# Informed

> Instantly Verify Income, Identity, and Detect Fraud

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## Posts

- [Discover Desert Financial's Funding Transformation](https://245036008.hs-sites-na2.com/straight-through-lending-insider-discover-desert-financials-funding-transformation-1): Fraud is getting harder to see, funding efficiency is under pressure, and manual verification can't keep pace with either. This issue is a field guide for staying ahead of all three.
- [What Wells Fargo sees that most lenders miss ](https://www.autofinancenews.net/allposts/technology/what-wells-fargo-sees-that-most-lenders-miss/): See how Wells Fargo is fighting auto loan fraud by shifting detection earlier in the funnel — before funding, not after. Insights from Informed.IQ.
- [Why Misaligned Risk Functions Are Costing Dealers and Lenders More Than They Realize](https://informediq.com/wp-content/uploads/2026/06/Why-Misaligned-Risk-Functions-Are-Costing.pdf): Misaligned fraud, credit, and audit functions cost dealers and lenders millions. Learn why document integrity is now a critical risk variable.
- [Why Your Manual Fraud Analysts May Be Looking at the Wrong Things](https://digitaldealer.com/news/why-your-manual-fraud-analysts-may-be-looking-at-the-wrong-things/170708/): Explore why lenders still rely on manual fraud review, where human analysts add value, and how AI can improve fraud detection and compliance.
- [AI Industry’s Role in Defining Financial Services Standards](https://www.unite.ai/financial-services-generative-ai-regulation-sr262/): As federal AI oversight recedes, financial institutions must take the lead on AI governance, managing emerging risks while shaping industry standards.
- [AFS East 2026 Recap: AI, Fraud Risk, and Operational Efficiency in Auto Finance](https://informediq.com/afs-east-2026-recap-ai-fraud-risk-and-operational-efficiency-in-auto-finance/): Key takeaways from AFS East 2026 on AI automation, fraud prevention, operational efficiency, wholesale market trends, and risk strategies in auto finance.
- [Advancing risk management, fraud prevention, customer engagement with AI](https://informediq.com/advancing-risk-management-fraud-prevention-customer-engagement-with-ai/): Explore how AI is transforming auto finance through fraud prevention, risk assessment, customer engagement, and compliant automation.
- [The Power of Accurate Data & Model Validation in Auto Finance AI](https://informediq.com/the-power-of-accurate-data-and-model-validation-in-auto-finance-ai/): Discover how accurate data, model validation, and compliant AI help auto lenders reduce fraud, speed approvals, and strengthen compliance.
- [Verification, Rewritten: What We Learned at CBA Live](https://informediq.com/verification-rewritten-what-we-learned-at-cba-live/): AI is transforming fraud detection in lending. Key insights from CBA Live on real-time verification, underwriting, and risk intelligence.
- [Informed named as a Market Disruptor in the Financial Crime and Compliance50 (FCC50) 2026 Ranking & Report](https://informediq.com/wp-content/uploads/2026/03/Chartis-Research-Financial-Crime-and-Compliance50-FCC50-2026-Ranking-Report-Informed.IQ-Vendor-Profile.pdf): Informed.IQ has been recognized by Chartis Research as a Market Disruptor in the FCC50 2026 report, along with the category award for Vertical and Segment Excellence in Asset-backed Finance.
- [AFSA Vehicle Finance Conference Recap: Auto lending leaders call for collaboration to fight fraud](https://informediq.com/afsa-vehicle-finance-conference-recap-auto-lending-leaders-call-for-collaboration-to-fight-fraud/): Auto lending leaders at the AFSA Vehicle Finance Conference discussed fraud threats, synthetic identities, credit washing, and the need for industry collaboration.
- [Tipping the Seesaw: How Financial Deregulation Opens the Door to Fraud](https://informediq.com/tipping-the-seesaw-how-financial-deregulation-opens-the-door-to-fraud/): When regulatory oversight declines, fraud risk rises. Learn why financial institutions must strengthen compliance and fraud detection during deregulation.
- [Miami Blues: A “Fraud Watch” Case Study](https://informediq.com/miami-blues-a-fraud-watch-case-study/): Inside a South Florida auto loan fraud ring: how criminals exploited bank statement verification gaps—and what lenders can do to detect fraud faster.
- [Great Expectations: How Expectation Definitions Strengthen Document Fraud Detection](https://informediq.com/great-expectations-how-expectation-definitions-strengthen-document-fraud-detection/): Learn how expectation definitions enable lenders to instantly recognize legitimate documents, reduce fraud, and improve the borrower experience.
- [AI-Driven Portfolio Maintenance: The New Credit Risk Advantage in Auto Lending](https://informediq.com/ai-driven-portfolio-maintenance-the-new-credit-risk-advantage-in-auto-lending/): AI-driven portfolio maintenance helps auto lenders detect risk early, prevent fraud, and optimize credit policies for stronger, more resilient portfolios.
- [Tracking Illegitimate Data Collisions](https://informediq.com/tracking-illegitimate-data-collisions/): Fraudsters can fake documents—but not data context. Informed detects “illegitimate data collisions” to uncover synthetic income fraud.
- [Fair Lending Is Dead, Long Live Fair Lending…](https://nonprimetimes.com/fair-lending-is-dead-long-live-fair-lending/)
- [Fair Lending is Dead, Long Live Fair Lending](https://informediq.com/fair-lending-is-dead-long-live-fair-lending/): Fair lending enforcement may be shifting at the Federal level—but for lenders and service providers, audits and compliance expectations remain alive.
- [Circular Bank Statement Fraud: The New Synthetic Income Scam Subprime Lenders Must Fight](https://nonprimetimes.com/circular-bank-statement-fraud-the-new-synthetic-income-scam-subprime-lenders-must-fight/)
- [Transaction Recycling is Becoming a Massive Document Fraud Problem](https://informediq.com/transaction-recycling-is-becoming-a-massive-document-fraud-problem/): Transaction recycling is rising fast in bank statement fraud. Discover how Informed detects and prevents this new threat in Informed's Fraud Watch issue 1.
- [AI in Auto Finance: Advancing Risk Management, Fraud Prevention, and Customer Engagement](https://informediq.com/ai-in-auto-finance-advancing-risk-management-fraud-prevention-and-customer-engagement/): AI is transforming auto finance—enhancing fraud detection, risk management, and customer engagement while driving compliance, efficiency, and profitability.
- [Circular Bank Statement Fraud: The New Synthetic Income Scam](https://informediq.com/circular-bank-statement-fraud-the-new-synthetic-income-scam/): Synthetic income scams are evolving with circular bank statement fraud, making it harder than ever for lenders to detect fraud without the right defenses.
- [Digital Footprints: How Lenders Can Use Real-World Data to Combat Document Fraud](https://informediq.com/digital-footprints-how-lenders-can-use-real-world-data-to-combat-document-fraud/): Discover how subtle “footprints” in paystubs and bank statements can expose synthetic document fraud and help lenders stay protected.
- [Tips for Auto Industry Stakeholders to Navigate AI Hallucinations](https://informediq.com/tips-for-auto-industry-stakeholders-to-navigate-ai-hallucinations/): AI hallucinations pose real risks in auto finance. Learn how to identify, manage, and reduce false outputs in your AI-powered workflows.
- [How a Humanities Degree Can Give You an Edge in the AI Job Market](https://informediq.com/how-a-humanities-degree-can-give-you-an-edge-in-the-ai-job-market/): Discover why a humanities degree can set you apart in the AI job market—and how your unique skills are key to the future of tech.
- [Faster Funding, Fewer Errors: Rethinking Document Verification in Lending](https://informediq.com/faster-funding-fewer-errors-rethinking-document-verification-in-lending/): Automate loan document verification in minutes—not days—with Informed.IQ + MeridianLink DecisionLender®. Faster funding, fewer errors, no custom builds needed.
- [What role should consumers have in combating AI-generated fraud?](https://informediq.com/what-role-should-consumers-have-in-combating-ai-generated-fraud/): AI-generated fraud is outpacing human detection. Learn why lenders need AI tools and how consumers’ role in fraud prevention is evolving.
- [How Compliance Can Keep Pace with the Velocity of AI Innovation](https://informediq.com/how-compliance-can-keep-pace-with-the-velocity-of-ai-innovation/): How compliance can keep pace with AI innovation by embracing real-time tools, frameworks, and deeper collaboration with product and engineering teams.
- [The Looming Threat of Deepfakes: A New Era of Financial Fraud](https://nonprimetimes.com/the-looming-threat-of-deepfakes-a-new-era-of-financial-fraud/)
- [The CFPB is on Life Support, but Compliance Shouldn’t Be](https://nonprimetimes.com/the-cfpb-is-on-life-support-but-compliance-shouldnt-be/): Despite federal cutbacks, subprime auto lenders must prioritize compliance to mitigate risk, maintain trust, and prepare for future regulatory shifts.
- [The Looming Threat of Deepfakes: A New Era of Auto and Financial Fraud](https://www.autosuccessonline.com/ai-deepfake-fraud-prevention/)
- [Are you maximizing the right ‘look-back’ strategy to set the course for 2025?](https://informediq.com/wp-content/uploads/2025/04/Are-you-maximizing-the-right-‘look-back-strategy-to-set-the-course-for-2025.pdf)
- [The Looming Threat of Deepfakes: A New Era of Auto & Financial Fraud](https://www.dealerelite.net/profiles/blogs/the-looming-threat-of-deepfakes-a-new-era-of-auto-amp-financial): Deepfakes pose a growing threat to auto and financial fraud. Learn how AI-driven fraud detection and consortium data help combat these sophisticated schemes.
- [The CFPB is on Life Support, But Compliance Shouldn’t Be](https://informediq.com/the-cfpb-is-on-life-support-but-compliance-shouldnt-be/): Even with the CFPB weakened, compliance remains crucial. Learn why state laws, lawsuits, and reputation risks make strong compliance a smart business move.
- [How AI-Powered Chatbots and Intelligent Verification Are Transforming Auto Finance](https://informediq.com/how-ai-powered-chatbots-and-intelligent-verification-are-transforming-auto-finance/): AI-powered chatbots and intelligent verification are transforming auto finance with real-time insights, automation, and personalized borrower support.
- [Understanding How the U.S. Treasury Views AI in Auto Finance](https://www.autosuccessonline.com/u-s-treasury-views-ai-auto-finance/): U.S. Treasury report supports AI in auto finance, urging responsible innovation, risk mitigation, and stronger compliance across the financial sector.
- [Fraud Losses Soared to $12.5 Billion in 2024—Here’s What Auto Lenders Should Know](https://informediq.com/fraud-losses-soared-to-12-5-billion-in-2024-heres-what-auto-lenders-should-know/): FTC data reveals $12.5B in consumer fraud losses in 2024. Lenders need digital verification tools to mitigate risk and improve compliance.
- [Enhancing Fraud Detection in Auto Lending: Leveraging Data to Protect Against Financial Loss](https://informediq.com/enhancing-fraud-detection-in-auto-lending-leveraging-data-to-protect-against-financial-loss/): Informed is committed to staying ahead in the fight against fraud and can spot misrepresentation in bank statements, paystubs, and other critical documents to help our clients avert fraud loss.
- [Lenders, dealers partner to fight new scam types](https://informediq.com/wp-content/uploads/2025/01/Lenders-dealers-partner-to-fight-new-scam-types.pdf)
- [Working together: How auto industry players are fighting back against digital fraud](https://informediq.com/wp-content/uploads/2025/03/Working-together-How-auto-industry-players-are-fighting-back-against-digital-fraud_Auto-Remarketing-March-2025.pdf): Auto dealers are losing millions to a new digital fraud scheme. See how industry collaboration is turning the tide against scammers.
- [AI Trends Shaping Auto Finance: The Fine-Tuning Tradeoff and Document AI](https://informediq.com/ai-trends-shaping-auto-finance-the-fine-tuning-tradeoff-and-document-ai/): Discover how AI fine-tuning, model distillation, and ensemble AI are transforming auto finance, enhancing fraud detection, risk assessment, and efficiency.
- [Understanding How The U.S. Treasury Views The Use of AI in Auto Retail & Finance](https://www.dealerelite.net/profiles/blogs/understanding-how-the-u-s-treasury-views-the-use-of-ai-in-auto): Treasury's latest report examines AI's role in auto finance, highlighting benefits, risks, and best practices for responsible innovation & regulatory alignment.
- [The Looming Threat of Deepfakes: A New Era of Financial Fraud](https://informediq.com/the-looming-threat-of-deepfakes-a-new-era-of-financial-fraud/): Protect your business from AI-driven fraud. Learn how deepfakes are reshaping financial crime and how Informed’s AI tools can detect and prevent document fraud.
- [Accelerating Loan Funding with AI: The Future of Auto Finance](https://informediq.com/accelerating-loan-funding-with-ai-the-future-of-auto-finance/): Accelerate auto loan funding with AI-powered verification. Reduce errors, cut costs by 50%, and improve customer satisfaction with InformedIQ’s automation.
- [AI task force report: Implications for auto finance and AI fintechs](https://www.autofinancenews.net/allposts/technology/ai-task-force-report-implications-for-auto-finance-and-ai-fintechs/): Bipartisan House Task Force on Artificial Intelligence outlined 66 key findings
- [AI Regulation and Auto Finance: Key Takeaways from the AI Task Force Report](https://informediq.com/ai-regulation-and-auto-finance-key-takeaways-from-the-ai-task-force-report/): Discover key AI policy insights from the House Task Force report and what they mean for auto finance, fintechs, and the future of AI-driven lending.
- [How Auto Industry Players Are Fighting Back Against Digital Fraud](https://informediq.com/how-auto-industry-players-are-fighting-back-against-digital-fraud/): Auto dealerships nationwide are increasingly vulnerable to a new wave of digital payment fraud and the industry is taking a stand with measures to confront and prevent digital fraud.
- [Boost Efficiency & Customer Satisfaction in Auto Finance with Document Intelligence](https://informediq.com/boost-efficiency-customer-satisfaction-in-auto-finance-with-document-intelligence/): Subscribe to Blog Is your finance team overwhelmed by stacks of paperwork and time-consuming data entry? Do lengthy financing approvals and frustrated customers sound familiar? Are outdated systems holding you back from delivering excellent service? Many professionals in auto finance would likely say “yes” if they’re still relying on traditional, “good enough” processes. That’s why
- [Leveraging a ‘Look Back’ Strategy for 2025](https://www.wardsauto.com/finance-insurance/industry-voices-leveraging-a-look-back-strategy-for-2025): Look Backs, in the context of document intelligence, involve the systematic extraction of data from legacy loan and ancillary documents in a structured manner.
- [Unlocking the Promise of AI in Financial Services: Insights from the U.S. Treasury Report and Informed.IQ’s Role in the Revolution](https://informediq.com/unlocking-the-promise-of-ai-in-financial-services-insights-from-the-u-s-treasury-report-and-informed-iqs-role-in-the-revolution/): Subscribe to Blog On December 19, 2024, the U.S. Department of the Treasury released a comprehensive report addressing the uses, opportunities, and risks associated with Artificial Intelligence (AI) in financial services. This report builds upon the Treasury’s earlier works, including its March 2024 focus on AI-related cybersecurity risks, and reflects feedback from over 100 stakeholders
- [AI Compliance Best Practices: A roadmap for using AI compliance solutions](https://informediq.com/ai-compliance-best-practices-a-roadmap-for-using-ai-compliance-solutions/): Compliance leaders are seeing an explosion of artificial intelligence (AI) tools designed to support regulatory compliance. Here is how to find the best solution for your in-house team.
- [Are You Maximizing the Right “Look Back” Strategy to Set the Course for 2025?](https://nonprimetimes.com/are-you-maximizing-the-right-look-back-strategy-to-set-the-course-for-2025/): Subprime lenders have an opportunity to revisit and rejuvenate their business and data strategies. For many, one of the most pressing concerns has been the utilization of legacy loan data.
- [Key Trends Shaping Auto, Leasing, and Refinance in 2025](https://informediq.com/key-trends-shaping-auto-leasing-and-refinance-in-2025/): Three dominant themes stand out for the auto lendingindustry that will define how we adapt and excel in 2025: Income Fraud and Misrepresentation, Artificial Intelligence (AI), and Vehicle Leasing.
- [What Dealers and Lenders Need to Know to Create the Right Chatbot Strategy](https://www.autonews.com/daily-drive-podcast/daily-drive-podcast-september-20-2024/): Jessica Gonzalez, Director of Lending Strategies at Informed.IQ, talks about why finance and insurance chatbots sometimes fail.
- [Expert breaks down Uber driver lending disparity](https://informediq.com/wp-content/uploads/2025/01/Expert-breaks-down-Uber-driver-lending-disparity.pdf): Jessica Gonzalez set out to discover if loaning to drivers for ride-hailing firms such as Uber and Lyft is a higher risk for automotive lenders than other applicants.
- [From rates to refunds: Tips to accommodate an auto loan refinancing bump in 2025](https://informediq.com/wp-content/uploads/2025/01/From-rates-to-refunds-Tips-to-accommodate-an-auto-loan-refinancing-bump-in-2025.pdf): As we approach 2025, the auto lending landscape is poised for a significant shift, driven by the Federal Reserve’s interest rate reductions in the latter half of 2024.
- [From Rates to Refunds, Tips To Accommodate an Auto Loan Refinancing Bump in 2025 | 2024 Digital Dealer Year in Review](https://digitaldealer.com/sales-variable-ops/from-rates-to-refunds-tips-to-accommodate-an-auto-loan-refinancing-bump-in-2025-2024-digital-dealer-year-in-review/): As we approach 2025, the auto lending landscape is poised for a significant shift, driven by the Federal Reserve’s interest rate reductions in the latter half of 2024
- [InformedIQ’s 2024 Year in Review: Innovation, Growth, and Gratitude](https://informediq.com/informediqs-2024-year-in-review-innovation-growth-and-gratitude/): We are reflecting on an incredible year for InformedIQ, one of transformative growth, impactful innovation, and strengthened partnerships with our clients.
- [It’s Time to Look Back: How AI Document Intelligence Transforms Legacy Loan Data for Lenders](https://informediq.com/its-time-to-look-back-how-ai-document-intelligence-transforms-legacy-loan-data-for-lenders/): Document intelligence "Look Backs" involve extracting data from legacy loan and ancillary documents in a structured way so the data is usable for a lender.
- [Auto Loan Refinancing in 2025: How Lenders Can Leverage AI and Handle GAP Refunds Effectively](https://informediq.com/auto-loan-refinancing-in-2025-how-lenders-can-leverage-ai-and-handle-gap-refunds-effectively/): The auto lending industry stands on the brink of transformation spurred by the Federal Reserve's interest rate cuts in the latter half of 2024 and expected to trigger a wave of auto loan refinancing, bringing both new opportunities and unique challenges for lenders.
