Open Banking in 2026: What Has Actually Changed for Everyday Borrowers
The CFPB's Section 1033 rule now gives 100M+ U.S. borrowers access to faster approvals and income-based rates. Here's what that means for your next loan.
Tag credit access
Fintech Lending Alternatives for Borrowers Who Keep Getting Rejected by Banks
Nearly 21% of credit applicants get denied by banks — platforms like Upstart, LendingClub, and Avant approve borrowers from 580 and decide in under 24 hours.
How Stay-at-Home Parents Are Using Fintech Platforms to Access Credit in Their Own Name
Fintech platforms now approve over 34% of non-employed applicants—stay-at-home parents included—by counting spousal transfers and household income as qualifying income.