For a lot of lending teams, Form 4506-C can feel like an old-school step that slows files down. Borrowers dislike paperwork, loan officers dislike rework, and processors dislike the suspense of waiting on transcripts. But here is the reality in 2026. If you are selling into
In a competitive lending environment, speed matters. Accuracy matters more. Income misrepresentation remains one of the most common and expensive forms of applicant fraud across consumer, mortgage, and small business lending. What makes it tricky is that many files look clean at first glance. The
Borrowing is rarely a happy calendar invite. It usually arrives as urgency, stress, or opportunity, and the borrower has one simple goal: get to a clear answer without feeling foolish, exposed, or trapped. That’s why lending experience is no longer a nice-to-have. It is a conversion
The student loan landscape has undergone another significant change, affecting not just borrowers but also lenders and financial institutions. On November 21, 2025, the U.S. Department of Education updated its guidance on income-driven repayment plans, marking a pivotal shift in how millions of Americans will