- [How Digital Retail, AI, and Compliance Are Reshaping the Used-Vehicle Market](https://informediq.com/how-digital-retail-ai-and-compliance-are-reshaping-the-used-vehicle-market/): Subscribe to Blog The used-vehicle market is experiencing a fundamental shift as digital retail and fintech solutions redefine the car-buying journey. With more consumers turning to online platforms, dealerships and lenders are integrating technology to meet evolving expectations for speed, convenience, and personalization. These innovations are transforming key aspects of the industry, from optimizing inventory
- [Working Together: How Auto Industry Players Are Fighting Back Against Digital Fraud](https://medium.com/@jrichard990/working-together-how-auto-industry-players-are-fighting-back-against-digital-fraud-7b3f3994a977): A new wave of digital payment fraud has hit the auto industry hard. But this time, industry veterans are taking a different approach to fighting back.
- [AI Compliance: A Report From the Field](https://informediq.com/ai-compliance-a-report-from-the-field/): Subscribe to Blog As a former financial regulator, I know my ex-colleagues worry that businesses will skimp on compliance unless they are prodded into submission. That is not my experience when it comes to AI governance. As the head of Informed.IQ’s legal and compliance functions, I see aggressive lender oversight of vendors' AI solutions. We handle dozens
- [AI in Auto Finance: Automation, Compliance, and Growth](https://informediq.com/ai-in-auto-finance-automation-compliance-and-growth/): AI transforms auto finance by automating processes, enhancing compliance, reducing risk, and driving efficiency, empowering teams to focus on strategic, high-value tasks
- [Why your automotive chatbot might be failing](https://informediq.com/wp-content/uploads/2024/11/AutoRemarketing-November.pdf): To leverage the potential of AI chatbots, auto lenders must carefully implement the right technology, ensuring compliance with security, privacy, and associated consumer risks.
- [Auto Finance Summit  2024 Recap](https://informediq.com/auto-finance-summit-2024-recap/): subscribe to blog Another successful year at Auto Finance Summit (AFS) 2024, in Las Vegas! Some key themes Informed noticed this year include: Artificial Intelligence Adoption Given the recent buzz around artificial intelligence and tools like ChatGPT, Claude, etc, many conference attendees wanted to understand how AI-based tools could help streamline their business. Lenders showed
- [Why Your Automotive Chatbot Might Be Failing](https://www.autosuccessonline.com/why-automotive-chatbots-might-fail/): Automotive lenders find that integrating chatbots into their operations offers many benefits, from 24/7 customer service to cost savings and improved customer experiences
- [PODCAST: Mining CFPB complaint database for useful information](https://www.autoremarketing.com/autofinjournal/podcast-mining-cfpb-complaint-database-for-useful-information/): Tom Oscherwitz highlights what he found during a recent search of the CFPB’s complaint database, describing his findings like “free industry consulting.”
- [Based on CFPB Documented Consumer Complaints, are Junk Fees Really in the Spotlight?](https://nonprimetimes.com/based-on-cfpb-documented-consumer-complaints-are-junk-fees-really-in-the-spotlight/)
- [Tracking the Auto Industry's Response to AB 2311: New Data on GAP Waiver Violations](https://informediq.com/tracking-the-auto-industrys-response-to-ab-2311-new-data-on-gap-waiver-violations/): Updates to Informed.IQ’s 2023 analysis of auto industry compliance with AB 2311, the California law that imposes limits on the sale of GAP waivers.
- [What disgruntled consumers are telling the CFPB about auto lenders](https://informediq.com/what-disgruntled-consumers-are-telling-the-cfpb-about-auto-lenders/): Auto lenders should keep their eye on the complaints consumers lodge with the Consumer Financial Protection Bureau (CFPB) for key insights.
- [How the 2024 Presidential Election Could Reshape the CFPB](https://informediq.com/how-the-2024-presidential-election-could-reshape-the-cfpb/): How would a change of Presidency affect the fate of existing CFPB policies and planned agenda? Let's look at policies and agency actions up for grabs this fall
- [Regulatory Trends in AI](https://informediq.com/regulatory-trends-in-ai/): When it comes to regulatory trends with complex data issues states often take the lead. We see this pattern with AI legislation, too.
- [New Data Reveals First Look at Insights into Voluntary Protection Products by Consumer Categories and Employment Type](https://informediq.com/new-data-reveals-first-look-at-insights-into-voluntary-protection-products-by-consumer-categories-and-employment-type/): Subscribe to blog [This is the 3rd and final installment of a multi-part series on voluntary protection products. You can see previous posts Blog 1, Blog 2 here] Introduction If auto lenders weren’t concerned about fair lending risk in their portfolio before now, President Biden’s recent Executive Order on the AI and other Federal Agency announcements
- [The Case for Vertical AI Models](https://informediq.com/the-case-for-vertical-ai-models-blog/): Subscribe to blog AI researchers from Google, Berkeley, and other universities recently engineered what they described as a “silly attack” on Chat-GPT. They asked the model to repeat the word “poem” forever, which caused the model to emit large quantities of its training data, including names, email, physical addresses, phone numbers and other personal information
- [Voluntary Protection Products: Do males and females get the same deal?](https://informediq.com/do-male-and-female-car-buyers-get-the-same-deal-on-voluntary-protection-products/): Informed conducted research to see if women and men are paying the same prices for Voluntary Protection Products like maintenance plans and anti-theft devices.
- [Voluntary Product Pricing Trends](https://informediq.com/voluntary-product-pricing-trends/): Subscribe to our Blog This is the first in a series of Informed blogs about motor vehicle/voluntary protection products (VPPs). When consumers go to a car dealership, they often buy supplemental services and protections for their cars commonly called voluntary protection products (VPPs). Cars are expensive and these services appeal to consumers wishing to protect
- [Informed's Compliance Solutions keep you Informed](https://informediq.com/getting-informed-about-informeds-compliance-solutions/): AI-generated image from Midjourney representing Informed’s compliance Subscribe to blog We help many of the nation’s largest lenders automate the review and processing of loan applications. And a big part of what we do is assure Informed’s compliance solutions are up to date with federal and state regulations. Informed’s compliance verifications use advanced machine-learning techniques
- [Lenders Beware: Generative AI is already Impacting Auto Lending Compliance](https://informediq.com/lenders-beware-generative-ai-is-already-impacting-auto-lending-compliance/): Subscribe to blog Auto lenders, like leaders in other business sectors, are grappling with the current wave of excitement over generative AI. Many of us have already seen a coworker or vendor pitch a generative AI use case. The safe bet is that this technology will bring big changes to auto lending. Compliance Risks From
- [How to Track Compliance with State Doc Fee Caps](https://informediq.com/how-to-track-compliance-with-state-doc-fee-caps/): Subscribe to blog If you ever bought a car, have you ever wondered what the line item doc fees mean? Or how auto dealers determine how much to charge you for them? What are doc fees? Documentary fees are the fees that dealers charge consumers for the costs of closing a vehicle sale. They include
- [GAP Restrictions Revisited](https://informediq.com/gap-restrictions-revisited/): Subscribe to blog In the last edition of Compliance Monthly, we shared original Informed research describing how auto lenders and dealers have responded to the new California guaranteed asset protection (GAP) waiver law, AB 2311. Automotive News included details from that blog and this one in their article covering that law. This edition extends our
- [Tracking the Auto Industry’s Response to AB 2311 GAP Waiver Requirements](https://informediq.com/tracking-the-auto-industrys-response-to-ab-2311-gap-waiver-requirements/): Subscribe to blog Industry’s response to California’s new GAP waiver law, AB 2311, offers a textbook case in how to address complex regulations on a rushed timeline - and how Informed.IQ can help. Assembly Bill 2311 For those not familiar, AB 2311 imposes even more restrictions on the sale of Guaranteed Asset Protection (GAP) waivers
- [Correcting Loan Defects with CollectIQ](https://informediq.com/correcting-loan-defects-with-collectiq/): subscribe to blog Auto Lenders dream of the perfect deal jacket - clear proof of consumer income (paystub, bank statements), residence and insurance. And, all the right forms and notices, and required dealer documents. Unfortunately, in reality loan documentation is not so pristine. Thirty-seven percent of deal jackets have missing documents or other critical defects.
- [<strong>Compliance Monthly Launches on the Informed Blog</strong>](https://informediq.com/compliance-monthly-launches-on-the-informed-blog/): subscribe to blog As someone who has overseen multiple industries as a financial regulator, I have a lot of respect for the professionals who work daily to monitor and implement compliance at indirect auto lenders. Compliance obligations for auto lenders come from all sides. Multiple federal laws touch on auto lending activities including the Truth
- [What’s In Your Deal Jacket?](https://informediq.com/whats-in-your-deal-jacket/): The CFPB is increasingly holding auto lenders accountable for mishandling contractual provisions in their loans especially if it involves so-called “junk fees.”
- [Navigating the Auto Finance Industry in 2025](https://informediq.com/navigating-the-auto-finance-industry-in-2025/): In an insightful interview at Auto Finance Summit, Shannon Mohkiber, Head of Ford Credit North America, dives into the challenges and opportunities facing the industry as we look to 2025.
- [How GAP Refunds Impact Auto Loan Refinancing](https://informediq.com/how-gap-refunds-impact-auto-loan-refinancing/): Explore the various ways GAP (Guaranteed Asset Protection) refunds can enhance your refinancing experience and practical tips for managing this effectively.
- [AI in Auto Refinance](https://informediq.com/ai-in-auto-refinance/): As auto refinancing continues to increase, the use of Artificial Intelligence (AI) and Machine Learning is transforming the way lenders verify income and process refinancing applications.
- [Ensuring Compliance and Accurate Refunds for Auto Aftermarket Products: Solutions for Lenders](https://informediq.com/ensuring-compliance-and-accurate-refunds-for-auto-aftermarket-products-solutions-for-lenders/): Aftermarket Products are optional add-on products that dealers sell car buyers at time of purchase. Auto lenders must ensure compliance, accurate refunds for aftermarket products.
- [Revolutionizing auto finance with AI-driven dealer portals](https://informediq.com/revolutionizing-auto-finance-with-ai-driven-dealer-portals/): Priorities are shifting away from the historical customer journey and dealer experience to a more tactical approach to reduce fraud and costs.
- [Watch For 'Junk' Fees In Auto Loans](https://www.cutoday.info/THE-feature/Watch-For-Junk-Fees-In-Auto-Loans): Credit unions need to be carefully reviewing the auto loan contracts they receive from dealers, as the CFPB will hold the lender responsible for any junk fees.
- [Evolution of the specialized AI chatbot](https://informediq.com/evolution-of-the-specialized-ai-chatbot/): Subscribe to blog The changing AI landscape Google rebranded its AI chatbot Bard to Gemini, reflecting its advanced large language model capabilities. This is part of a broader strategy highlighting the sophisticated technology underlying the chatbot and its evolution from a mere model to a driver of multiple products within Google’s ecosystem. The shift toward rebranding
- [Modernizing Document and Income Verification in Auto Leasing with AI](https://www.autosuccessonline.com/modernizing-document-income-verification/): Leasing allows customers to drive newer models with lower monthly payments and minimal maintenance concerns. A critical requirement is possessing good credit.
- [Complete Guide to Fintech Fraud Prevention and Detection](https://informediq.com/complete-guide-to-fintech-fraud-prevention-and-detection/): In the changing world of fintech, fraud prevention and detection have become essential. A recent panel featuring industry experts shed light on the issue.
- [Demystify Fraud](https://informediq.com/demystify-fraud/): The definition of fraud in consumer lending is contentious because lenders define it slightly differently. Here are a few definitions I have heard...
- [Demystify Fraud, Part 2](https://informediq.com/demystify-fraud-part-2/): Fraud can often be a result of application data misrepresentation and document misrepresentation during the loan origination process.
- [Document intelligence for auto finance, dealerships, better CX](https://www.autofinancenews.net/allposts/technology/document-intelligence-for-auto-finance-dealerships-better-cx/): Automation projects, particularly those leveraging document intelligence, are gaining traction across the auto finance industry.
- [Let's Take A Bite Out of Compliance Partisanship](https://informediq.com/lets-take-a-bite-out-of-compliance-partisanship/): Maintaining a balanced perspective on compliance is really difficult. Work environments tend to exacerbate our cognitive biases. Be mindful of your compliance partisanship.
- [Transforming Data into Actionable Intelligence: Unlocking the Power of Technology](https://informediq.com/transforming-data-into-actionable-intelligence-unlocking-the-power-of-technology/): AI-driven technologies and data consortiums make data understandable, useful, and empower organizations to derive actionable insights.
- [The Best Place to Start for Subprime Lenders Moving from Paper-Based Document Processes To Digital](https://www.autosuccessonline.com/paper-to-digital-document-processing/): The subprime auto lending industry is undergoing a noticeable digitization evolution driven by advancements in technology and the increasing demand for efficiency and accuracy.
- [Top 25 Artificial Intelligence Companies of 2024](https://www.thesoftwarereport.com/top-25-artificial-intelligence-companies-of-2024/)
- [The Role of Digital Document Collection in Fraud Prevention](https://bankautomationnews.com/author/informed-iq/)
- [BankThink: Sharing information is the best defense against AI-enabled fraud](https://www.americanbanker.com/opinion/sharing-information-is-the-best-defense-against-ai-enabled-fraud)
- [How can lenders ensure SLA accuracy, automation, and compliance in today’s digital era?](https://informediq.com/wp-content/uploads/2024/07/Auto-ReMarketing-How-can-lenders-ensure-SLA-accuracy-automation-and-compliance-in-todays-digital-era.pdf)
- [What to Expect from the CFPB this Election year](https://informediq.com/what-to-expect-from-the-cfpb-this-year/): A recent episode of the stAI informed podcast, “What to Expect from the CFPB this year,” was so good, we are sharing excerpts from it in this blog.
- [How Lenders Can Maintain Compliance in 2023](https://informediq.com/how-lenders-can-maintain-compliance-for-the-auditors-the-fed-and-cfpb-in-2023/): The governance, risk management, and compliance capabilities lenders have in place today face new challenges from turbulence in the economy and the industry.
- [The Importance of Income Verifications Across Industries: Safeguarding Against Fraud](https://informediq.com/the-importance-of-income-verifications-across-industries-safeguarding-against-fraud/): In today's interconnected world, where financial transactions and government assistance programs are integral parts of everyday life, income verifications are crucial to ensure the accuracy of income verification.
- [CDK Ransomware Attack: A Comprehensive Overview](https://informediq.com/cdk-ransomware-attack-a-comprehensive-overview/): Recently, CDK faced a severe ransomware attack characterized by double extortion tactics. They advise customers to resort to manual processes in the meantime
- [AI is transforming auto finance](https://www.autofinancenews.net/allposts/technology/ai-is-transforming-auto-finance/)
- [The Best Place to Start for Subprime Lenders Moving from Paper-based Document Processes to Digital](https://nonprimetimes.com/the-best-place-to-start-for-subprime-lenders-moving-from-paper-based-document-processes-to-digital/)
- [Architecting AI for Documents: A Deep Dive into LayoutLM](https://informediq.com/architecting-ai-for-documents-a-deep-dive-into-layoutlm/): Informed’s document intelligence and lending solutions help lenders board more loans faster with less risk and fraud. Our engineers work hard building this robust and unbiased AI solution.
- [Non-Prime Auto Finance Conference Recap](https://informediq.com/non-prime-auto-finance-conference-recap/): Subscribe to Blog The Non-Prime Auto Finance Conference (NAF) is an event focused on the subprime and nonprime segments of the auto finance industry. These segments typically include borrowers who do not qualify for prime credit terms due to lower credit scores or limited credit histories. The conference serves as a platform for industry professionals
- [Giving Auto Lenders Tools and Support](https://informediq.com/giving-auto-lenders-the-tools-and-support-they-need/): Digital portals with advanced features correlate to improved JD Power and Customer Satisfaction Scores and are a factor in choosing an auto lender.
- [Auto Finance Summit East 2024 Show Recap](https://informediq.com/auto-finance-summit-east-2024-show-recap/): We're back from the 2024 Auto Finance Summit East (AFS) Conference in Nashville where we met up with lots of friends and customers, and a few new faces.
- [Informed named a Top 25 AI Company of 2024 by Software Report](https://informediq.com/top-25-ai-companies-of-2024/): We are thrilled to share that Informed was ranked the number 15 AI Company on The Software Report’s 2024 list! The recognized companies span from early...
- [New Survey Shows Where Automation And AI Increase Lender’s Operational Efficiency](https://informediq.com/new-survey-shows-where-automation-and-ai-increase-lenders-operational-efficiency/): Informed’s 2024 Auto Loan Survey Defect Report is out and shows that deal jacket errors are costing lenders millions and that many C-Suite Executives are still trying to understand the benefits of AI and automation.
- [Smart Loans: How artificial intelligence is reshaping income verifications](https://informediq.com/wp-content/uploads/2024/04/AutoRemarketing-Smart-Loans-How-artificial-intelligence-is-reshaping-applicant-verifications.pdf)
- [AI trends: Rise of specialized chatbots](https://www.autofinancenews.net/allposts/technology/ai-trends-rise-of-specialized-chatbots/)
- [Future of auto finance tech: 2023’s revolutionary trends](https://www.autofinancenews.net/allposts/technology/future-of-auto-finance-tech-2023s-revolutionary-trends/)
- [Revolutionizing auto finance: The impact of AI and digital transformation on dealer portals ](https://www.autofinancenews.net/allposts/technology/revolutionizing-auto-finance-the-impact-of-ai-and-digital-transformation-on-dealer-portals/)
- [Evolving state legislation, regulatory trends impact credit union leasing programs](https://www.autofinancenews.net/allposts/technology/evolving-state-legislation-regulatory-trends-impact-credit-union-leasing-programs/)
- [How is Evolving State Legislation and Regulatory Trends Impacting Credit Unions’ Leasing Programs](https://informediq.com/how-is-evolving-state-legislation-and-regulatory-trends-impacting-credit-unions-leasing-programs/): In today's high interest rate environment, consumers are turning to leasing as a better, more cost effective option. This trend has significant implications.
