Recently there has been one area of Consumer Financial Protection Bureau (CFPB) reform that has gained support from Republicans and Democrats in Congress, as well as the CFPB Director himself: ensuring the confidentiality of privileged information that financial institutions provide to the bureau. Current law ensures that when a financial institution turns over documents containing information covered by the attorney-client privilege to a specific list of regulators — the Federal Reserve, the Federal Deposit Insurance Corp. or the Office of the Comptroller of the Currency — its right to privilege will not be waived. This guarantees that the confidential information will not be viewed by third parties, including other regulators, who could use it to mount a legal case. However, the law that created the CFPB failed to add the bureau to the list of regulators exempted from privilege. In March, the CFPB announced a proposed rule to formalize protections for privileged information provided to the bureau, whether it is from banks or non-banks. The proposal also seeks to clarify that the transfer of privileged information to other Federal or state regulators does not waive the financial institution’s right to privilege. Congress has also been active on the issue. This spring the House unanimously approved legislation (H.R. 4014) to legally ensure that privilege is not waived for documents submitted to the CFPB. Similar legislation has been introduced in the Senate and is likely to be brought to the floor soon. Photo: Shutterstock
We recently announced the availability of PowerCurve, our new decision management software portfolio, which helps organisations manage and grow their portfolios by improving the way they use information to make customer decisions. PowerCurve builds on more than 30 years of experience that Experian has providing organizations across the globe with expert decisioning tools. It is equipped with some of the most advanced decision analytics capabilities in the market today. Advanced strategy and customer management As a flexible decision management technology platform, PowerCurve offers a unified set of software products that make the process of creating, implementing and improving customer decisions simpler, more efficient and more user-friendly. The first two PowerCurve software products — PowerCurve Strategy Management and PowerCurve Customer Management — are available today. PowerCurve Strategy Management enables organisations to quickly and easily develop and deliver customer acquisition, portfolio and debt management decisions. It gives business users the ability to easily design, test, execute, and continuously improve decision strategies. The software uses advanced analytics to help users transform data into knowledge of the potential revenue and risk associated with each and every customer interaction. PowerCurve Customer Management allows businesses to improve the profitability of customer relationships by optimising cross-sell and up-sell offers, improving loyalty and managing risk. The software creates a comprehensive view of each customer relationship across an organisation’s business and product lines, to more accurately quantify each customer’s potential lifetime value, and drive actions to develop and nurture it. Clients can choose to install the software within their own IT environments, integrating the capabilities they need in order to manage costs and leverage their existing software investments. Alternatively, PowerCurve can support delivery of Experian’s analytics and decisions in a secure, hosted environment within the Experian firewall at one of its state-of-the-art data centers around the world. Download our free whitepaper to learn more about PowerCurve.
For those of you who did not attend Experian’s Vision Conference this week, you may have missed an opportunity to learn how to drive profitable growth by leveraging the PowerCurve software to make accurate, analytics-based decisions quickly, efficiently and repeatedly to acquire, manage and grow your customer relationships. However, it’s not too late for you to catch up. The first two PowerCurve software products you need to know about — PowerCurve Strategy Management and PowerCurve Customer Management — are available today. And offer some of the most advanced decision analytics capabilities in the market today. Here's a brief overview of each product: PowerCurve Strategy Management — enables organizations to quickly and easily develop and deliver customer acquisition, portfolio and debt management decisions. It does this by giving business users the ability to easily design, test, execute and continuously improve decision strategies. The software makes it almost effortless for users to harness the power of data and transform it, using advanced analytics, into knowledge of the potential revenue and risk associated with each and every customer interaction. PowerCurve Customer Management — allows businesses to create highly profitable customer relationships by optimizing cross-sell and up-sell offers, improving loyalty and managing risk. The software accomplishes this by creating a comprehensive view of each customer relationship, across an organization’s business and product lines, to more accurately quantify each customer’s potential lifetime value and drive actions to develop and nurture it. To learn more about PowerCurve, go to www.experian.com/powercurve. Also, make sure you attend Experian Vision next year, so you don’t miss these growth opportunities going forward.
