The Vega team and experts have significant experience consulting and providing expert testimony regarding consumer finance including mortgages, student loans, auto loans, lines of credit, and credit and debit cards. We have been engaged by both the leading providers of these consumer finance products as well as classes of consumers. Experts in our Consumer Finance practice include academics and industry professionals that use sophisticated models to analyze consumer behavior in both litigation and regulatory investigations.

Our team is experienced using large datasets to address issues in these engagements. Vega has state of the art capabilities to efficiently and securely manage sensitive consumer data. 

Below is a list of example engagements for our Consumer Finance practice:

Sumit Agarwal

Low Tuck Kwong Distinguished Professor of Finance and a Professor of Economics and Real Estate at the National University of Singapore

  • Consumer Finance
  • Financial Institutions
  • Real Estate
Daphne Chen

Managing Director

  • Securities & Finance
  • Consumer Finance
  • Data Science & Statistics
Ethan Cohen-Cole

Senior Advisor at Vega Economics

  • Securities & Finance
  • Data Science & Statistics
  • Financial Institutions
  • Valuation
  • Consumer Finance
  • Healthcare & Health Economics
Marco Di Maggio

Associate Professor of Business Administration, Finance Unit of Harvard Business School, Faculty Research Fellow, National Bureau of Economic Research

  • FinTech
  • Consumer Finance
  • Financial Institutions
Andra Ghent

Professor at University of Utah

  • Securities & Finance
  • Consumer Finance
  • Real Estate
Edward Morrison

Charles Evans Gerber Professor of Law at Columbia Law School

  • Bankruptcy & Insolvency
  • Valuation
  • Consumer Finance
Carlos Noton

Assistant Professor in the Center for Applied Economics at the Universidad de Chile

  • Antitrust & Competition
  • Consumer Finance
Christopher Palmer

Albert and Jeanne Clear Career Development Professor and an Assistant Professor of Finance at the MIT Sloan School of Management

  • Securities & Finance
  • Corporate Finance
  • Consumer Finance
  • Financial Institutions
Meir Statman

Glenn Klimek Professor of Finance at Leavey School of Business, Santa Clara University

  • Securities & Finance
  • Consumer Finance
February 19, 2021 | Article
Part 2: Modelling the Default of Private Student Loans

Part 2 of Vega's 3-part series on student loans presents a survey of methods for modelling student loan default. 

January 11, 2021 | Article
Part 1: Recent Trends in Private Student Loans

Part 1 of Vega's 3-part series on student loans discusses current trends in private student loans, including key statistics on originators, performance, and SLABs.

November 19, 2020 | Article
How Quantitative Easing Works: Evidence on the Refinancing Channel

Two Vega experts recently published a study in the Review of Economic Studies providing insight into quantitative easing and household spending during the most recent recession, which may be relevant to the current economic climate following the COVID-19 shutdowns.

June 3, 2019 | News
Second Chance: Life without Student Debt

Dr. Di Maggio's new study offers insight into what happens when borrowers' student loan debt is cancelled, concluding that cancelling student loans frees up borrowers to make decisions that improve their financial lives.