Shows / Market Pulse
Market Pulse
Market Pulse is a monthly podcast by Equifax, in partnership with Moody’s Analytics. Equifax hosts bring you interviews with industry experts on the latest economic and credit insights that can help drive better business decisions. Whether you’re in financial, mortgage, auto or another service industry, we help make sense of the latest economic conditions that impact you. This podcast series supplements our Market Pulse webinars, which occur on the first Thursday of each month.
Episodes
- Market Pulse
Holiday Spending Outlook: Are Consumers Feeling the Pinch?
Consumer spending remains resilient, but are Americans really on solid financial ground? Equifax Advisors Dave Sojka, Maria Urtubey and Jesse Hardin examine…
- Market Pulse
Shaping What’s Next in Credit Reporting
Equifax, Experian and TransUnion share where credit reporting and credit scoring go next. On this Equifax Market Pulse podcast, Joel Rickman, Michele Bodda and…
- Market Pulse
Affordability: What Consumers are Really Experiencing
Affordability is top of mind for lenders—but broad economic indicators don't always tell the full story. In this episode of Market Pulse, the Equifax Advisors…
- Market Pulse
Debt, Delinquencies & the Divided Consumer
The U.S. consumer is sending mixed signals. In this episode of Market Pulse, the Equifax Advisors examine the latest economic and credit trends, from…
- Market Pulse
Moody’s Economic Update: The Economy Beneath the Headlines
The U.S. economy has remained remarkably resilient, but beneath the headline numbers, consumers are experiencing very different realities. Moody’s Analytics…
- Market Pulse
How the K-Shaped Economy is Reshaping Financial Services
Consumer wealth has reached record highs—but the average American isn't experiencing that growth equally. In this episode, Tom O'Neill sits down with IXI Chief…
- Market Pulse
Combating Small Business Fraud in an AI-Powered World
Small business fraud is evolving — and fraudsters are using increasingly sophisticated tactics, from synthetic identities to AI-generated documents and digital…
- Market Pulse
What the Equifax Market Pulse Index Reveals About the U.S. Consumer
What does the Equifax Market Pulse Index reveal about the true financial health of American consumers? Equifax Advisors Emmaline Aliff, Jesse Hardin and Tom…
- Market Pulse
Understanding the K-Shaped Economy in 2026
The Equifax Advisory team breaks down the realities behind today’s “K-shaped” economy—from rising consumer debt and delinquencies to lending risk and shifting…
- Market Pulse
Auto Market Trends: Affordability, EVs & What’s Next
Emmaline Aliff sits down with Cox Automotive Chief Economist Jeremy Robb to unpack the forces reshaping today’s auto market—from affordability pressures and…
- Market Pulse
TriMerge vs. Single Credit Reports: What’s at Stake?
The mortgage industry is debating whether to move away from the long-standing TriMerge credit reporting standard. Wendy Hannah-Olson of Equifax speaks with…
- Market Pulse
A Lender’s Case for VantageScore
Ashley Sellers of Equifax sits down with Jordan Sullivan, Director of Retail Lending at CSL Financial, to explore how modern credit scoring is reshaping…
- Market Pulse
What’s Next for Mortgage Lending, with Freddie Mac
Jennifer Henry of Equifax sits down with Christina Randolph of Freddie Mac to discuss how lenders can drive efficiency, improve data quality, and build…
- Market Pulse
Navigating Through Unpredictable Lending Challenges
Emmaline Aliff of Equifax sits down with Matt Orlando, Chief Experience Officer at Informative Research, to unpack one of the most talked-about developments in…
- Market Pulse
Modernizing the Mortgage Journey: A Deeper Look
Bobby Deery sits down with Praveen Chandrahomhan, SVP of Origination Growth at Cotality, to explore how AI is reshaping mortgage lending. They discuss the rise…
- Market Pulse
Lending Unlocked: Navigating Today's Toughest Mortgage Challenges
Recorded live at MBA Annual25 in Las Vegas, this special edition of the Equifax Market Pulse explores how data, workflow automation, and AI are reshaping…
- Market Pulse
Clearing the Down Payment Hurdle: DPA’s Role in Unlocking Homeownership
Recorded live at the 2025 MBA Annual in Las Vegas, this special episode of Market Pulse explores how down payment assistance programs can help unlock…
- Market Pulse
Naughty or Nice? 2025 Economic Recap & 2026 Resolutions
In this special holiday edition, Emmaline Aliff is joined by Equifax Advisors Tom O’Neill, Dave Sojka, Jesse Hardin, and Maria Urtubey for a “Santa Scorecard”…
- Market Pulse
Driving Efficiency and Resilience in the Mortgage Industry
Jennifer Henry of Equifax sits down with Andrew Davidson, president of Andrew Davidson & Co. and a leading voice in mortgage analytics, to unpack one of the…
- Market Pulse
Credit File Contradiction: Why is Each Different?