- [Key Trends in Enterprise Auto Finance Tech](https://informediq.com/navigating-the-enterprise-auto-finance-tech-landscape-key-trends-of-2023-and-beyond/): 2023 has been a whirlwind in the enterprise tech world, specifically in the auto finance sector, marked by significant shifts and unexpected developments.
- [Justin Wickett, CEO of InformedIQ Explains How AI and Machine Learning Are Transforming the Way Auto Lenders Use OCR Tech](https://www.crowdfundinsider.com/2024/02/217410-justin-wickett-ceo-of-informediq-explains-how-ai-and-machine-learning-are-transforming-the-way-auto-lenders-use-ocr-tech/)
- [How Can Lenders Ensure SLA Accuracy, Automation and Compliance in Today’s Digital Era?](https://nonprimetimes.com/how-can-lenders-ensure-sla-accuracy-automation-and-compliance-in-todays-digital-era/): Tom Oscherwitz General Counsel Tom Oscherwitz is Informed’s General Counsel. He has over 25 years of experience as a senior government regulator (CFPB, U.S. Senate) and as a fintech legal executive working at the intersection of consumer data, analytics, and regulatory policy. See Full Bio Financial Institutions
- [Introducing Performance and Accuracy SLAs](https://informediq.com/introducing-performance-and-accuracy-slas/): Document intelligence solutions need performance & accuracy service level agreements (SLAs). Don't leave buyers of AI document intelligence unprotected.
- [Auto Intel & National Remarketing Spring Summit 2024](https://informediq.com/auto-intel-national-remarketing-spring-summit-2024/): The Auto Intel & National Remarketing Spring Summit 2024 focused on pivotal topics shaping the future of the automotive sector.
- [Stay Informed with the stAI informed Podcast](https://informediq.com/stay-informed-with-the-stai-informed-podcast/): Subscribe to Blog Never ones to miss a trend, we dipped our toes into the world of podcasting late in 2023 with the launch of the stAI informed podcast. So far, we’ve amassed a library of around twelve episodes. New episodes drop every other Tuesday and cover a wide range of topics. Anchored by two
- [Treasury calls on Banks to collaborate more to fight fraud](https://informediq.com/treasury-calls-on-banks-to-collaborate-more-to-fight-fraud/): Lenders must share data to fight new AI fraud risks. Last month, the Department of the Treasury issued a troubling report warning banks they are at-risk to emerging AI fraud threats.
- [Argyle & Informed Join Forces to Transform Modern Lending](https://informediq.com/argyle-joins-forces-with-informed-to-transform-modern-lending/): subscribe to blog Argyle’s streaming income data and Informed’s real-time verifications are expanding lenders’ coverage and optimizing the decisioning process Since Informed's founding in 2016, we've helped lenders increase capture rates, lower the cost of credit, and promote financial inclusivity; especially for critical services like auto loans. Our platform uses AI and machine learning to
- [Audience Q&A: Automation to Detect and Stop Fraud](https://informediq.com/part-4-automation-to-detect-stop-fraudulent-transactions/): subscribe to blog Welcome to the final installment of the Bank Automation Summit Fraud Panel recap - the Audience Q&A. The conversation went on so long, there wasn’t much time left for questions. Some were answered in the room, the rest via email follow-up. We’re sharing them all in this post. As a refresher, the
- [Part 3: Automation to Detect and Stop Fraudulent Transactions](https://informediq.com/part-3-automation-to-detect-and-stop-fraudulent-transactions/): subscribe to blog Welcome to the third installment of the BAS Fraud Panel. The Panel included Informed’s Director of Auto Lending Strategy, Jessica Gonzalez; Kevin Faragher, Senior Director of Product and Strategy at Ally Financial; and Michael Reynolds, Business Technology Senior Manager for Service Digitization at KeyBank. The panel was moderated by Whitney McDonald, Deputy
- [Part 2: Automation to Detect and Stop Fraudulent Transactions](https://informediq.com/part-2-automation-to-detect-and-stop-fraudulent-transactions/): subscribe to blog Picking up where we left off last time, welcome to Part 2 of the recap of the BAS Fraud Panel with Informed’s Director of Auto Lending Strategy, Jessica Gonzalez, Kevin Faragher, Senior Director of Product and Strategy at Ally Financial and Michael Reynolds, Business Technology Senior Manager for Service Digitization at KeyBank,
- [Part 1: Automation to Detect and Stop Fraudulent Transactions](https://informediq.com/part-1-automation-to-detect-and-stop-fraudulent-transactions/): subscribe to blog At the recent Bank Automation Summit, Informed’s Director of Auto Lending Strategy, Jessica Gonzalez participated in a panel discussion. Also on the panel: Kevin Faragher, Senior Director of Product and Strategy at Ally Financial Michael Reynolds, Business Technology Senior Manager for Service Digitization at KeyBank,and Whitney McDonald, Deputy Editor Of Bank Automation
- [Justin Wickett on the Tearsheet Podcast](https://informediq.com/justin-wickett-on-the-tearsheet-podcast/): subscribe to blog Informed.IQ CEO Justin Wickett recently joined Zest AI CEO Mike de Vere on Tearsheet’s Where Credit’s Due Podcast to discuss, “How AI is changing lending,” with host Iulia Ciutina. You can read excerpts below or listen to the podcast here. When we talk about lending nowadays, it’s no longer just about big
- [Fraud is on the Rise](https://informediq.com/fraud-is-on-the-rise/): subscribe to blog A contributory database in which lenders share their knowledge helps the entire industry to reduce fraud. Recent fraud trends highlight the importance of lenders working together to proactively address fraud before we have all been swindled of our money. Utilizing a feedback loop and confirming fraud across multiple channels increases Informed’s accuracy
- [Justin Wickett on Fintech 1-1](https://informediq.com/justin-wickett-on-fintech-1-1/): subscribe to blog Recently Informed CEO, Justin Wickett, sat down for a chat with Peter Renton on the Fintech One on One Podcast to talk about how Informed’s AI technology helps lenders make accurate lending decisions by automating verifications in real-time with 99% accuracy. They also explored: How the automated verification process works. How the
- [Part 1: Making the Auto Lending Process Better One Deal at a Time](https://informediq.com/making-the-auto-lending-process-better-one-deal-at-a-time/): subscribe to blog Many Americans are overwhelmed by the car buying process, especially if financing. According to Experian’s “State of the Automotive Finance Market Q1 2022,” average loan amounts increased YoY from 4.61% last year to 11.74% bringing them up to an average of $4,155 in 2022. Still, it shouldn’t be complicated: A consumer walks
- [Origence Partners with Informed for Credit Union Auto Loans](https://informediq.com/origence-partners-with-informed-for-credit-union-auto-loans/): subscribe to blog We are pleased to share the news that Informed will power Origence’s Document Process Automation functionality for Indirect Auto Lending to automatically identify documents and validate financing policies, creating a better credit union, and dealer experience. Through accurate consumer income calculations and validation of applicant data, loan documents, and documented classification and stacking, loans
- [Unspoken Benefits of Hackathons](https://informediq.com/unspoken-benefits-of-hackathons/): subscribe to blog In a tight job market attracting, retaining, and enabling employees while keeping them engaged is a challenge. Hackathons are often thought of as FinTech or engineering focused. But there is real value in a hackathon for aligning the vision of an organization and bringing a more agile, solution-centric approach. Hackathons bring siloed groups together,
- [Where are the Women in Tech?](https://informediq.com/where-are-the-women-in-tech/): subscribe to blog In today’s information driven world, it is important that everyone to have at least some technology skills. For that reason, programming has become standard in many school curriculums. Many programs increase knowledge for teenagers in the field but popularity lags with girls. In the early days, women were well representation in the
- [Deploy EventCatalog to AWS CloudFront with Google SSO Access Control via Terraform](https://informediq.com/deploy-eventcatalog-to-aws-cloudfront-with-google-sso-access-control-via-terraform/): subscribe to blog This is Informed’s first “technical blog post” in what will become a recurring feature. These posts are written by the technical practitioners on our Engineering Team for the general technical audience of our engineering peers. The posts will cover a variety of topics that touch on the range of technologies and techniques
- [Become “Informed” in Just 46 Seconds](https://informediq.com/become-informed-in-just-46-seconds/): Subscribe to Blog If you’ve been wondering what all the buzz around Informed is about, now’s your chance to find out. This new explainer video covers the high points of how Informed’s ai platform enables consumer lenders to fund more loans faster while reducing risk, cost and fraud. According to a JD Power Survey, “receiving
- [How Informed.IQ uses domain knowledge to provide better RPA](https://informediq.com/how-informed-iq-uses-domain-knowledge-to-provide-better-rpa/): subscribe to blog Robotic Process Automation (RPA) helps auto lenders accelerate the lending process and significantly increase their revenue. One of the biggest challenges for RPA is the quality of the documents. Documents that reach the lender have been printed, scanned, and faxed multiple times, resulting in sub-par document quality that might not even be
- [OCR … OC WHAT? What is Optical Character Recognition?](https://informediq.com/ocr-oc-what-what-is-optical-character-recognition/): subscribe to blog Optical Character Recognition or OCR is a technology enabling computers to “read” text off of documents. It is usually priced per page and is often riddled with mistakes. The poor accuracy makes it of little practical value for organizations looking for a clear picture of the data in the documents. In order
- [How Lenders can Increase Compliance and Reduce Fraud](https://informediq.com/how-lenders-can-increase-compliance-and-reduce-fraud/): subscribe to blog The lending industry is confronted with regulatory and compliance issues and their potential impact on an enterprise. Organizations are seeking to reduce fraud and adapt to the current dynamic environment of fraudulent activity. Proactively addressing lending regulations with modern document processing infrastructure provides effective monitoring and review controls. These facilitate risk reducing
- [Lendit Fintech Session: The Use of AI in Full-Spectrum Lending](https://informediq.com/lendit-fintech-session-the-use-of-ai-in-full-spectrum-lending/): subscribe to blog The Informed Team is just back from a productive Fintech Nexus USA (formerly Lendit Fintech) where our CEO Justin Wickett was joined onstage by Mike Qin, Vice President, Business Analysis at Capital One for a conversation moderated by John Siracusa, Host and Producer of the “Bank On It” podcast. Here are some
- [Informed.IQ To Sponsor and Speak at Fintech Nexus USA](https://informediq.com/informed-iq-to-sponsor-and-speak-at-fintech-nexus-usa/): subscribe to blog Fintech Nexus USA (formerly Lendit Fintech) is the leading event for innovation in financial services and we will be there both exhibiting and speaking. Taking place on May 25-26 in New York City, the event brings together the most innovative and disruptive financial services companies for 2 days of world-class content and
- [What is Robotic Process Automation (RPA)?](https://informediq.com/what-is-robotic-process-automation-rpa/): subscribe to blog The term robotic process automation has been so overused that it’s become a buzzword! Have you wondered what it could do for you? Robotic Process Automation (RPA) can be defined as simplifying a repetitive manual process through automation. Here’s an example: if you pay someone $45,000 a year to look at an
- [Bank On It Podcast: Our CEO and Co-Founder, Justin Wickett, dives into the inspiration behind Informed.IQ and the value that we provide to lenders](https://informediq.com/bank-on-it-podcast-our-ceo-and-co-founder-justin-wickett-dives-into-the-inspiration-behind-informed-iq-and-the-value-that-we-provide-to-lenders/): Subscribe to blog Artificial intelligence or AI has quickly become one of the most popular buzzwords in all of fintech. Companies constantly highlight their use of AI, but there are only a few that are using AI in a practical way. Informed.IQ is one of those companies. Informed.IQ unlocks the information trapped in loan applications
- [Part 2: Making Auto Lending Better One Deal at a Time](https://informediq.com/part-2-making-the-auto-lending-process-better-one-deal-at-a-time/): subscribe to blog This is the second post in our series about improving the auto lending customer experience. The premise of the series is that financing a new car shouldn’t be and doesn’t have to be painful. If you need a refresher, episode one is here. “Income Verification” or “proof of income” is a common
- [<strong>How to Leverage an ROI-Business Case</strong>](https://informediq.com/how-to-leverage-an-roi-business-case/): subscribe to blog It’s budget season, and the Informed team is showing clients how incorporating investment in artificial intelligence into their operational model delivers value and a solid financial return. We have unlocked a proven strategy yielding results, turning your originations channel into a profit center. The following ROI use cases demonstrate the quantifiable value
- [A Recap of the 2022 Auto Finance Summit](https://informediq.com/a-recap-of-auto-finance-summit/): Subscribe to blog I’m still catching my breath after another amazing Auto Finance Summit (AFS) where Informed has been a proud sponsor for the past few years. The growth we have seen and the partnerships formed continue to gather speed. We were thrilled by multiple customer shout-outs from the stage, heavy booth traffic, and happy
- [Technology & transformation: Women driving change in finance](https://informediq.com/technology-transformation-women-driving-change-in-finance/): During Women's History Month, Informed and American Banker brought together four accomplished women driving change in finance for an Executive Roundtable.
- [Op Ed: The CFPB's data access requirements should apply to auto loans](https://www.americanbanker.com/opinion/the-cfpbs-data-access-requirements-should-apply-to-auto-loans): BankThink
- [Fairness and Transparency in Financial Services](https://informediq.com/fairness-and-transparency-in-financial-services/): Fairness is in the eye of the beholder. Transparency, less so. Here’s an example. The “standard” checking account overdraft fee in the US is $35. That might...
- [DAILY DRIVE PODCAST: Tesla scraps plans for entry-level EV; AI in F&I](https://www.autonews.com/daily-drive-podcast/daily-drive-podcast-april-5-2024)
- [Why you should streamline your tax processes with automation this season](https://informediq.com/why-you-should-streamline-your-tax-processes-with-automation-this-season/): It's tax season again and many lenders find themselves inundated with paperwork and forms each year. The looming deadline is set for April 18th this year...
- [Why Today’s Leading Auto Lenders are Leveraging AI-Driven Document Intelligence](https://nonprimetimes.com/why-todays-leading-auto-lenders-are-leveraging-ai-driven-document-intelligence/)
- [The importance of expanding personal financial data rights for consumers](https://informediq.com/wp-content/uploads/2024/03/InformedIQ_AutoRemarketing-The-importance-of-expanding-personal-financial-data-rights-for-consumers.pdf)
- [Performance and accuracy service level agreements](https://www.autofinancenews.net/allposts/technology/performance-and-accuracy-service-level-agreements/)
- [Wolters Kluwer & Informed.IQ collaborate to boost entire auto-finance lifecycle](https://www.autoremarketing.com/autofinjournal/wolters-kluwer-informed-iq-collaborate-to-boost-entire-auto-finance-lifecycle/)
- [PODCAST: Fruit of partnerships in auto finance](https://www.autoremarketing.com/autofinjournal/podcast-fruit-of-partnerships-in-auto-finance/)
- [CFPB Auto Loan Data Collection and What it Means for Auto Lenders](https://informediq.com/cfpb-auto-loan-data-collection-and-what-it-means-for-auto-lenders/): Subscribe to blog The Consumer Financial Protection Bureau (CFPB), in a move that could have seismic regulatory implications for auto lenders, recently announced a proposal to collect detailed, transactional information from thousands of loan providers. Quick background In early 2023, the CFPB issued a data request to nine auto lenders relying on its authority under
- [New Research Reveals Age and Gender Differences in Vehicle Add-On Purchases](https://nonprimetimes.com/new-research-reveals-age-and-gender-differences-in-vehicle-add-on-purchases/)
- [How to get more deals without increasing risk: The Power of a Dealer Portal with Integrated Digital Tools](https://informediq.com/how-to-get-more-deals-without-increasing-risk-the-power-of-a-digital-portal-with-integrated-digital-tools/): A dealer portal combining non document verification & document verification with digital collection tools provides benefits that boost JD Power and CSAT scores.
- [NADA 2024 Recap](https://informediq.com/nada-2024-recap/): NADA 2024 in Las Vegas, drew over 23,000 attendees. Auto dealers explored new technology and engaged with lenders and vendors.
- [Next-level accuracy: The impact of AI on OCR in auto loan underwriting](https://informediq.com/wp-content/uploads/2024/01/AutoRemarketing-Jan-2024-Jessica.pdf): OCR's poor accuracy makes for little practical value to lenders looking for a clear picture of data in documents. To get the true picture, you need people.
- [FinBe USA Partners with Informed.IQ To Streamline Originations Process Using AI and ML](https://aithority.com/machine-learning/finbe-usa-partners-with-informed-iq-to-streamline-originations-process-using-ai-and-ml/)
- [AFSA 2024 Recap](https://informediq.com/afsa-2024-recap/): The Informed team is just back from a great trip to the AFSA 2024 Vehicle Finance Conference and Expo in Las Vegas.
- [The case for vertical AI models in F&I](https://informediq.com/wp-content/uploads/2024/02/SubPrime-Auto-Finance-News-The-case-for-vertical-AI-models-in-FI.pdf)
- [The Importance of Expanding Personal Financial Data Rights for Consumers](https://nonprimetimes.com/the-importance-of-expanding-personal-financial-data-rights-for-consumers/)
- [Document Quality Decline Among Seniors and African Americans can lead to greater friction in the loan approval process](https://informediq.com/document-quality-decline-among-seniors-and-african-americans-can-lead-to-greater-friction-in-the-loan-approval-process/): Over the last 20 months, there’s been a noticeable decline in lending verification document quality - disproportionately affecting senior citizens and Africa...
- [The Case for Vertical AI Models](https://nonprimetimes.com/the-case-for-vertical-ai-models/)
- [EV Media Update: Conversations with Jessica Gonzalez](https://informediq.com/wp-content/uploads/2024/01/Oct-Dec-EV-Update-Media_Jessica-Gonzalez.pdf)
- [Loan document quality decline among seniors and African Americans can lead to friction](https://www.autofinancenews.net/author/jessica-gonzalez/)
- [Innovative Lending Technologies](https://informediq.com/wp-content/uploads/2024/01/InformedIQ-FI-Showroom-Innovative-Lending-Technologies.pdf)
