Consumer finance index correlations with consumer discretionary stocks increased to 0.72, suggesting cyclical demand links will be critical in the near-term market direction. When a home buyer applies for a mortgage, a FICO model pulls information on their file from each of the three major credit bureaus — Equifax EFX, Experian EXPGY UK:EXPN and TransUnion TRU — to come up with a credit score. Kim and Carlin discuss the strategic implications of the CFPB's reconsideration of the 1033 open banking rule, highlighting the agency's focus on consumer representatives, privacy, security, fee structures, and compliance timelines. See less - Consumer finance stocks gained momentum today, with the S&P 500 Consumer Finance Index edging up 1.6% as traders priced in stronger Q3 earnings. Analysts note rising net interest margins amid stable delinquency rates could drive double-digit EPS growth over the next 6–9 months.