HousingWire CEO Clayton Collins brings together an unprecedented trio — Joel Rickman (Equifax), Michele Bodda (Experian), and Satyan Merchant (TransUnion) —…
- Market Pulse
The Tech Reshaping Mortgage Lending
How are innovation, data, and AI are transforming the mortgage experience? Wendy Hannah-Olson, SVP of Digital Alliances and Strategy Execution at Equifax, sits…
- Market Pulse
The Real Cost of Credit Reports: Data, Competition & Policy Implications
Emmaline Aliff of Equifax joins Dr. Amy Crews Cutts, Chief Economist at AC Cutts & Associates, to unpack the real costs and competitive dynamics of mortgage…
- Market Pulse
Mortgage Industry Evolution: Data, Transparency, & the Future of Lending
Recorded live at MBA Annual 2025, HousingWire CEO Clayton Collins talks with Joel Rickman, SVP of Verification Services/Workforce Solutions at Equifax, and…
- Market Pulse
How Credit Score Competition Is Reshaping the Mortgage Market
At MBA Annual 2025, HousingWire CEO Clayton Collins interviewed Rikard Bandebo, Chief Strategy Officer and Chief Economist at VantageScore, about one of the…
- Market Pulse
MBA Annual25 Day 2: Tri-Bureau, Triggers & Tooling Up
Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman and guests Ashley Sellers, Elaina McFarland, and Bobby Deery break down what lenders are…
- Market Pulse
MBA Annual25 Day 1: Data, Innovation & the Future of Mortgage Lending
Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman, SVP of Experience and Partner Marketing at Equifax, sits down with Emmaline Aliff, Tom…
- Market Pulse
Market Pulse Index: A Holistic View of Consumer and Market Health
As the U.S. government shutdown delays key economic data, the Equifax Advisors team steps in with deeper insights. Host Emmaline Aliff is joined by Jesse…
- Market Pulse
What Lenders Need to Know About a Fast-Changing Regulatory Landscape
Host Jesse Hardin sits down with Stephanie Gunselman, head of Federal Government Relations at Equifax, for a wide-ranging look at how Washington is shaping the…
- Market Pulse
What’s on Lenders’ Minds in 2025? Insights from Equifax Advisors
Equifax Advisors Maria Urtubey, Emmaline Aliff, Tom O’Neill, Jesse Hardin, and Dave Sojka share what they’re hearing directly from Equifax lending customers…
- Market Pulse
Consumer Wealth Trends: What Financial Marketers Need to Know
Equifax Senior Advisor Tom O’Neill sits down with Ian Wright, Chief Strategy Officer at IXI, to unpack the shifting landscape of consumer wealth in a…
- Market Pulse
What the Latest Economic Signals Reveal About U.S. Consumers
Host Emmaline Aliff is joined by economist Amy Crews Cutts, President at AC Cutts and Associates, and a panel of Equifax experts—Maria Urtubey, Tom O'Neill…
- Market Pulse
A Midyear Check on the U.S. Economy with Moody’s Analytics
Host Olivia Voltaggio is joined by Shandor Whitcher, Economist at Moody’s Analytics, for a timely check-in on the U.S. economy. They discuss the recent shift…
- Market Pulse
How Small Businesses and Consumers are Responding to Economic Uncertainty
In this Small Business Month edition, experts from Fiserv and Equifax unpack how small businesses and consumers are responding to ongoing economic uncertainty…
- Market Pulse
A Shifting Economic Landscape: Consumer Sentiment, Tariffs, and Risk Mitigation
Equifax advisors Jesse Hardin, Dave Sojka, Tom O'Neill, and Maria Urtubey explore the disconnect between positive hard data and declining consumer sentiment…
- Market Pulse
Economic Outlook 2025: Inflation, Jobs, and Market Trends
With President Trump’s administration in full swing, we’re joined by Shandor Whitcher, economist at Moody’s Analytics, to break down key economic trends…
- Market Pulse
Navigating 2025: Key Economic Themes
The Equifax Advisory Team dives into predictions for 2025, exploring key economic themes such as tariffs, immigration reform, and the ongoing housing…
- Market Pulse
2024 in Review: Economic Insights and Predictions for 2025
The Equifax advisory team reviews the U.S. economy in 2024, discussing key developments and their implications for lenders and consumers. Jesse Hardin, Em…
- Market Pulse
Winning the Deposit Battle: Strategies for Lenders in a Competitive Market
Host Tom O'Neill sits down with Equifax’s Chief Strategy Officer, Ian Wright, to discuss strategies for growing and protecting deposits in today’s competitive…
- Market Pulse
How the Fed’s Interest Rate Cuts are Impacting Consumers and Lenders
The Risk Advisor team at Equifax discusses the recent 50 basis point rate cut by the Federal Reserve and its wide-reaching impact on the U.S. economy. Topics…
- Market Pulse
Decoding Economic Uncertainty: Fed Moves, Budget Deficits, and Global Risks