- [The Impact of Rising Trade-In Allowances and Electric Vehicle Adoption on Auto Finance](https://informediq.com/the-impact-of-rising-trade-in-allowances-and-electric-vehicle-adoption-on-auto-finance/): AI-generated image from Midjourney representing professionals at a car dealership Subscribe to Blog Driven by environmental concerns and technological advancements, the automotive industry has witnessed a significant shift towards electric vehicles (EVs) in recent years. Vehicle trade-in allowances have also been rising, encouraging more people to trade in their older, gas-guzzling vehicles for eco-friendly EVs.
- [OCR is the past, AI is the future](https://informediq.com/ocr-is-the-past-ai-is-the-future/): Subscribe to blog OCR has a long way to go, especially in the auto industry where forms change constantly and new document types are added regularly. However, by combining state-of-the-art OCR technology, with applied intelligence “learned” from a purpose-built large language model (LLM) and subject matter experts, solutions like Informed intelligently “read” the document, turn
- [InformedIQ analyzes F&I product sales trends](https://www.autonews.com/finance-insurance/informediq-identifies-fi-add-trends)
- [Next-Level Accuracy: The Impact of AI on OCR in Auto Loan Underwriting](https://nonprimetimes.com/next-level-accuracy-the-impact-of-ai-on-ocr-in-auto-loan-underwriting/)
- [Verifying Bank Statements and Self-Employed Income in Realtime: A Game Changer for Dealer Portals](https://informediq.com/verifying-bank-statements-and-self-employed-income-in-realtime-a-game-changer-for-dealer-portals/): AI-generated image from Midjourney representing an auto dealer doing manual paperwork Subscribe to Blog Calculating income from bank statements and self-employed applicant’s income has traditionally been a time-consuming, manual process often leading to errors and delays in decision-making. Lenders are now adopting new technology allowing dealers to access instantaneous validation, ensuring accuracy and efficiency in
- [Adding AI on top of OCR creates better results for Auto Lenders](https://informediq.com/adding-ai-on-top-of-ocr-creates-better-results-for-auto-lenders/): AI-generated image from Midjourney representing AI + OCR in auto lending Subscribe to Blog Optical Character Recognition (OCR) is often considered a magic wand, transforming documents into usable data, with a single “wave”. This myth starts waning as the documents get more complex, while the business use cases still need data extraction at high accuracy
- [Generative AI is Reshaping Auto Finance](https://informediq.com/generative-ai-is-reshaping-auto-finance/): AI-generated image from Midjourney representing generative AI in autofinance Subscribe to Blog Staying ahead of the curve is essential to remaining competitive in auto finance. The industry has witnessed tremendous growth and been transformed with the advent of cutting-edge technologies. One groundbreaking innovation is Generative AI, driven by neural networks like the Transformer Model. We'll
- [Informed.IQ: How This Company Helps Financial Institutions Fund More Loans Faster](https://pulse2.com/informed-iq-jessica-gonzalez-profile/)
- [COMMENTARY: New Informed.IQ research reveals age & gender differences in vehicle add-on purchases](https://www.autoremarketing.com/subprime/commentary-new-informed-iq-research-reveals-age-gender-differences-in-vehicle-add-on-purchases/?utm_source=Listrak&#038;utm_medium=email&#038;utm_term=https://www.autoremarketing.com/subprime/commentary-new-informed-iq-research-reveals-age-gender-differences-in-vehicle-add-on-purchases/&#038;utm_campaign=Informed.IQ+Insight+About+Add-On+Products)
- [CUNA Lending Council Conference Recap](https://informediq.com/cuna-lending-council-conference-recap/): Subscribe to our blog I had the opportunity to attend the Consumer Lending Roundtable at the recent CUNA Lending Council Conference in Denver. There was a goldmine of insights and strategies. Here are some key takeaways: Consumer Lending Roundtable Centralizing Lending: Many credit unions are shifting towards centralized lending to minimize branch-level friction. A notable
- [The impact of rising trade-in allowances, EV adoption on auto finance](https://www.autofinancenews.net/allposts/auto-finance-excellence/technology/the-impact-of-rising-trade-in-allowances-ev-adoption-on-auto-finance/)
- [How AI generates more lending opportunities](https://www.fintechnexus.com/how-ai-generates-more-lending-opportunities/)
- [AFS Recap](https://informediq.com/afs-recap/): Subscribe to Blog AFS was a fantastic experience for the Informed team and from the general buzz it seemed that was the general consensus. It was well attended by many key auto finance executives. I have been to many AFS summits before, but this was my first time with Informed. I am excited and energized from
- [PODCAST: Episode 11: Magdalena Yesil, Entrepreneur, VC, and Board Member](https://www.whogotmehere.com/episodes/episode-11-magdalena-yesil)
- [Frights and Financial Regulations: Compliance Updates for Spooky Season](https://informediq.com/frights-and-financial-regulations-compliance-updates-for-spooky-season/): subscribe to blog In honor of Halloween, the scariest holiday of the year, Compliance Corner presents some spooky observations about financial regulations. Friendly Ghosts: Lenders considering using large language models like ChatGPT, LaMDA, or Llama, must contend with the very real challenge of hallucinations. An AI hallucination occurs when an AI model presents incorrect information
- [Get more deals without increasing risk](https://www.autofinancenews.net/allposts/innovation-technology/get-more-deals-without-increasing-risk/)
- [How Informed Customizes CircleCI Workflows for Efficient Monorepo Deployment](https://informediq.com/how-informed-customizes-circleci-workflows-for-efficient-monorepo-deployment/): Subscribe to blog This is the fourth post in our CI/CD series. We’ll discuss how CircleCI helps with deploying monorepo components in a microservice way. Additionally CircleCI's support for monorepo, better observability and debugging tools, and synchronous deployment of apps and infrastructure, make it a great tool for this purpose. CircleCI's Support for Monorepo CircleCI
- [Leveraging Clustering for Document Layout Analysis in Machine Learning Projects](https://informediq.com/leveraging-clustering-for-document-layout-analysis-in-machine-learning-projects/): Subscribe to blog Image by Matthew Henry Informed uses machine learning and AI to help lenders streamline their lending process, lower the cost of credit, and ensure that applications are fairly evaluated. And, we do this while making loans more accessible. The underpinning technology includes a wide array of AI models. In particular, deep learning
- [AI Revolutionizes Efficiency and Decision-Making in Auto Finance](https://informediq.com/the-impact-of-ai-in-auto-finance-revolutionizing-efficiency-and-decision-making/): Subscribe to blog Artificial Intelligence (AI) is a groundbreaking technology, revolutionizing the landscapes of automotive and consumer finance. Through its subset, Machine Learning (ML), AI uncovers valuable insights, automates processes, and reduces operational costs. The ongoing evolution of AI sees financial institutions harnessing the power of data from across the industry, and its impact will
- [How Generative AI is Impacting Auto Lending Compliance](https://nonprimetimes.com/how-generative-ai-is-impacting-auto-lending-compliance/)
- [Document quality declines in loan applications; senior citizens partially responsible](https://www.autonews.com/finance-insurance/senior-citizens-drive-document-quality-decline-car-loan-apps)
- [Using AI to Assess and Understand Your Loan Portfolio Ahead of Student Loan Repayments](https://cusomag.com/2023/09/13/using-ai-to-assess-and-understand-your-loan-portfolio-ahead-of-student-loan-repayments/)
- [How API integration solves lenders’ technology challenges](https://informediq.com/how-api-integration-solves-lenders-technology-challenges/): Subscribe to blog What's the issue? The volume of document-centric processes rises and falls throughout the year as the workload modulates from season to season. Lenders have high volumes of documents to process towards the end of the month, quarter, year and during tax season. But, certain months have low volumes making it almost impossible
- [Verify bank statements and self-employed income in real time ](https://www.autofinancenews.net/allposts/auto-finance-excellence/technology/verify-bank-statements-and-self-employed-income-in-real-time/)
- [Tracking compliance with state doc fee caps using AI](https://www.autofinancenews.net/allposts/auto-finance-excellence/technology/tracking-compliance-with-state-doc-fee-caps-using-ai/)
- [Impact of AI in auto finance: Revolutionizing efficiency and decision making](https://www.autofinancenews.net/allposts/innovation-technology/impact-of-ai-in-auto-finance-revolutionizing-efficiency-and-decision-making/)
- [Streamlining Application Deployment: A Monorepo Approach](https://informediq.com/streamlining-application-deployment-a-monorepo-approach/): Subscribe to blog This blog describes the challenges of deploying monorepo applications tightly coupled with infrastructure. They include versioning and dependency issues, which cause unpredictable application stability and consistency issues. We’ll also look at how SemVer versioning standard and tagging streamline the software release process. Challenges of Deploying Monorepo Applications with Tightly Coupled Infrastructure Deploying
- [Increasingly, Jobs Being Handed Off to AI](https://www.cutoday.info/site/THE-feature/Increasingly-Jobs-Being-Handed-Off-to-AI?utm_campaign=1079375912 | Posts Supporting Interviews & articles | Origence&#038;utm_content=265449587&#038;utm_medium=social&#038;utm_source=linkedin&#038;hss_channel=lcp-19093891)
- [Could you be polluting your own Dataset?](https://informediq.com/could-you-be-polluting-your-own-dataset/): subscribe to blog We have been in situations during Model Training, when the Validation Accuracy will not increase beyond a certain point or will increase frustratingly slowly. In some cases the Validation Curve will fluctuate up and down. I am not talking about the small noise but the crazy fluctuations greater than +/- 5%. When
- [Women in Auto Finance Interview with InformedIQ's Jessica Gonzalez](https://informediq.com/wp-content/uploads/2023/09/Auto-Remarketing_Sept2023_Interview-InformedIQ-Jessica-Gonzalez.pdf)
- [Skip the Stip: Lending Without Stipulations](https://www.autosuccessonline.com/lending-without-stipulations/)
- [The Whirlwind of the 2022 Fall Conference Season](https://informediq.com/the-whirlwind-of-the-2022-fall-conference-season/): Subscribe to blog The Informed team spread out to cover a number of recent conferences and tradeshows - to see and be seen! The trips were informative, productive, and in some cases, fun. Topics ranged across regulatory compliance, risk and governance, auto finance, fintech, powersports financing and general finance. Below, some of the team recaps
- [How to Reduce Bias in Consumer Lending](https://informediq.com/how-to-reduce-bias-in-consumer-lending/): subscribe to blog To err is human. "But," it is said, "to really mess up takes a computer!" Perhaps that quip is the origin behind the suspicion that Artificial Intelligence (AI) algorithms could add to unfairness in consumer lending. Properly used, however, AI can actually reduce bias. Bias in consumer lending occurs when a lender
- [Thoughts from F&I Sentinel CEO Stephen McDaniel](https://informediq.com/a-conversation-with-fi-sentinels-ceo-stephen-mcdaniel/): subscribe to blog This fall, we announced our partnership with F&I Sentinel. Together, we will evolve digital lending by providing a comprehensive service focused on verification and compliance. Informed’s AI-based software verifies, streamlines, and optimizes loan processing. F&I Sentinel’s CITADEL® provides a turnkey compliance solution for the financing and resolution of F&I products. CITADEL addresses
- [4 Compliance Issues We’re Hearing from Auto Lenders](https://informediq.com/4-compliance-issues-were-hearing-from-auto-lenders/): subscribe to blog In this ever-shifting environment, lenders face many challenges: decelerating global growth, high inflation, structural economic change, tighter central bank policies, and high cybersecurity risks. For some, these risks are causing decelerating loan growth and declining earnings. The continued success of regulators targeting operations will continue if organizations focus solely on manual solutions
- [Demystifying Auto Ancillary Product Contracts](https://informediq.com/demystifying-auto-ancillary-product-contracts/): subscribe to blog At Informed, we know auto lending. Six of the top ten US auto lenders use our service in their lending process and we’ve learned quite a bit from that experience. On the technology front, we have multiple patents and received two provisional patents in 2022. With AI and Machine Learning, we perform
- [How the High Cost of Compliance affects Consumers](https://informediq.com/how-the-high-cost-of-compliance-affects-consumers/): subscribe to blog Here’s an eye-opener for you - 38% of car buyers earning overtime will under-report their incomes by 5% or more. Over half of the car buyers who auto lenders ask to verify their income earn overtime pay (based on Informed analyzing a sample of 125,000 paystubs submitted in the last 30 days).
- [Python src Layout for AWS Lambdas](https://informediq.com/python-src-layout-for-aws-lambdas/): Learn from Informed's engineers why and how to apply the recommended Python src layout approach to your AWS Lambda functions built with Poetry.
- [Dallas Auto Week Recap](https://informediq.com/dallas-auto-week-recap/): subscribe to blog The Informed Team is just back from an event we dubbed “Dallas Auto Week.” The AFSA Vehicle Finance Conference and the 2023 NADA Show ran back to back, making it easy for the team to hit both events. We were excited by the energy at the events and energized for the year
- [Lenders Evolve to Thrive in Uncertain Times](https://informediq.com/lenders-evolve-to-thrive-in-uncertain-times/): subscribe to blog In 2023, lenders are anticipating fraud losses and litigation expenses. Q4 2022 earnings calls had a constant theme -- risks and controls, and digital transformation are priorities for many of the top lenders. Originations seem to be trending down and charge offs are increasing, as lenders found their credit policies riskier than
- [Compliance & Regulatory Issues Affecting Consumer Lenders](https://informediq.com/compliance-and-regulatory-challenges-affecting-consumer-lenders/): subscribe to blog Lending is a difficult business. And it's hard enough dealing with the ordinary risks in consumer lending. But lenders also deal with an overwhelming, ever-changing body of regulation. Fortunately, there are ways to mitigate the risk. One of the best is ensuring that data used in evaluating loans is complete and accurate.
- [Lenders Champion the Way Towards Income Inclusivity](https://informediq.com/lenders-champion-the-way-towards-income-inclusivity/): subscribe to blog Low income car buyers face many challenges when applying for auto loans. And while that isn’t disputed, the root cause of the friction is often debated. The hope is that we protect consumers from predatory lending while making it easy and acceptable to obtain credit - without making people jump through hoops.
- [DEI Trends in action at Top Auto Lenders](https://informediq.com/dei-trends-in-action-at-top-auto-lenders/): subscribe to blog As a leading provider of financial transparency for the auto industry, we are dedicated to sharing our knowledge and insight to boost the prosperity of communities and lenders we serve. Regarding workplace diversity, equity, and inclusion (DEI), there are notable trends and insights that support an overall strategy: Authentic Relationships Drive Diversity
- [CUNA Governmental Affairs Conference (GAC) Recap](https://informediq.com/cuna-governmental-affairs-conference-gac-recap/): subscribe to blog The Credit Union National Association (CUNA) Government Affairs Conference (GAC) is a premier event for credit union leaders and advocates to gather in Washington, D.C. and discuss key issues facing the industry. The conference drew thousands of attendees, including CEOs, board members, and other credit union professionals. This year, Informed attended in
- [Bank Automation Summit Recap](https://informediq.com/bank-automation-summit-recap/): subscribe to blog Bank Automation Summit Brings Industry Leaders Together to Explore the Future of Banking The Bank Automation Summit brought together banking professionals, technology experts, and thought leaders from around the world earlier this month. We discussed the latest developments in banking automation and explored new opportunities for innovation in the financial industry. The
- [Vendor Risk Management](https://informediq.com/vendor-risk-management/): subscribe to blog The future of the modern automotive industry will be marked by innovations in autonomous vehicles, electrification, and increased connectivity. Auto lenders need a plan to ensure that their IT infrastructure keeps up with dynamic trends and an ever-changing market. As the industry evolves and digitizes, data security and privacy are more critical
- [Webcast Recap: Helping Credit Unions Connect with AI and DPA](https://informediq.com/webcast-recap-helping-credit-unions-connect-with-ai-and-dpa/): Read a recap of the recent Origence webcast titled, "Machine Learning and Processing," with Justin Wickett, CEO of Informed.IQ
- [Why Lenders and Dealers Using AI Aren’t as Worried about the News Surrounding Student Loans](https://nonprimetimes.com/why-lenders-and-dealers-using-ai-arent-as-worried-about-the-news-surrounding-student-loans/)
- [Introducing Skip the Stip: Non-Documentary Validation](https://informediq.com/informed-iqs-skip-the-stip-a-non-documentary-validation-tool/): Subscribe to blog We are thrilled to announce the launch of an industry-changing product, Skip the Stip™, a non-documentary validation tool for full spectrum and sub-prime auto lenders. What is Skip the Stip? Skip the Stip is an AI-powered solution harnessing the power of data analytics. By integrating our comprehensive database with advanced machine learning
- [Responsibly Using Large Language Models in Auto](https://informediq.com/responsibly-using-large-language-models-in-auto/): Subscribe to blog The adoption of generative AI and large language models (LLMs) is truly astonishing. ChatGPT, built by OpenAI, announced over 100 million users in January, making it the fastest growing consumer product in history. In comparison, it took TikTok 9 months to reach 100 million users and Instagram spent 2.5 years to reach
- [Auto Finance: Leveraging AI, Transformer Models, and Big Data](https://informediq.com/auto-finance-innovation-leveraging-ai-transformer-models-and-big-data/): Subscribe to blog As auto finance evolves, so must the underpinning technology solutions. Collaborating with fintechs help finance companies stay ahead of the competition and drive innovation. This includes partnering on artificial intelligence (AI), blockchain and mobile payments. It's clear that AI will play a significant role in separating the winners from the losers. Legacy
- [Getting Started in DevSecOps](https://informediq.com/getting-started-in-devsecops/): Subscribe to blog What is DevSecOps? Simply, DevSecOps is DevOps. DevOps always included security, but adding those 3 letters adds emphasis on the security part of the mission. What we want to accomplish with DevSecOps is a scalable security program embedded at every step of the software development lifecycle. Principles of DevSecOps DevSecOps has a
