A blog on Financial Services Lending and Leasing Technology. Executive-level weekly insights on U.S. retail lending, equipment leasing, AI software, regulations, and fintech talent trends – 2025.”
Weekly Retail Lending & Leasing Intelligence: November 14–20, 2025 | Global Lending Insights
Weekly Retail Lending & Leasing Intelligence
November 14–20, 2025 | U.S.-Centric. AI-Enhanced. Executive-Level Insight.
This week’s intelligence briefing delivers actionable regulatory analysis, quantified market momentum, enterprise-grade AI software evaluations, senior talent benchmarks, and high-ROI financing structures—all calibrated for C-suite and senior origination, risk, and technology leaders in retail lending and equipment leasing. Key focus: Easing Fed standards and surging digital platforms amid global market expansion.
CFPB Proposes Removal of Disparate Impact from ECOA Enforcement (Nov 14)
Aligns with Trump executive order; targets "unintentional" discriminatory impacts in lending practices.
Limits Special Purpose Credit Programs (SPCPs) by prohibiting race, sex, or national origin criteria for for-profit lenders.
Impact: Reduces enforcement exposure for neutral policies; ~25% fewer disparate impact claims projected for 2026.
Action Item: Audit marketing materials for "discouragement" risks; revise SPCP eligibility to focus on economic criteria.
Section 1071 Grace Period Extension Confirmed (Nov 13)
Full exemption for lenders <100 originations/year until 2028; narrowed to loans ≥$500K for initial reporting.
Portfolio Effect: Eases burden for 70% of community banks; data quality improvements expected to boost fair lending audits.
California Commercial Tenant Protection Act (Jan 1, 2026): Extends residential-style eviction controls and rent caps to qualified small business tenants—critical for retail leasing compliance in West Coast portfolios.
Compliance Automation: Real-time RBI/ECOA checks; reduces errors by 85% in origination.
Scalability: Handles microfinance to SME volumes; ideal for NBFCs eyeing 11.5% India loan growth in 2025.
HES LoanBox (End-to-End Automation)
Full lifecycle management across devices; AI-driven underwriting cuts approval time by 40%.
Embedded green finance modules for ESG-compliant leasing; supports ASC 842/IFRS 16 with 75% audit efficiency gains.
Emerging Trend: 72% of U.S. lenders piloting AI conversational assistants for collections—projected +22% recovery rates; blockchain integration in 45% of new platforms for secure cross-border lending.
Senior Talent & Compensation Benchmarks
Role
Base Range
Total Cash
Remote Eligibility
SVP, Digital Lending Operations
$240K–$310K
↑ to $480K
Full
Head of AI Risk & Compliance
$200K–$265K
↑ to $380K
Hybrid
VP, Embedded Finance Platforms
$180K–$230K
↑ to $340K
Full
Market Note: 1,353+ fintech openings in NY alone; AI/blockchain expertise yields 20% premium amid 61% headcount growth at top firms.
Weekly Retail Lending & Leasing Intelligence: November 7–13, 2025 | Global Lending Insights
Weekly Retail Lending & Leasing Intelligence
November 7–13, 2025 | U.S.-Centric. AI-Enhanced. Executive-Level Insight.
This week’s intelligence briefing delivers actionable regulatory analysis, quantified market momentum, enterprise-grade AI software evaluations, senior talent benchmarks, and high-ROI financing structures—all calibrated for C-suite and senior origination, risk, and technology leaders in retail lending and equipment leasing.
Initial data collection limited to business loans, lines of credit, and credit cards ≥ $500,000.
Smaller lenders (< 100 originations/year) receive full reporting exemption through 2028.
Impact: Reduces operational burden by ~68% for community banks; comment period closes Q1 2026.
Action Item: Reassess HMDA-like data pipelines; prioritize API integrations with core systems.
TILA Small-Loan Exemption Threshold Rises to $71,900 (Jan 1, 2026)
Applies to closed-end consumer loans; triggers enhanced disclosure and ability-to-repay rules above threshold.
Portfolio Effect: ~12% of sub-$70K retail installment contracts shift into exempt status.
FDIC Examination Manual Update (Nov 7): Heightened focus on third-party oversight and UDAAP in digital lending channels. Expect expanded MRAs in 2026 exams.
Highest since May 2023; signals robust capex demand
Q3 New Business Volume
+$18.3B
↑ 8.6% YoY
Driven by transportation & IT equipment
Fed Senior Loan Officer Survey
+14%
Net easing
First positive reading in 3 years
CRE Delinquency Rate (Regional Banks)
1.8%
↓ 20 bps
Retail-anchored properties < 1%
Global Headwind: European bank equity sell-off (-6.2% MTD) on rising NPL fears may increase U.S. parent funding costs by 15–25 bps in Q1 2026.
Technology & Software: Enterprise AI Solutions
ABLE Platform v4.2 (Origination & Risk)
AI Decision Engine: 400+ alternative data signals; 94.2% approval accuracy in back-testing.
ASC 842 / IFRS 16 Module: Auto-classification + residual value forecasting; reduces audit adjustments by 72%.
Integration: Native REST APIs with nCino, Temenos, and FIS core systems.
Finastra Fusion Lease
End-to-end lease lifecycle; 30% reduction in closing cycle via smart contracts.
Embedded compliance engine flags 100% of state-specific usury violations in real time.
Emerging Trend: 68% of top-50 U.S. lessors now pilot ICA (Intelligent Conversational Assistants) for collections—average recovery lift: +19% within 90 days.