In this illuminating panel discussion, Tom Aliff, Risk Advisors Leader at Equifax, delves into key economic concerns and forecasts with economists Amy Crews…
- Market Pulse
Strategies for Managing the Surging Auto and Home Insurance Costs
Bob Homer, General Manager and VP of Insurance and Alliances at Equifax, and Stephen Crewdson, Senior Director of Global Business Intelligence at JD Power…
- Market Pulse
The Impact of Inflation on Consumer Behavior
The Equifax Risk Advisors team explores the complexities of the current economic landscape, discussing key topics such as the K-shaped recovery, inflation's…
- Market Pulse
Credit and Lending Insights for Small Business
With 93% of small business owners anticipating growth, the timing of potential Fed interest rate cuts remains a critical factor. Sarah Briscoe, lead commercial…
- Market Pulse
Q&A: Consumer Credit, Loans & Economic Trends
Our all-female panel of financial experts answer your burning questions about consumer credit, loan performance, and economic trends shaping affordability. Our…
- Market Pulse
Decoding Interest Rates and their Economic Impact
Join the Risk Advisors Group at Equifax as they discuss the current state and future trends of interest rates and their profound impact on the U.S. economy…
- Market Pulse
Automotive Insights: Trends, Fraud, and Future
Scott McMahon, alliance manager for Automotive Partnerships at Equifax, leads a panel discussion on current trends, the rising challenge of fraud in the…
- Market Pulse
How Inflation and Rising Delinquencies are Impacting Different Consumer Segments
We’re joined by Jeff Richardson from VantageScore to discuss how inflation is impacting households. We dig into factors contributing to rising delinquencies…
- Market Pulse
A Day in the Life of a Risk Professional
The Equifax Risk Advisory practice explores various aspects of risk management, from evaluating and mitigating risks to implementing strategies that align with…
- Market Pulse
Navigating the Affordability Landscape Post Holiday Season
Host Dave Sojka and the Equifax Risk Advisors team delve into the intricacies of affordability in the current economic landscape. The discussion covers a range…
- Market Pulse
Economic Themes Shaping This Year and 2024
Did economic predictions for this year pan out? And what themes will dominate 2024? Join our Risk Advisory team as they assess how the economic outlook has…
- Market Pulse
Effects of Consumer Stress on Holiday Spending
In part three of the Consumer Stress series from the Equifax Risk Advisory team, our experts discuss the impact of the economic and credit environment on…
- Market Pulse
2024 Economic Outlook & Recommendations for Navigating the Economy
David Fieldhouse, Director of Consumer Credit Analytics at Moody's Analytics, provides his economic outlook for 2024. Discussing critical factors shaping the…
- Market Pulse
How Lenders Can Use Data to Reveal Credit and Financial Stresses
Lenders can use targeted consumer data to drive daily decision making. The Equifax Risk Advisory panel of experts discuss how to dig beyond the macroeconomic…
- Market Pulse
What Lenders Need to Know About Consumer Stress
Consumers are increasingly facing credit and financial stress. Our panel of Equifax experts including Tom O’Neill, Tom Aliff, Dave Sojka and Jesse Hardin…
- Market Pulse
Higher Education: A Data-driven Approach to Proving ROI and Putting Students First
Colleges and universities are facing declining enrollment rates, mounting regulatory pressure, the resumption of student loan payments, the reversal of…
- Market Pulse
How Lenders Can Find the Hidden Risk in their Portfolio
In this time of economic uncertainty, it’s important that lenders focus on account management strategies to detect hidden risk in their portfolios. In this…
- Market Pulse
Financial Industry: Assessing Risk as Federal Student Loan Payments Resume
After a three-year pause, borrowers must resume their federal student loan payments in October. In this episode, the Equifax Risk Advisory group discusses how…
- Market Pulse
SoFi: How Fintechs are Navigating Economic Headwinds
How are fintechs managing economic headwinds and credit tightening? We talk with Ratinder Bedi, Chief Credit Officer at SoFi, about how his company is managing…
- Market Pulse
Understanding Market Dynamics in the Current Mortgage Environment
The mortgage industry is facing high mortgage rates, low housing supply, and a tightening of mortgage credit availability. What does this all mean for the…
- Market Pulse
Moody's Economic Update: Possible Challenges Ahead, Reasons for Hope
Leading economic indicators are flashing red for the second half of 2023, but David Fieldhouse, Director of Consumer Credit Analytics at Moody's Analytics…