Experian’s groundbreaking generative AI-powered tool, Experian Assistant, has earned the prestigious 2025 BIG Innovation Award in the Products for Financial Services category. This recognition underscores Experian’s commitment to pushing the boundaries of innovation by helping businesses achieve success and enhancing consumer experiences. The BIG Innovation Awards, celebrated since 2011, honor organizations and solutions that redefine excellence through creativity and measurable impact. Experian Assistant was recognized for transforming how financial institutions approach data and analytics, enabling faster, smarter decision-making that enhances customer experiences and operational efficiency. Redefining Financial Services Integrated with the Experian Ascend Platform™, Experian Assistant functions as a 24/7 data expert, enabling financial institutions to optimize their credit and fraud models with ease. Using natural language processing (NLP), the virtual assistant guides users providing insights, recommendations and coding assistance. The impact is transformative: Experian Assistant cuts model-development timelines from months to just days— and even hours in some cases. By helping users analyze credit and fraud data, adjust model attributes and streamline workflows, it empowers organizations to innovate faster and make data-driven decisions with confidence. Powered by agentic AI technology, Experian Assistant reimagines how data scientists and analysts approach their work. It accelerates insights, fosters collaboration and empowers businesses to deliver exceptional customer experiences while reducing the time and resources needed to bring new initiatives to market. Driving Results Across Industries While tailored for financial services, Experian Assistant’s capabilities extend across industries. Businesses can leverage its tools for data exploration, model deployment, performance monitoring and faster time-to-market for new offerings. With Experian Assistant, users gain a powerful edge in scoring more consumers, optimizing processes and enhancing overall customer satisfaction. Recognized Excellence The 2025 BIG Innovation Awards spotlight trailblazers evaluated on creativity, impact and results by seasoned business leaders. This accolade solidifies Experian Assistant’s position as a game-changing solution in financial services and beyond.
We are thrilled that for the sixth consecutive year, Experian has earned a score of 100 on the Human Rights Campaign Foundation’s (HRCF) 2025 Corporate Equality Index (CEI). This recognition underscores our commitment to LGBTQ+ workplace equality. We are honored to join the ranks of 765 U.S. businesses that have been awarded the HRCF’s Equality 100 Award, celebrating our leadership in fostering an inclusive workplace. Experian’s dedication to supporting the LGBTQ+ community is reflected in several key initiatives: Name Change Process: We have a process for transgender and non-binary consumers to update their names on credit reports, ensuring their identities are accurately represented. LGBTQ+ Allyship 101 Training: This new training program is available to all Experian employees, promoting allyship and understanding within our workforce. Pride ERG Parenting Committee: Launched to support parents, grandparents and guardians of LGBTQ+ individuals, this committee provides valuable resources and community. Transgender Resource Guide: This guide supports employees who are transitioning at work, offering education and resources for colleagues and managers. Partnerships: We collaborate with organizations such as Out & Equal, GenderCool, The Trevor Project and Born This Way Foundation’s Channel Kindness to provide financial health, mental health and other resources to empower both our internal and external communities. At Experian, we are proud to be part of this movement towards greater equality and inclusion. We remain dedicated to fostering a workplace where every employee feels respected, valued and empowered to bring their authentic selves to work. Learn more about how we drive social impact in English, Portuguese and Spanish.
Achieving Top Workplace recognition for 12 consecutive years is no small feat, yet Experian North America has done just that. Named a Top Workplace by the Orange County Register once again, this milestone reflects not just policies or benefits but what truly makes Experian exceptional: our people. As Hiq Lee, Chief People Officer at Experian North America, notes, this honor is a testament to the remarkable contributions of our team. Experian’s employees shape an environment where innovation, inclusivity, and purpose thrive. More Than Work What sets Experian apart is our engagement with the world and community. Through initiatives like the Experian Volunteer Leadership Network and partnerships with organizations such as the Octane Foundation for Innovation and the Hispanic Chamber of Commerce of Orange County Education Foundation, our impact extends beyond the workplace. In 2024, we earned additional recognitions, including being named one of the World’s Best Workplaces™ by Fortune and Great Place to Work®. We were also recognized as one of the Best Workplaces for Parents, Millennials, and in Technology. The Secret to Success Our success lies in focusing on people. Experian is a place where careers are built, ideas are encouraged, and employees feel valued. Initiatives such as, Employee Resource Groups foster belonging, Mental Health First Aiders provide support, and technology hackathons inspire creativity. Innovation at the Core Innovation continues to drive our success. By leveraging technologies like artificial intelligence and machine learning, we are redefining decision-making and fraud prevention. This commitment to innovation empowers businesses and consumers worldwide, aligning with our mission to promote financial inclusivity. Looking Ahead For Experian, being a Top Workplace for more than a decade isn’t a finish line—it’s a springboard. With an ongoing commitment to our employees and communities, we continue to evolve, creating better experiences for our team, clients, and the world.