- [NAF 2023 Conference Recap](https://informediq.com/naf-2023-conference-recap/): subscribe to blog The National Automotive Finance Association’s (NAF) 27th Annual non-prime auto financing conference took place in Plano, Texas, June 7 – 9, 2023. The Informed team in attendance at our exhibit booth included Jessica Gonzalez, Director of Lending Strategies, Rachel Fromholtz, Account Manager, and Kartheek Veeravalli, Head of Auto Product. They reported fantastic
- [Origence Lending Tech Live 2023 Recap](https://informediq.com/origence-lending-tech-live-2023-recap/): subscribe to blog The Origence Lending Tech Live Conference, took place in Las Vegas a week or so ago. It was an exceptional event that brought together credit union professionals, industry experts, and technology providers. The focus was on empowering credit unions through innovative lending technology. The conference provided valuable insights, strategies, and solutions to
- [CICD: Foundation of Monorepo Success](https://informediq.com/cicd-foundation-of-monorepo-success/): subscribe to blog From Monolith to Event Driven MicroServices via Polyglot Monorepo InformedIQ’s journey on the road to distributed nirvana This is the first of several series of posts on how Informed transitioned from a distributed monolith that successfully served our early stages. Like many successful startups, our software and infrastructure embodied our understanding of
- [The Medium is the Message](https://informediq.com/the-medium-is-the-message/): subscribe to blog When considering the impact of robotic process technology (RPA) and other AI techniques on the auto lending business, I’m reminded of media critic Marshall McLuhan’s famous concept: The medium is the message. McLuhan astutely observed that the medium used to communicate information affects how it is used. For example, Twitter confines users
- [FIS Emerald 2023 Conference Recap](https://informediq.com/fis-emerald-2023-recap/): subscribe to blog Last week in Orlando, the FIS Emerald 2023 Conference brought together global leaders, industry experts, and visionaries in financial services. For three days, the conference offered innovative ideas, collaborative discussions, and insightful presentations. Focused on emerging technologies, disruptive trends, and transformative strategies, the conference aimed to shape the future of financial services.
- [Fintech Nexus and AFS East Recaps](https://informediq.com/fintech-nexus-and-afs-east-recap/): subscribe to blog The Informed Team is just back from Fintech Nexus in New York, where the watchword was “divide and conquer.” So many things to do and places to be! On day one, CEO Justin Wickett took to the stage with Tanya Sanders, Head of Wells Fargo Auto, in a panel discussion moderated by
- [How to Decide Whether to Build vs. Buy Your Software Solution](https://informediq.com/how-to-decide-whether-to-build-vs-buy-your-software-solution/): subscribe to blog The decision to build versus buy needed software functionality is a critical one that has a big business impact. Among the many factors to weigh - cost and time are the biggest. While it is typically more expensive to buy a pre-built application rather than building functionality, the latter adds an order
- [Leveraging AI Technology to Maximize Efficiency in Auto Lending](https://informediq.com/leveraging-technology-to-maximize-efficiency-in-auto-lending/): subscribe to blog More and more, financial institutions are turning to fintechs to access their advanced technologies, including AI. Makes sense, since Lenders need advanced verification methods to enhance customer experience, prevent fraud, and become more competitive. Fluctuating interest rates, high refinancing activity, and evolving regulations, mean lenders must adapt to the demands of the
- [The Rise of AI-Driven Lending: How models like ChatGPT are Reshaping Loan Processing and Fraud Prevention](https://informediq.com/the-rise-of-ai-driven-lending-how-models-like-chatgpt-are-reshaping-loan-processing-and-fraud-prevention/): subscribe to blog We are thrilled to announce that Informed uses the OpenAI models that power ChatGPT through Microsoft Azure. This further enhances our ability to deliver the very best to our clients, empowering them to stay ahead of the technology curve. For years, Informed has used machine learning and AI to help lenders streamline
- [Maximize Benefits with a Dealer Reward Program: A Win-Win for Lenders and Dealers](https://informediq.com/maximize-benefits-with-a-dealer-reward-program-a-win-win-for-lenders-and-dealers/): Subscribe to Blog A dealer rewards program offered by a bank or lending company, incents car dealerships to finance their customers’ purchases through the lender offering those rewards. The rewards are usually based on meeting lending goals or performance benchmarks. And, they range from bonus points for each loan or lease origination to reaching a
- [Why Monorepo and how to use CI/CD in Monorepo](https://informediq.com/why-monorepo-and-how-to-use-ci-cd-in-monorepo/): Subscribe to blog This blog, the second in this series, introduces the advantages of a monorepo in the development of multi-service applications. Why and What is Monorepo? Modern web-based applications typically comprise multiple services, such as a back-end API and a front-end client. As projects grow larger, scaling may become an issue and services can
- [AI and Fintech: Transforming the Future of Financial Services](https://informediq.com/ai-and-fintech-transforming-the-future-of-financial-services/): Subscribe to blog The convergence of artificial intelligence (AI) and financial technology (fintech) is revolutionizing the landscape of financial services. With advancements in machine learning, data analytics, and automation, AI is empowering fintech companies to enhance efficiency, improve decision-making, and deliver personalized experiences to customers. Soon, the power of AI will transform the fintech sector
- [Introducing CollectIQ: the first-of-its-kind Digital Dealer Tool](https://informediq.com/introducing-collectiq-the-first-of-its-kind-digital-dealer-tool/): Subscribe to blog We are thrilled to announce that we are launching CollectIQ, an AI-powered tool enabling auto lenders to digitally obtain consumer documents for verifying financing requirements. What is CollectIQ? CollectIQ empowers auto dealers to instantly verify consumer data and calculate income, providing a transparent and accurate financing experience. It allows car buyers to
- [From Hallucination to Validation: Optimizing ChatGPT for Employer Name Matching](https://informediq.com/from-hallucination-to-validation-optimizing-chatgpt-for-employer-name-matching/): Subscribe to Blog In a previous blog post, we discussed leveraging ChatGPT to improve employer name match — a critical task in employment verification. Now, we are thrilled to share further insights into the intricacies of employer name matching. By leveraging the power of large language models (LLMs) like ChatGPT, we have achieved even greater
- [Deciphering Aftermarket Products: Leverage AI to better understand your deal jackets](https://informediq.com/deciphering-aftermarket-products-leverage-ai-to-better-understand-your-deal-jackets/): Subscribe to blog In auto finance, retail installment sales contracts (RISCs) outline the terms and conditions agreed between credit applicant, auto dealer, and lender. A crucial part of this contract is the section, “Itemization of Amount Financed.” Furthermore, this is where the contract displays the details: sales price, taxes or fees, and any aftermarket products
- [AI in lending limits bias, speeds up process](https://www.autonews.com/finance-insurance/ai-auto-lending-lowers-risks-speeds-process-reduces-bias)
- [Justin Wickett on the ON with Origence Podcast](https://informediq.com/justin-wickett-on-the-on-with-origence-podcast/): Subscribe to blog Season 1 Episode 4 - How AI Helps Credit Unions in Today’s Changing Market Justin Wickett, CEO and co-founder of Informed.IQ met with host Frank Diekmann for a special Origence podcast recorded at Lending Tech Live ‘23. Justin shared insights on how automation, machine learning, and cutting-edge AI helps credit unions become
- [Fake Paystubs, Overstating Income, Bank Pullouts Plague Auto Financing](https://informediq.com/fake-paystubs-overstating-income-bank-pullouts-plague-auto-financing-blog/): Subscribe to Blog The Informed team was thrilled to be featured in the recent Forbes article, “Fake Paystubs, Overstating Income, Bank Pullouts Plague Auto Financing” by Ed Garsten. Ed interviewed executives from Informed.IQ and Tenet.com for their views on how these issues are impacting indirect auto lenders. The story started: Auto shoppers looking to finance
- [Master the automation of document verifications](https://informediq.com/master-the-automation-of-document-verifications/): Subscribe to blog Over the years, there’s been a desire to automate underwriting – the ability to return credit decisions in seconds. Many Loan Origination Systems (LOS) providers have invested in capabilities to help their auto lending clients achieve automated decisioning. These include: pulling 3rd-party data, consumer scoring based on lender-specific credit models, and appropriate
- [Lending Without Stipulations: Empowering More Sub-prime Lenders to Enable Greater Credit Access](https://nonprimetimes.com/lending-without-stipulations-empowering-more-sub-prime-lenders-to-enable-greater-credit-access/)
- [How dealers & lenders are ensuring fair access to credit amid complicated income verification](https://drive.google.com/file/d/173HrknSMJMBh4T0P7cpvW9Ofj6m_3OFN/view?usp=sharing)
- [How AI technology helps auto dealers & lenders reduce bias in auto loans](https://drive.google.com/file/d/1o33BR72_mBogyWIeQhVLI1ECiiftPglk/view?usp=sharing)
- [DAILY DRIVE PODCAST: How AI can reduce Bias in Auto Lending](https://www.autonews.com/daily-drive-podcast/daily-drive-podcast-july-21-2023)
- [PODCAST: Using AI to prevent bias from happening in auto finance](https://www.autoremarketing.com/subprime/podcast-using-ai-to-prevent-bias-from-happening-in-auto-finance)
- [How Artificial Intelligence and Machine Learning Are Being Used By Credit Unions in 2023](https://cusomag.com/2023/06/28/how-artificial-intelligence-and-machine-learning-are-being-used-by-credit-unions-in-2023/)
- [Driving innovation in auto finance with AI, transformer models, big data analytics](https://www.autofinancenews.net/allposts/auto-finance-excellence/technology/driving-innovation-in-auto-finance-with-ai-transformer-models-big-data-analytics/)
- [How to streamline processes and get more done this tax season](https://www.autofinancenews.net/allposts/auto-finance-excellence/technology/how-to-streamline-processes-and-get-more-done-this-tax-season/)
- [How to use large language models responsibly in auto](https://www.autofinancenews.net/allposts/auto-finance-excellence/technology/how-to-use-large-language-models-responsibly-in-auto/)
- [Leveraging technology to maximize efficiency in auto lending](https://www.autofinancenews.net/allposts/auto-finance-excellence/technology/leveraging-technology-to-maximize-efficiency-in-auto-lending/)
- [Maximizing benefits with AI-based dealer rewards: Incentives offer win-win for all ](https://www.autofinancenews.net/allposts/auto-finance-excellence/technology/maximizing-benefits-with-ai-based-dealer-rewards-incentives-offer-win-win-for-all/)
- [Fake Paystubs, Overstating Income, Bank Pullouts Plague Auto Financing](https://www.forbes.com/sites/edgarsten/2023/07/21/fake-paystubs-overstating-income-bank-pullouts-plague-auto-financing/?sh=276c75046977)
- [How AI Is Helping Lenders Build More Systemic Controls](https://techstrong.ai/financial-services/how-ai-is-helping-lenders-build-more-systemic-controls/)
- [Informed.IQ identifies top 10 states with overstated income & fake paystubs](https://www.autoremarketing.com/subprime/informed-iq-identifies-top-10-states-with-overstated-income-fake-paystubs/?utm_source=Listrak&#038;utm_medium=email&#038;utm_term=https://www.autoremarketing.com/subprime/informed-iq-identifies-top-10-states-with-overstated-income-fake-paystubs/&#038;utm_campaign=Top+10+States+for+Inflated+Income+&+Fake+Paystubs)
- [How Auto Dealers and Subprime Lenders are Ensuring Fair Access to Credit...](https://nonprimetimes.com/how-auto-dealers-and-subprime-lenders-are-ensuring-fair-access-to-credit-in-an-era-when-multiple-income-streams-and-the-gig-economy-complicate-income-verification/)
- [DAILY DRIVE PODCAST: UAW's Fain says relationship with Stellantis fractured; AI in auto lending](https://www.autonews.com/daily-drive-podcast/daily-drive-podcast-april-21-2023)
- [How AI Technology Helps Auto Dealers and Lenders Reduce Bias in Auto Loans](https://nonprimetimes.com/how-ai-technology-helps-auto-dealers-and-lenders-reduce-bias-in-auto-loans/)
- [California GAP law: Dealers quick to comply](https://www.autonews.com/finance-insurance/california-car-dealers-quick-comply-new-gap-law)
- [How AI and Machine Learning are Being Used by Financial Lenders](https://techstrong.ai/financial-services/how-ai-and-machine-learning-are-being-used-by-financial-lenders/)
- [Specific examples illustrating the power of AI-driven lending](https://drive.google.com/file/d/1BWKSCnkAHq_ylVQiGR0qoK_U8lD10jnI/view?usp=sharing): Adine Deford from Informed.IQ shares how lenders are using AI-driven technology to improve their lending processes.
- [American Banker – How Ally uses AI to approve auto loans](https://informediq.com/wp-content/uploads/2022/06/American-Banker-article-on-Informed.IQ_.pdf)
- [Informed.IQ, which automates verifications for FI’s, secures $20M Series A](https://finledger.com/articles/informed-iq-which-automates-verifications-for-fis-secures-20-million-in-series-a-round/)
- [Informed.IQ Raises $20M in Series A Funding](https://www.finsmes.com/2021/05/informed-iq-raises-20m-in-series-a-funding.html)
- [Informed.IQ Announces Series A Funding of $20 million](https://www.finextra.com/pressarticle/87695/informediq-raises-20m)
- [Fintech Informed.IQ, which Helps Financial Institutions Verify Lending Documents, Secures $20M via Series A](https://www.crowdfundinsider.com/2021/05/175532-fintech-informed-iq-which-helps-financial-institutions-verify-lending-documents-secures-20m-via-series-a/)
- [Informed.IQ says it can automate "over 95 percent of situations" by having artificial intelligence review documents uploaded by the consumer.](https://informediq.com/wp-content/uploads/2022/08/AN22004-InformedIQ.pdf)
- [Fintech Nexus Podcast: The use of AI technology in the full spectrum lending world](https://music.amazon.com.br/podcasts/b5402c2a-2c8a-4400-894f-6144d531bef7/episodes/ec397fa8-81e7-414e-aa4f-5d5346766bf3/fintech-nexus-usa-2022-use-of-ai-technology-in-the-full-spectrum-lending-world)
- [Origence leans into AI, automation with 2 integrations](https://www.autofinancenews.net/allposts/innovation-technology/origence-leans-into-ai-automation-with-2-integrations/amp/)
- [Origence partners with Informed.IQ to automate processing of indirect auto loans for credit unions and dealers](https://www.autonews.com/fi-press-release/origence-partners-informediq-automate-processing-indirect-auto-loans-credit-unions)
- [A Guide to Recognizing the Warning Signs of Fraud](https://bankautomationnews.com/allposts/risk-security/a-guide-to-recognizing-the-warning-signs-of-fraud/)
- [InformedIQ automates verifications for Origence’s auto lending using machine learning](https://aws.amazon.com/blogs/machine-learning/informediq-automates-verifications-for-origences-auto-lending-using-machine-learning/)
- [Fraud fighters zero in on document manipulation (subscription required)](https://www.americanbanker.com/news/fraud-fighters-zero-in-on-document-manipulation)
- [Informed.IQ and F&I Sentinel partner to broaden compliance and regulatory offerings in heightened regulatory environment](https://www.autonews.com/fi-press-release/informediq-and-fi-sentinel-partner-broaden-compliance-and-regulatory-offerings)
- [How Business Can Adopt AI Responsibility](https://drive.google.com/file/d/12_WSE0pxSuT6mXMV1vBl7vF9JphDV_Vl/view?usp=sharing)
- [CPS finalizes 3 tech partnerships with more AI tools to be launched this year](https://www.autoremarketing.com/subprime/cps-finalizes-3-tech-partnerships-more-ai-tools-be-launched-year)
- [Improving lending profitability and fairness with AI](https://www.autofinancenews.net/allposts/auto-finance-excellence/technology/improving-lending-profitability-and-fairness-with-ai/)
- [PODCAST: InformedIQ CEO Justin Wickett on AI development path](https://www.autoremarketing.com/afj/podcast-informediq-ceo-justin-wickett-ai-development-path/)
- [Where Auto Lenders are Already Seeing the Benefits of Artificial Intelligence Outside of ChatGPT](https://nonprimetimes.com/where-auto-lenders-are-already-seeing-the-benefits-of-artificial-intelligence-outside-of-chatgpt/)
- [How Artificial Intelligence and Machine Learning are Being Used by Financial Lenders in 2023](https://nonprimetimes.com/how-artificial-intelligence-and-machine-learning-are-being-used-by-financial-lenders-in-2023/)
- [AI and e-contracting tools can flag costly deal jacket errors](https://www.autonews.com/finance-insurance/auto-lenders-say-many-car-loan-deal-jackets-have-errors)
- [Want to cut down on errors in deal jackets? Collect data.](https://www.autonews.com/finance-insurance/fix-dealerships-car-loan-errors-collect-data)
- [Survey illustrates how much manual errors erode bottom line at finance companies](https://www.autoremarketing.com/autofinjournal/survey-illustrates-how-much-manual-errors-erode-bottom-line-at-finance-companies/?utm_source=Listrak&#038;utm_medium=email&#038;utm_term=https://www.autoremarketing.com/autofinjournal/survey-illustrates-how-much-manual-errors-erode-bottom-line-at-finance-companies/&#038;utm_campaign=Inside+the+Car+Haul+Driver+Shortage)
- [Presentation to The Tennessee Bankers Association](https://informediq.com/presentation-to-the-tennessee-bankers-association/): Adine Deford VP of Marketing Adine Deford is the VP of Marketing at Informed.IQ. She has more than 25 years of technology marketing experience serving industry leaders, world class marketing agencies and technology start-ups. See Full Bio Financial Institutions
- [Raymond James, At the Forefront: FinTech](https://drive.google.com/file/d/1-VB2mZpEeWKIgdF14BYDv0P1ac2zVyFk/view?usp=sharing)
- [PitchIt Podcast #9: Justin Wickett of Informed.IQ](https://news.fintechnexus.com/pitchit-podcast-9-justin-wickett-of-informed-iq/)
- [Informed.IQ makes inroads in subprime with CPS & DriveTime](https://www.autoremarketing.com/subprime/informediq-makes-inroads-subprime-cps-drivetime): Informed We are digital transformers of tedious manual tasks, bringing robotics process automation to financial services. See Full Bio
- [Fintech Nexus (Peter Renton) Podcast #380: Justin Wickett of Informed.IQ](https://podcasts.apple.com/us/podcast/380-justin-wickett-of-informed-iq/id766693555?i=1000576645231)
- [Equifax, Informed.IQ breakdowns differ on which is more common](https://www.autonews.com/finance-insurance/equifax-finds-inflated-understated-income-car-loan-applications-common)
- [Bank on it Podcast Episode 439 Justin Wickett from Informed.IQ](https://bankonitpodcast.com/episode-439-justin-wickett-from-informediq)
- [Our CEO, Justin Wickett, Interviewed for the Fintech Financial Times Newsletter](https://www.ft.com/content/4581b407-ee2e-4340-804d-089bf2dd126a): I recently chatted with Justin Wickett, CEO and co-founder of informed. IQ, an AI company helping lenders such as Ally Financial add automation to the loan underwriting process. The former Credit Karma director founded the company alongside his mother, Magdalena Yesil, in 2016. Informed. IQ now automates income verification for over 125,000 applicants a month

