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.