## Pages

- [Informed](https://informediq.com/): Employment & Income Verifications For Financial Institutions, Tenant Screeners and Gov't Program Admini. Instant, accurate verifications with less fraud.
- [Informed's Management Team Members](https://informediq.com/company/management/): We are experienced technologists and digital transformers of tedious manual tasks, bringing robotic process automation to financial services.
- [Informed Clear](https://informediq.com/products/informed-clear/): PRODUCTS Informed Clear Increase capture rate without adding opex Know which applicants can skip income stips and which need more scrutiny. Clear scores each application using proprietary consortium-based features that sit on top of the lender’s own credit models. It finds a low-risk segment where proof-of-income stips can be skipped and a small high-risk segment
- [Informed Intelligence Newsletter Archive](https://informediq.com/resources/informed-intelligence-newsletter-archive/): ARCHIVE Informed Intelligence Newsletter Subscribe to Newsletter
- [About Us](https://informediq.com/company/about-us/): Informed helps lenders speed the lending process and reduce fraud, cost and risk by using Document AI and machine learning (ML), and improve financial inclusion
- [Request a Demo to see our Verifications in Action](https://informediq.com/request-a-demo/): Request a demo to see how our AI-powered consumer verifications work. Reduce Manual Costs and Errors, Catch Fraudulent Documents and Deepen Customer Insights.
- [Informed Names Daniel Sogorka as CEO to Accelerate AI-Powered Fraud Protection and Faster Funding for Lenders](https://informediq.com/informed-names-daniel-sogorka-as-ceo-to-accelerate-ai-powered-fraud-protection-and-faster-funding-for-lenders/): Informed names Daniel Sogorka as CEO to scale its AI-powered fraud protection platform and accelerate loan funding for auto and consumer lenders.
- [Informed's Industry Partner Ecosystem](https://informediq.com/company/informed-partner-ecosystem/): Through Informed's Partner Ecosystem we are creating the future of consumer lending verifications with best in class partners.
- [Informed Consumer](https://informediq.com/products/informed-consumer/): PRODUCTS Informed Consumer AI-Automated Consumer Verifications Informed Consumer Informed’s consumer verifications are highly accurate, require minimal manual intervention, and complete within seconds. They can occur at Underwriting and/or at Funding. Informed can receive documents directly from the consumer via customizable SMS outreach and programmatically from a lender’s LOS. Lenders Fund Deals FasterEliminates time consuming manual funding processesAdditional
- [Desert Financial Credit Union Partners with Informed.IQ to Transform Indirect Auto Lending, Boosting Funder Efficiency by 66%](https://informediq.com/desert-financial-credit-union-partners-with-informed-iq-to-transform-indirect-auto-lending-boosting-funder-efficiency-by-66/): San Francisco, CA and Phoenix, AZ — 2026 — Informed.IQ, a leading provider of AI-driven document intelligence and automation for financial institutions, has partnered with Phoenix, Arizona-based Desert Financial Credit Union to eliminate manual funding friction, reduce team overtime, and cut employee onboarding times through direct integration into the credit union's indirect lending stack. Before
- [Watch Now: How Wells Fargo is Rethinking Verification, Fraud, and Funding Risk](https://www.autofinancenews.net/informediq-webinar-2026/): Data shows that 41% of loan applicants under-state their income while 38% over-state their income. In a tightening economy this becomes more important to consumers and lenders as it impacts access to credit and financing. Better understanding these income discrepancies early in the application process will result in an increase in loan conversions. The earlier
- [Accelerating Auto Lending: How Suncoast Credit Union Modernized Document Verification with Dealer Verify](https://informediq.com/accelerating-auto-lending-how-suncoast-credit-union-modernized-document-verification-with-dealer-verify/): Suncoast Credit Union improved fraud prevention, reduced manual reviews, and accelerated funding decisions with Informed's Dealer Verify automation tool.
- [2026 Auto Finance Fraud Intelligence Survey Report](https://informediq.com/2026-auto-finance-fraud-intelligence-survey-report/): Download this 20 page report to learn the results of Informed’s latest survey. The questionnaire was presented to 2,500 auto lending executives in late January, 2026. Highlights include: When asked about fraud trends, 75% of lenders reported an increase over the past year, driven in part by more sophisticated, AI-generated documents On detection capabilities, 80%
- [Informed.IQ Study Of Auto Finance Professionals Reveals Critical Gaps in Fraud Detection and Rising “AI Fatigue”](https://informediq.com/informed-iq-study-of-auto-finance-professionals-reveals-critical-gaps-in-fraud-detection-and-rising-ai-fatigue/): 75% of auto lenders see a fraud surge, but over half lack confidence in AI tools. Discover why "AI fatigue" is shifting demand to ROI.
- [Informed.IQ Secures $63 Million from Invictus Growth Partners to Advance AI-Powered Fraud Prevention and Loan Verification](https://informediq.com/informed-iq-secures-63-million-from-invictus-growth-partners-to-advance-ai-powered-fraud-prevention-and-loan-verification/): Informed.IQ secures a $63M investment from Invictus Growth Partners to scale its AI fraud prevention into mortgage, tenant screening, and government sectors.
- [Glossary of Auto and Consumer Lending Terms](https://informediq.com/resources/glossary/): Your guide to industry terms used to talk about income verification and other stipulations used in tenant verifications, consumer lending and auto lending.
- [Informed Fights Fraud: Here is How To Protect Your Lending Business](https://informediq.com/products/informed-fights-fraud/): Learn how Informed fights fraud with AI-Powered income verification. Detect fake paystubs, prevent income misrepresentation, and protect your lending portfolio.
- [Consumer Lending](https://informediq.com/solutions/consumer-lending/): Solutions Consumer Lending How Informed helps Consumer and Personal Lenders Informed’s document AI enables consumer lenders to board more loans faster, and reduce fraud and risk. Combining OCR, AI, a data network and document intelligence, Informed automates the personal lending funding process. And, the copilot “rides along” with loan officers helping speed up the process
- [Auto Lending](https://informediq.com/solutions/auto-lending/): Informed’s document intelligence and AI enable auto lenders to board more loans faster, and reduce fraud and risk, whether financing purchases or leases.
- [Fraud Data Network](https://informediq.com/company/fraud-data-network/): Informed's Fraud Data Network is a lending database of 100 million+ records and more than 2 billion+ lending data points spanning 340 dimensions.
- [Watch Now: Crossing the chasm into the new digital world: The impact of AI and automation in creating a fully digital auto ecosystem](https://informediq.com/watch-now-crossing-the-chasm-into-the-new-digital-world-the-impact-of-ai-and-automation-in-creating-a-fully-digital-auto-ecosystem/): Jessica Gonzalez, VP of Customer Success, Lending at Informed.IQ and Tim Yalich, Head of Auto Strategy from Wolters Kluwer share a lively and interactive discussion about the importance of AI and automation in providing the path to the new digital world. Master the shift to digital auto lending by discovering: The common” pitfalls” to going
- [Watch Now: Income Verification and the Future of Lending Webinar](https://informediq.com/income-verification-and-the-future-of-lending/): In this post, we'll talk about Income Verification, the Future of Lending Webinar, Income Discrepancies, and Impact on Credit and Financing. Learn more now!
- [Watch Now: Technology & transformation: Women driving change in finance](https://informediq.com/watch-now-technology-transformation-women-driving-change-in-finance/): In honor of Women's History Month we've rounded up four exceptional women in finance to discuss the current state of US lending, risks, and predictions for 2024
- [Want easy access to Informed Industry Insights?](https://informediq.com/subscribe/): Subscribe to have Informed's channels delivered straight to your inbox! Follow us on LinkedIn Want to stay “in the know?”Follow us for company and industry updates. Connect With Us
- [Contact Us - We'd Love To Hear From You!](https://informediq.com/contact-us/): Contact us via our contact form if you have any questions or concerns. We're dedicated to providing exceptional service and support.
- [Partner With Us](https://informediq.com/partner-with-us/): partners Become a Partner Fill out this form to request joining our partner ecosystem This form is currently closed for submissions.
- [Informed Defender - Documentary Fraud](https://informediq.com/products/informed-defender/): Informed Defender is a documentary fraud tool utilizing an industry data repository that helps lenders mitigate losses by catching misrepresentations.
- [Informed Auto](https://informediq.com/products/informed-auto/): PRODUCTS Informed Auto Auto Loan Deal Jacket Verifications What is Informed Auto? Informed Auto is a bundle of consumer stipulation verifications and dealer document verifications. With Informed’s AI, automated verifications you:Enable real-time boarding of loansEmpower lenders to fund more deals, fasterGet dealers paid fasterReduce friction in the Consumers’ F&I experienceLeverage consumer stipulations at point of
- [Dealer Verify](https://informediq.com/products/dealer-verify/): PRODUCTS Dealer Verify Dealers Collect Documents and Clear Stipulations in Real Time What is Dealer Verify? Dealer Verify is an AI-powered tool that enables auto dealers to clear stipulations in real time via digital document collection and instant, automated verifications. Dealer Verify enables up front, accurate income calculations and validation of consumer data at underwriting,
- [defi SOLUTIONS Announces New Partnership with Informed.IQ to Automate Funding Process and Reduce Risk](https://informediq.com/defi-solutions-announces-new-partnership-with-informed-iq-to-automate-funding-process-and-reduce-risk/): defi LOS Integrates Informed.IQ’s Proprietary AI, ML Models Westlake, TX, Sept 13, 2025 — defi SOLUTIONS, a leading provider of end-to-end, SaaS loan originations, servicing, and managed servicing solutions, is pleased to announce the addition of Informed.IQ to the defi ecosystem of integration partners and lenders. Lenders will be able to seamlessly integrate Informed.IQ’s vertical
- [Privacy Policy - How Your Data is Used](https://informediq.com/privacy-policy/): This Privacy Policy describes how Informed, our website and all related websites with a link to this Policy, process, and store information about you.
- [Informed.IQ and Suncoast Credit Union Partner to Accelerate Funding and Dealer Satisfaction Through Low-Lift AI Integration](https://informediq.com/informed-iq-and-suncoast-credit-union-partner-to-accelerate-funding-and-dealer-satisfaction-through-low-lift-ai-integration/): Informed.IQ partners with Suncoast CU to boost funding efficiency and dealer satisfaction—no heavy tech lift required.
- [Integration-Free Automation](https://informediq.com/solutions/integration-free-automation/): Automate auto loan funding with InformedIQ’s AI—no IT integration needed. Reduce manual work, cut risk, and fund more loans faster with real-time verification.
- [Why People Love Working At Informed](https://informediq.com/company/careers/): Informed is a family. Every day we have a catered lunch together. We wrap the week up and relax together with our Happy Hour.
- [Events](https://informediq.com/resources/events/): Be Informed Events Auto Finance Summit 2025 Las Vegas, NV October 15-17, 2025 Lending Council Conference 2025 Anaheim, CA November 2-5, 2025 Technology & transformation: Women driving change in finance On Demand Past Events Origence Lending Tech Live '25 Nashville, TN June 16-18, 2025 2025 AI Conference Tom Oscherwitz co-leads roundtable discussion, "Navigating AI Policy
- [Human-in-the-Loop](https://informediq.com/products/human-in-the-loop/): PRODUCTS Human-in-the-Loop (HITL) 100% Extraction Rates What is Human in the Loop? Informed has augmented its best-in-class AI for extractions, verification, and fraud detection with Human-In-The-Loop (HITL). HITL enables operations staff, at Informed or the lender, to verify and correct AI-extracted data. This ensures the highest possible accuracy and completeness so lenders can automate more
- [CollectIQ - Digital Document Collection](https://informediq.com/products/collectiq/): CollectIQ is an AI-powered tool enabling lenders to digitally obtain consumer documents and verify data. Simple, intuitive document collection.
- [Government Benefit Program Administrators](https://informediq.com/solutions/government-benefit-program-administrators/): Solutions Government Benefit Program Administrators Informed speeds up the cumbersome verifications required when people apply for Government benefits such as Supplemental Nutrition Assistance (food stamps), Medicare, Medicaid, Unemployment Insurance, Temporary Assistance for Needy Families (TANF) (formerly known as welfare), Social Security Disability Insurance (SSDI) Benefits, and the Affordable Connectivity Program (ACP), etc.Using Informed’s Artificial Intelligence
- [Student Loan Refinancing](https://informediq.com/solutions/student-loan-refinancing/): Solutions Student Loan Refinancing With the end of the student loan payment pause, many of the nearly 43 million Americans with student loan debt will consider refinancing those loans. Informed speeds up current loan statement and income verifications using Artificial Intelligence (AI) and Machine Learning. Getting approved for refinancing requires that applicants satisfy several conditions. The
- [Informed Maintains Compliance](https://informediq.com/solutions/informed-maintains-compliance/): Solutions Informed Maintains Compliance Verifications Help Lenders Stay CompliantInformed’s AI copilot automates lender’s review of key Federal and State compliance obligations. Our compliance verifications use advanced machine-learning techniques to read deal jacket documents and confirm that required disclosures, signatures, and key terms are present. We do this in seconds, as opposed to the usual hours
- [Consumer Verifications for Lenders](https://informediq.com/solutions/consumer-verifications/): Consumer verifications are difficult & time consuming. Important underwriting decisions require accurate income & understanding an individual’s ability to pay.
- [Funding Loans of All Types](https://informediq.com/solutions/funding-loans/): When funding loans, lenders spend hours manually verifying applicant information. Specifically income (manually calculations), residence, employment, and more.
- [Verifying Income](https://informediq.com/solutions/verifying-income/): Solutions Verifying Income AI verifications for income and employment with 99% accuracyStated income is notoriously falsified and unreliable. Paycheck stubs and bank statements are easily forged. Income calculation is complex, and humans make mistakes – the more manual processes in place, the greater compliance and fair lending risk. Our income document intelligence uses AI and
- [Consumer Lending Industry Blog](https://informediq.com/blog/): Published weekly, the best place to learn about #ai, #credit, #compliance, #income, #AncillaryProducts, #GAP, #fraud, #FinancialInclusivity and #lending topics.
- [Consumer Portfolio Services Leverages Informed.IQ’s Dealer Verify to Enhance Loan Processing, Increase Capture Rates, and Improve Dealer Experience](https://informediq.com/consumer-portfolio-services-leverages-informed-iqs-dealer-verify-to-enhance-loan-processing-increase-capture-rates-and-improve-dealer-experience/): Consumer Portfolio Services, Inc. a leader in providing indirect automobile financing to consumers, announced the successful integration of Informed.IQ’s Dealer Verify tool into its loan origination process
- [stAI informed podcast](https://informediq.com/stai-informed-podcast/): Podcast stAI informed 1x 00:00 / 00:27:21 Subscribe Share Apple Podcasts Spotify RSS Feed Share Link Embed Ep 25: Emerging Fraud Trends and Generative AI in Lending /*!
- [Informed.IQ Industry Survey Shows Where Multifamily Professionals Still Have Significant Challenges with Applicant Verifications](https://informediq.com/informed-iq-industry-survey-shows-where-multifamily-professionals-still-have-significant-challenges-with-applicant-verifications/): Large number of property managers still conduct applicant verifications manually; Growing number are interested in exploring AI-driven verification
- [Jobs](https://informediq.com/jobs/): Here are a list of jobs available at Informed today. Get connected with us by following our social media and apply now! Be a part of our team
- [Post a Job](https://informediq.com/post-a-job/): Looking for the right place to post a job? Post your job with Informed for free today! Our well-known platform will help you find the right candidates!
- [Company](https://informediq.com/company/): Informed's Corporate Information including: About Us, Data Consortium, Investors, Management Team, Partners, Newsroom, Compliance and Careers.
- [Products](https://informediq.com/products/): Informed's product suite of lending and verifications products includes Informed Consumer, Income Clear, CollectIQ, Human-in-the-Loop and Informed Auto.
- [Resources](https://informediq.com/resources/): The place to see Informed's collection of Income Verification Resources including: the stAI informed podcast, events, webinars, data sheets, videos and more.
- [Solutions](https://informediq.com/solutions/): Learn about Informed's Solutions for Income and Employment Verifications, Tenant Screening, Fraud Detection, Consumer & Auto Lending and Government Programs.
- [Meet us at Auto Finance Summit 2023!](https://informediq.com/afs2023/): Request a meeting with the Informed team Bellagio, Las Vegas, NVOctober 29-31, 2023Booth 315 This form is closed. Request a Demo Stay in the know
- [Informed Income Verifications FAQ](https://informediq.com/resources/faq/): You have questions, we have answers to all things Informed Income Verifications, Stipulation Clearance and expedited loan processing and tenant verifications.
- [Crescent Bank Partners with Informed.IQ To Simplify the Lending Process for its Auto Dealers](https://informediq.com/crescent-bank-partners-with-informed-iq-to-simplify-the-lending-process-for-its-auto-dealers/): With Informed, Crescent Bank better serves dealers with AI-driven automation. The operational enhancement enables Crescent to simplify the lending process.
- [Consumer Portfolio Services Chooses Informed.IQ to Streamline Auto Lending](https://informediq.com/consumer-portfolio-services-chooses-informed-iq-to-streamline-auto-lending/): This article will explain why we partnered with Consumer Portfolio Services, Inc. The collaboration is expected to handle a larger origination volume for CPS.
- [Fuse Integrates with Informed.IQ to automate verifications and fraud detection using AI](https://informediq.com/fuse-integrates-with-informed-iq-to-automate-verifications-and-fraud-detection-using-ai/): Informed.IQ, the fastest growing technology supplier of AI verification software to the finance industry, and Fuse, a next-generation loan origination system
- [Webinars](https://informediq.com/resources/webinars/): Be Informed Upcoming and On-Demand Webinars Connect With Us Watch Now: How Wells Fargo is Rethinking Verification, Fraud, and Funding Risk Watch Now: Crossing the chasm into the new digital world: The impact of AI and automation in creating a fully digital auto ecosystem Watch Now: Technology & transformation: Women driving change in finance Watch
- [Steve Weger Joins Informed.IQ as General Manager](https://informediq.com/steve-weger-joins-informed-iq-as-general-manager/): San Francisco, CA; May 14, 2024 - Informed.IQ, developer of AI-based software that instantly verifies loan origination data and documents, and reduces fraud for financial institutions, announced the addition of Steve Weger as General Manager - Auto. Previously, Steve was an Advisor to the company. Steve is a financial services veteran with over two decades
- [Informed's Lending Resource Library](https://informediq.com/company/whitepapers/): Informed's Resource Library is your go to resource for videos, podcasts, upcoming events, webinars and the Informed Glossary and FAQ. Questions answered!
- [Compliance - Informed Certifications](https://informediq.com/company/compliance/): Informed's software in compliant. See our certificates for Security, Compliance and Availability. SOC 2 Type 11, Model Risk approved, unmatched SLAs.
- [2024 Auto Loan Defect Survey Report](https://informediq.com/2024-auto-loan-defect-survey-report/): Download this 20 page report to learn the results of Informed’s latest survey. The questionnaire was presented to 2,500 auto lending executives in late January, 2024. Highlights include: When asked how automation has improved their lending process, 21% of respondents (top answer) said automation has reduced fraud in their lending process. This was followed by
- [Welcome to Informed Overview](https://informediq.com/welcome-to-informed-overview/): This video provides brief introduction to the services and benefits of Informed.IQ. Informed services financial institutions providing instant, automatic verifications. By leveraging AI, you can board more loans faster, while reducing both fraud and risk.
- [White paper: Accuracy and Automation SLAs are Coming Your Way](https://informediq.com/white-paper-accuracy-and-automation-slas-are-coming-your-way/): Recent advancements in AI automation are changing lenders’ expectations of vendor performance. Successful AI systems must continually adapt to changing data and demonstrate consistent, sustainable automation and accuracy – in other words, automation and accuracy SLAs. Advances in AI automation enable timely, relevant, and cost-effective, customer services. Informed.IQ’s commitment to these performance standards is part
- [A Lender's Intro to Fraud eBook](https://informediq.com/a-lenders-intro-to-fraud-ebook/): Lenders are seeing a spike in fraud, especially in digital retailing solutions. There are different types of fraud and several ways to protect yourself.
- [2023 Auto Loan Defect Survey Report](https://informediq.com/2023-auto-loan-defect-survey-report/): New 20 page report outlining the findings of Informed's 2023 Auto Loan Defect Survey. The survey was presented to 2500 auto lending executives.
- [Case Studies](https://informediq.com/case-studies/): Be Informed Case Studies AFS East 2026 Recap: AI, Fraud Risk, and Operational Efficiency in Auto Finance The auto finance industry is experiencing a rare alignment of favorable conditions, creating significant opportunities for growth despite broader economic complexities. The market is showing sustained wholesale strength, detailed in presentations at AFS East 2026. The MMR Index
- [Consumer Lending Industry Newsroom](https://informediq.com/company/newsroom/): Be Informed. Stay current on Hot Topics & Current Trends in Consumer & Auto Lending. #compliance, #GAP, #ai, #fraud, #bias, #autofinance, #originations, #credit
- [Everything you ever wanted to know about Informed in 46 Seconds](https://informediq.com/a-46-second-overview-of-informed/): Informed helps lenders approve more loans quickly, cutting down on risk, cost, and fraud. Boost your customer satisfaction with Informed's AI Platform now!
- [RV, Marine, and Powersports Lending](https://informediq.com/solutions/rv-marine-powersports-lending/): Solutions RV, Marine, and Powersports Lending Informed’s document AI enables RV, marine, and powersports lenders to board more loans faster, reducing fraud and risk. By combining OCR, AI, a data consortium and document intelligence, Informed automates the funding process, reducing contracts-in-transit and unwinds. The copilot “rides along” with loan officers helping them speed the process
- [Informed.IQ Industry Survey Shows Where Improvements Are Taking Place In Leveraging Automation And AI For Lender Operational Efficiency](https://informediq.com/informed-iq-industry-survey-shows-where-improvements-are-taking-place-in-leveraging-automation-and-ai-for-lender-operational-efficiency/): Deal Jacket Errors Without AI & Automation Still Cost Lenders Millions; Many C-Suite Executives Still Trying To Understand AI Benefits San Francisco, CA; March 26, 2024 - Informed.IQ, a developer of AI-based software that verifies, streamlines and optimizes loan processing, announced today it recently commissioned an industry-wide survey of auto finance executives to identify the
- [Wolters Kluwer and Informed.IQ collaborate on AI-driven document intelligence to enhance vehicle lending lifecycle](https://informediq.com/wolters-kluwer-and-informed-iq-provide-ai-driven-document-intelligence-to-enhance-vehicle-lending-lifecycle/): Wolters Kluwer partnered with Informed.IQ to distribute an automated technology solution modernizing the vehicle lending lifecycle by using digitized processes.
- [AWS Announces General Availability of Amazon Textract](https://informediq.com/aws-announces-general-availability-of-amazon-textract-2/): Informed uses Amazon Textract to analyze loan documents for FIs. Our offering is enhanced by Textract, enabling us to identify 95% of loan application defects.
- [The Role of AI and Automation in the Lending Process: Jessica Gonzalez speaks at Disruptive Bank Tech 2023](https://informediq.com/the-role-of-ai-and-automation-in-the-lending-process-jessica-gonzalez-speaks-at-disruptive-bank-tech-2023/): Watch how Jessica Gonzalez gives insights into how AI and automation are shaping the lending process in the disruptive landscape of Bank Tech 2023.
- [Informed Indirect Auto Demo by Justin Wickett](https://informediq.com/informed-indirect-auto-demo-by-justin-wickett/): Informed CEO Justin Wickett explains how Informed enables Indirect Auto Lenders to streamline verifications of consumer credit & auto applications.
- [Informed at 2022 Fintech Demo Day](https://informediq.com/2022-fintech-demo-day/): Informed CEO, Justin Wickett had the honor of presenting Informed's ideas, emphasizing how it contributes to lowering the cost of credit for consumer lenders.
- [Fiserv offers Informed’s Whitelabeled Digital Outreach Tool to Automate Collection and Clearing of Consumer Stipulations](https://informediq.com/fiserv-offers-informeds-whitelabeled-digital-outreach-tool-to-automate-collection-and-clearing-of-consumer-stipulations/): Fiserv offers Informed’s White labeled Digital Outreach Tool to Automate Collection and Clearing of Consumer Stipulations
- [CollectIQ - Automation Platform for Auto Dealers and Lenders](https://informediq.com/collectiq-automation-platform-for-auto-dealers-and-lenders/): This explainer video provides an overview of CollectIQ, a valuable consumer-facing tool for auto dealers and lenders from Informed.
- [Tom Oscherwitz Joins Informed.IQ as VP of Legal and Regulatory Advisor](https://informediq.com/tom-oscherwitz-joins-informed-iq-as-vp-of-legal-and-regulatory-advisor/): Tom Oscherwitz has over 20 years of experience in the Consumer Financial Protection Bureau (CFPB), serving as both a regulator and a legal executive.
- [Origence Partners with Informed.IQ to Automate Processing of Indirect Auto Loans for Credit Unions and Dealers](https://informediq.com/origence-partners-with-informed-iq-to-automate-processing-of-indirect-auto-loans-for-credit-unions-and-dealers/): Origence has become Informed.IQ's partner. Origence's lending technology solutions are used by 1,130 credit unions serving over 64 million members nationwide.
- [Nowlake Technology Partners with Informed.IQ on AI Originations Solution](https://informediq.com/nowlake-technology-partners-with-informed-iq-on-ai-originations-solution/): Nowlake Technology and Informed.IQ have jointly launched an originations automation solution for auto loan applications. Click here to see more!
- [Ivaylo Lenkov Joins Informed.IQ as Vice President of Engineering](https://informediq.com/ivaylo-lenkov-joins-informed-iq-as-vice-president-of-engineering/): Ivaylo Lenkov is a technology pioneer with 20+ years of experience, previously serving as VP of Engineering at CDK Global. Learn more about Ivaylo Lenkov here!
- [Informed.IQ uses Amazon Textract as a building block](https://informediq.com/informed-iq-uses-amazon-textract-as-a-building-block/): Amazon Textract can analyze virtually any document without customization or human intervention, it can process millions of documents accurately and quickly.
- [Informed.IQ Unveils Groundbreaking Product: Non-Documentary Validation for Subprime & Full Spectrum Lenders](https://informediq.com/informed-iq-unveils-groundbreaking-product-non-documentary-validation-for-subprime-full-spectrum-lenders/): Informed announced the launch of an industry-changing product, Skip the Stip™, a non-documentary validation tool for full spectrum and sub-prime auto lenders.
- [Informed.IQ unveils CollectIQ: Digital Dealer tool using Comprehensive AI to Electronically Collect and Verify Car Buyer Data](https://informediq.com/informed-iq-unveils-collectiq-digital-dealer-tool-using-comprehensive-ai-to-electronically-collect-and-verify-car-buyer-data/): CollectIQ will be able to instantly verify consumer data, and work flawlessly with dealers' current systems. Check out our AI-Driven powerful tool now!
- [Informed.IQ Teams with FIS To Deliver Faster Lending Validation](https://informediq.com/informed-iq-teams-with-fis-to-deliver-faster-lending-validation/): Informed.IQ collaborates with FIS, to enhance consumer income calculations and validate applicant data for faster and more accurate credit decisions.
- [Informed.IQ Reveals New Trends In Auto Lenders’ Use of AI; Survey Also Illustrates How Much Manual Errors Are Eroding the Bottom Line](https://informediq.com/informed-iq-reveals-new-trends-regarding-auto-lenders-use-of-artificial-intelligence-survey-also-illustrates-how-much-manual-errors-are-eroding-the-bottom-line/): Informed.IQ Reveals New Trends In Auto Lenders’ Use of AI; Survey Also Illustrates How Much Manual Errors Are Eroding the Bottom Line.
- [Informed.IQ Launches Dealer Verify, a new tool leveraging AI to Enhance the Auto Dealer Experience and reduce Contracts in Transit](https://informediq.com/informed-iq-launches-dealer-verify-a-new-tool-leveraging-ai-to-enhance-the-auto-dealer-experience-and-reduce-contracts-in-transit/): Informed.IQ launched a new tool called Dealer Verify, designed to streamline loan processing for auto dealers. It will reduce Contracts-in-Transit and Fraud.
- [Informed.IQ and Lender Compliance Technologies Announce Partnership: Intelligent Document Processing for Auto Aftermarket Product Cancelations](https://informediq.com/informed-iq-and-lender-compliance-technologies-announce-partnership-intelligent-document-processing-for-auto-aftermarket-product-cancelations/): Informed.IQ and Lender Compliance Technologies partnered to save lenders manual review to find aftermarket product information to orchestrate cancellations.
- [Informed.IQ launches availability of AI-Powered Verifications for financial institutions in AWS Marketplace](https://informediq.com/informed-iq-launches-availability-of-ai-powered-verifications-for-financial-institutions-in-aws-marketplace/): Informed.IQ launches availability of AI-Powered Verifications for financial institutions in AWS Marketplace making it easy to find, test & buy their software.
- [Informed.IQ Launches AI-Powered Copilot and Human-in-the-Loop Services to Streamline Lenders’ Operational Processes](https://informediq.com/informed-iq-launches-ai-powered-copilot-and-human-in-the-loop-services-to-streamline-lenders-operational-processes/): Informed.IQ aims to make loan officers more efficient and increase extraction rates. Focusing on automation will enable humans to work alongside AI.
- [Informed.IQ hires former SCUSA executive to gain more auto business](https://informediq.com/informed-iq-hires-former-scusa-executive-to-gain-more-auto-business/): Jessica Gonzalez, most recently senior vice president of digital transformation at Santander Consumer USA and joined as Informed.IQ as director of auto business
- [Informed.IQ Announces Series A Funding of $20 million](https://informediq.com/informed-iq-announces-series-a-funding-of-20-million/): Informed.IQ, AI software used by lenders to instantly & accurately verify income & other loan origination data, raised $20 million in a Series A funding round.
- [Informed.IQ and F&I Sentinel Partner to Broaden Compliance and Regulatory Offerings in Heightened Regulatory Environment](https://informediq.com/informed-iq-and-fi-sentinel-partner-to-broaden-compliance-and-regulatory-offerings-in-heightened-regulatory-environment/): Informed.IQ and F&I Sentinel Partner to Broaden Compliance and Regulatory Offerings to further address the rapidly changing regulatory environment
- [FinBe USA Partners with Informed.IQ To Streamline Originations Process Using AI & Machine Learning](https://informediq.com/finbe-usa-partners-with-informed-iq-to-streamline-originations-process-using-ai-machine-learning/): Informed.IQ has partnered with FinBe USA (formerly Credito Real USA Finance) to streamline the originations process using AI and machine learning.
- [DriveTime and Informed.IQ Partner to Simplify the Car-Buying Experience](https://informediq.com/drivetime-and-informed-iq-partner-to-simplify-the-car-buying-experience/): With Informed, DriveTime customers can digitally upload documents to instantly verify income, enabling customers to get their application reviewed and approved.
- [10 Companies Chosen for 2021 FIS Accelerator](https://informediq.com/banking-as-a-service-authentication-and-lending-technologies-highlight-ten-growth-stage-companies-chosen-for-2021-fis-fintech-accelerator-program/): Financial technology leader FIS® and The Venture Center have announced the ten companies selected to participate in the 2021 FIS Fintech Accelerator program.
- [Breeze Through Your Next Audit](https://informediq.com/breeze-through-your-next-audit/): Request a Demo and Breeze Through Your Next Audit See how you can apply AI to accelerate digital transformation within your organization.
- [How Informed Leverages AI to help Lenders](https://informediq.com/how-informed-leverages-ai/): The convergence of artificial intelligence (AI) and financial technology (fintech) is revolutionizing the landscape of financial services. With advancements in machine learning, data analytics, and automation, AI is empowering fintech companies to enhance efficiency, improve decision-making, and deliver personalized experiences to customers. And, the power of AI will transform the fintech sector and impact the
- [See Your ROI](https://informediq.com/see-your-roi/): Get Results See Your ROI Answer the 8 questions below to see just how much ROI you can expect. What Kind of ROI Do Informed Clients See? Informed Clients report hard and soft, quantifiable benefits. Many see improvements in their Net Promoter Scores (NPS) and J.D. Power scores in customer surveys. Informed provides flexibility allowing
- [Resource Center](https://informediq.com/resources/resource-center/): Resources Resource Center Chartis Research: Enterprise and Payment Fraud Solutions, 2026 — Informed.IQ Vendor Spotlight Informed.IQ Case Study: Desert Financial Credit Union’s Transformation of Indirect Auto Lending Operations Informed.IQ Case Study: How Suncoast Credit Union Modernized Document Verification with Dealer Verify Informed's Auto Refinance Document Verification: Where Refi Files Stall and How Lenders Clear Them
- [Videos](https://informediq.com/resources/videos/): Be Informed Videos Connect With Us Welcome to Informed Overview The Role of AI and Automation in the Lending Process: Jessica Gonzalez speaks at Disruptive Bank Tech 2023 CollectIQ – Automation Platform for Auto Dealers and Lenders Informed at 2022 Fintech Demo Day Everything you ever wanted to know about Informed in 46 Seconds Informed
- [Job Dashboard](https://informediq.com/job-dashboard/)
- [Investors](https://informediq.com/company/investors/): Who We Are Our Investors Informed is proud that industry-leading investors believe in our mission. Investors Nyca is a leading venture capital firm focused on connecting innovative companies to the global financial system. U.S. Venture Partners (USVP) partners with entrepreneurs to transform their ideas into world-changing companies.
- [Page Not Found](https://informediq.com/page-not-found/): Page Not Found You're Out Of This World Don’t worry. It happens to the best of us. Come back down to Earth. Back to Home

## Jobs

- [Principal Brand Designer](https://informediq.com/job/principal-brand-designer/): Remote; Must reside in the U.S. Reports to: VP, Marketing Type: Full-time Posting Close Date: October 31, 2026 This is a full-time, senior individual contributor role. Their role would encompass the below responsibilities: Brand Overhaul & System Lead a complete brand identity overhaul: visual identity, guidelines, and the underlying design system that keeps everything consistent as

## Episode

- [Ep 24: How Lenders Can Leverage Data Using Technology & Data Networks](https://informediq.com/podcast/ep-24-how-lenders-can-leverage-data-using-technology-and-data-networks/): Hosts Jessica Gonzalez and Tom Oscherwitz explore how technology and data networks are transforming decision-making in the financial services industry. Learn about the different ways organizations use data to drive insights, optimize operations, and enhance customer experiences. Whether you're data-driven, data-aware, or somewhere in between, this episode provides valuable insights into making data more actionable
- [Ep 17: The Importance of Fraud Data Networks](https://informediq.com/podcast/ep-17-the-value-of-data-networks-in-solving-industry-problems/)
- [Ep 25: Emerging Fraud Trends and Generative AI in Lending](https://informediq.com/podcast/ep-25-emerging-fraud-trends-and-generative-ai-in-lending/): Generative AI is accelerating new fraud trends in the lending space from synthetic identities to deepfake technology.
- [Ep 23: Combating Auto Finance Fraud with AI: Insights from Industry Leaders](https://informediq.com/podcast/ep-23-combating-auto-finance-fraud-with-ai-insights-from-industry-leaders/): Join for a dive deep into the evolving landscape of fraud in auto finance and how advanced AI technologies are being leveraged to combat it.
- [Ep 22: Trends in Auto Finance](https://informediq.com/podcast/ep-22-trends-in-auto-finance/): Jessica Gonzalez dives into the latest trends in auto finance with Steve Weger, General Manager of Auto at Informed.
- [Ep 1: Cutting Through the Hype: How Auto Lenders Can Safely Benefit from AI Now](https://informediq.com/podcast/cutting-through-the-hype-how-auto-lenders-can-safely-benefit-form-ai-now/)
- [Ep 18: What to expect from the CFPB this year](https://informediq.com/podcast/ep-18-what-to-expect-from-the-cfpb-this-year/): Listen to guests and prominent CFPB alumni, Gary Stein and Nora Rigby, discuss the Supreme Court decision that validated the constitutionality of the CFPB.
- [Ep 19: Q&A with Fuse CEO, Andres Klaric](https://informediq.com/podcast/ep-19-qa-with-fuse-ceo-andres-klaric/): Listen for a Q&A with Andres Klaric, the CEO of Fuse and Informed's latest partner! Together, our integrated solution automates verifications and fraud detection for financial institutions using AI.
- [Ep 20: Status of Legislative Efforts to Regulate AI](https://informediq.com/podcast/ep-20-status-of-legislative-efforts-to-regulate-ai/): Special guest Yolanda McGill, Deputy General Counsel & VP, Policy and Government Affairs of Zest AI, joins host, Tom Oscherwitz, VP of Legal at InformedIQ to chat about the status of legislative efforts to regulate AI.
- [Ep 21: The CFPB’s Evolving Views on FinTech Innovation](https://informediq.com/podcast/ep-21-the-cfpbs-evolving-views-on-fintech-innovation/): Mike Silver, Partner, Consumer Financial Services at Husch Blackwell, joins host Tom Oscherwitz, VP of Legal at Informed.IQ to discuss the CFPB's evolving views on FinTech innovation.
- [Ep 16: Fighting Fraud with Knowledge Graphs](https://informediq.com/podcast/ep-16-fighting-fraud-with-knowledge-graphs/)
- [Ep 15: What we've learned from Lenders](https://informediq.com/podcast/ep-15-what-weve-learned-from-lenders/)
- [Ep 14: The CFPB Data Proposal and What It Means for Auto Lenders](https://informediq.com/podcast/ep-14-the-cfpb-data-proposal-and-what-it-means-for-auto-lenders/)
- [Ep 13: Women of Informed](https://informediq.com/podcast/ep-13-women-of-informed/)
- [Ep 12: LLMs and the Importance of Model Governance](https://informediq.com/podcast/ep-12-llms-and-the-importance-of-model-governance/)
- [Ep 11: Trends in Digital Retail Solutions](https://informediq.com/podcast/ep-11-digital-retail-solutions-trends-and-how-compliance-can-keep-up/)
- [Ep 10: Regulators Are Discussing the Risks of AI](https://informediq.com/podcast/ep-10-regulators-are-discussing-the-risks-of-ai/)
- [Ep 9: Auto Finance Regulatory Landscape with LCT](https://informediq.com/podcast/ep-9-auto-finance-regulatory-landscape-with-lct/)
- [Ep 8: Using AI to Fight Fraud](https://informediq.com/podcast/ep-8-informed-fights-fraud/)
- [Ep 7: Non-Documentary Validation](https://informediq.com/podcast/ep-7-non-documentary-validation/)
- [Ep 6: Dealer Rewards](https://informediq.com/podcast/ep-6-dealer-rewards/)
- [Ep 5: OCR: What It Is And What It's Not](https://informediq.com/podcast/ep-5-ocr-what-it-is-and-what-its-not/)
- [Ep 4: Security and Risk of Generative AI](https://informediq.com/podcast/ep-4-security-and-risk-of-generative-ai/)
- [Ep 3: Demystifying AI](https://informediq.com/podcast/ep-3-demystifying-ai/)
- [Ep 2: Bias and AI](https://informediq.com/podcast/bias-and-ai/)

## Categories

- [Unsorted](https://informediq.com/category/unsorted/)
- [Newsroom](https://informediq.com/category/newsroom/)
- [Blog](https://informediq.com/category/blog/)
- [Press Release (Pages)](https://informediq.com/category/press-release-pages/)
- [Videos (Pages)](https://informediq.com/category/videos/)
- [Webinars (Pages)](https://informediq.com/category/webinars/)
- [Newsletter Archive](https://informediq.com/category/newsletter-archive/): Collection of Informed.IQ’s Informed Intelligence newsletters

## Tags

- [Engineering Excerpts](https://informediq.com/tag/engineering-excerpts/): Blog series on technical/engineering topics.
- [Women](https://informediq.com/tag/women/)
- [Origence](https://informediq.com/tag/origence/)
- [fraud](https://informediq.com/tag/fraud/)
- [auto lending](https://informediq.com/tag/auto-lending/)
- [income verification](https://informediq.com/tag/income-verification/)
- [funding](https://informediq.com/tag/funding/)
- [loan processing](https://informediq.com/tag/loan-processing/)
- [credit unions](https://informediq.com/tag/credit-unions/)
- [income calculations](https://informediq.com/tag/income-calculations/)
- [verifications](https://informediq.com/tag/verifications/)
- [DEI](https://informediq.com/tag/dei/)
- [diversity](https://informediq.com/tag/diversity/)
- [technology](https://informediq.com/tag/technology/)
- [ai](https://informediq.com/tag/ai/)
- [RPA](https://informediq.com/tag/rpa/)
- [OCR](https://informediq.com/tag/ocr/)
- [machine learning](https://informediq.com/tag/machine-learning/)
- [compliance](https://informediq.com/tag/compliance/)
- [income calculation](https://informediq.com/tag/income-calculation/)
- [Automation](https://informediq.com/tag/automation/)
- [income](https://informediq.com/tag/income/)
- [ROI](https://informediq.com/tag/roi/)
- [Consumer Lending](https://informediq.com/tag/consumer-lending/)
- [bias](https://informediq.com/tag/bias/)
- [artificial intelligence](https://informediq.com/tag/artificial-intelligence/)
- [regulatory](https://informediq.com/tag/regulatory/)
- [partnership](https://informediq.com/tag/partnership/)
- [conference](https://informediq.com/tag/conference/)
- [audit](https://informediq.com/tag/audit/)
- [CFPB](https://informediq.com/tag/cfpb/)
- [data](https://informediq.com/tag/data/)
- [FTC](https://informediq.com/tag/ftc/)
- [ancillary product contracts](https://informediq.com/tag/ancillary-product-contracts/)
- [CRA](https://informediq.com/tag/cra/)
- [privacy](https://informediq.com/tag/privacy/)
- [Contracts in Transit](https://informediq.com/tag/contracts-in-transit/)
- [gap](https://informediq.com/tag/gap/)
- [defect](https://informediq.com/tag/defect/)
- [risk](https://informediq.com/tag/risk/)
- [ancillary products](https://informediq.com/tag/ancillary-products/)
- [funding income](https://informediq.com/tag/funding-income/)
- [tradeshow](https://informediq.com/tag/tradeshow/)
- [CUNA](https://informediq.com/tag/cuna/)
- [Compliance Monthly](https://informediq.com/tag/compliance-monthly/): New blog series on regulatory affairs
- [fees](https://informediq.com/tag/fees/)
- [analytics](https://informediq.com/tag/analytics/)
- [automated decisioning](https://informediq.com/tag/automated-decisioning/)
- [DPA](https://informediq.com/tag/dpa/)
- [document processing automation](https://informediq.com/tag/document-processing-automation/)
- [Informed.IQ](https://informediq.com/tag/informed-iq/)
- [partnerships](https://informediq.com/tag/partnerships/)
- [ChatGPT](https://informediq.com/tag/chat-gpt/)
- [DevSecOps](https://informediq.com/tag/devsecops/)
- [AWS](https://informediq.com/tag/aws/)
- [CollectIQ](https://informediq.com/tag/collectiq/)
- [Skip the Stip](https://informediq.com/tag/skip-the-stip/)
- [Monorepo](https://informediq.com/tag/monorepo/)
- [Dealer Verify](https://informediq.com/tag/dealer-verify/)
- [Human in the Loop](https://informediq.com/tag/human-in-the-loop/)
- [HITL](https://informediq.com/tag/hitl/)
- [employment verification](https://informediq.com/tag/employment-verification/)
- [tenant verifications](https://informediq.com/tag/tenant-verifications/)
- [Informed Defender](https://informediq.com/tag/informed-defender/)
- [chatbot](https://informediq.com/tag/chatbot/)
- [VerifyIQ](https://informediq.com/tag/verifyiq/)
- [MeridianLink](https://informediq.com/tag/meridianlink/)
- [Fraud Watch](https://informediq.com/tag/fraud-watch/)
- [bank statement](https://informediq.com/tag/bank-statement/)
- [proof of income](https://informediq.com/tag/proof-of-income/)
- [paystub](https://informediq.com/tag/paystub/)
- [underwriting](https://informediq.com/tag/underwriting/)

## Podcasts

- [stAI informed](https://informediq.com/stai-informed-podcast/stai-informed/)