General Information & Client Services
  • Americas: +1.212.553.1653
  • Asia: +852.3551.3077
  • China: +86.10.6319.6580
  • EMEA: +44.20.7772.5454
  • Japan: +81.3.5408.4100
Media Relations
  • New York: +1.212.553.0376
  • London: +44.20.7772.5456
  • Hong Kong: +852.3758.1350
  • Tokyo: +813.5408.4110
  • Sydney: +61.2.9270.8141
  • Mexico City: +001.888.779.5833
  • Buenos Aires: +0800.666.3506
  • São Paulo: +0800.891.2518

Join Moody’s Analytics Scott Hoyt and Deniz Tudor, as they discuss the current and anticipated trends in household credit conditions based on data from Equifax

Key topics include:
• Effect of the economy on credit conditions
• Shifting drivers of consumer spending
• Analysis of individual lending lines

PRESENTERS
Scott Hoyt, Senior Director
Scott Hoyt, PhD is a Senior Director with Moody’s Analytics, responsible for the firm’s consumer forecasts and analysis.

Deniz Tudor, Director
Deniz Tudor, PhD, is a Director with Moody’s Analytics specializing in U.S. consumer credit trends and the development of custom and industry-based econometric credit loss models.

Related Insights

CreditForecast.com: U.S. Consumer Credit Outlook

Join Moody’s Analytics Scott Hoyt and Deniz Tudor, as they discuss the current and anticipated trends in household credit conditions based on data from Equifax and forecasts from Moody's Analytics

August 15, 2018 WebPage Scott Hoyt, Dr. Deniz Tudor
Presentation

CreditForecast.com: U.S. Consumer Credit Outlook

Moody's Analytics subject matter experts Scott Hoyt and Deniz Tudor discuss the current and anticipated trends in household credit conditions based on data from Equifax and forecasts from Moody's Analytics.

August 2018 Pdf Scott Hoyt, Dr. Deniz Tudor
Webinar-on-Demand

CreditForecast.com: U.S. Consumer Credit Outlook

Moody’s Analytics subject matter experts Scott Hoyt and Deniz Tudor discuss the current and anticipated trends in household credit conditions based on data from Equifax and forecasts from Moody's Analytics.

August 2018 WebPage Scott Hoyt, Dr. Deniz Tudor

CECL for Consumer Credit Portfolios: Modeling Best Practices

In this webinar, our economists and consumer credit analyst will share insight on techniques and best practices for modeling allowances for CECL.

August 02, 2018 WebPage Dr. Cristian deRitisDr. Deniz Tudor

CECL Impact Analysis for Consumer Lending Portfolios

Through case studies of mortgage and auto portfolios, our experts explore the potential impact of CECL on industry wide reserves and factors that will affect results at the institution level.

May 16, 2018 WebPage Dr. Cristian deRitisDr. Deniz Tudor
Webinar-on-Demand

CECL Impact Analysis for Consumer Lending Portfolios

With the emergence of CECL, many lenders have been worried about how the forward-looking approach would affect their reserves and future loan originations.

May 2018 WebPage Moody's Analytics, Dr. Deniz Tudor

CreditForecast.com: U.S. Consumer Credit Outlook

Join Moody’s Analytics Scott Hoyt and Deniz Tudor, as they discuss the current and anticipated trends in household credit conditions based on data from Equifax

February 28, 2018 WebPage Scott Hoyt, Dr. Deniz Tudor
Whitepaper

How Much Will CECL Impact Reserves for First Mortgage Portfolios?

In this article, we narrow the task of quantifying the overall impact of adopting CECL to the impact on first mortgage portfolios, as this line of business constitutes the biggest portion of consumer credit.

February 2018 Pdf Dr. Deniz Tudor
Webinar-on-Demand

Weighing the Wealth Effect

In this webinar, Mark Zandi and the Moody's Analytics team discuss the impact of the wealth effect on economic expansion and quantify econometric estimates based on data from Visa and Equifax.

December 2017 WebPage Scott Hoyt, Brian Poi, Mark Zandi
Presentation

Leveraging Industry Data for CECL Compliance Presentation Slides

In this presentation, Irina Korablev, Senior Director and Deniz Tudor, Director will discuss various tools that can capture economic, loan-level, and cohort-level data across several asset classes, which can be used for forecasting credit losses and benchmarking internal models.

August 2017 Pdf Dr. Deniz Tudor, Irina Korablev
Webinar-on-Demand

Leveraging Industry Data for CECL Compliance

In this webinar, Irina Korablev, Senior Director and Deniz Tudor, Director will discuss various tools that can capture economic, loan-level, and cohort-level data across several asset classes, which can be used for forecasting credit losses and benchmarking internal models.

August 2017 WebPage Dr. Deniz Tudor, Irina Korablev
Article

Reconsidering Risk Management, Governance, and Stress Testing

This article discusses areas such as capital stress testing where simplification of regulations could improve the flow of credit while protecting the financial system.

July 2017 WebPage Dr. Deniz Tudor
Article

CECL's Implications for Bank Profitability, System Stability, and Economic Growth

In this article, we analyze the potential effects of upcoming CECL regulations on lenders and explore the impact of CECL under different Moody’s Analytics scenarios.

November 2016 WebPage Dr. Cristian deRitisDr. Deniz Tudor

CECL's Implications for Bank Profitability, System Stability, and Economic Growth

In this article, we analyze the potential effects of upcoming CECL regulations on lenders and explore the impact of CECL under different Moody's Analytics scenarios. A poorly timed transition could lead to a market-wide liquidity shortage or a crisis in economic activity. We provide suggestions on how the transition to CECL can be managed smoothly for minimal economic impact.

Solution Page

Expected Consumer Credit Losses (ECCL) Service

Moody’s Analytics delivers net present value (NPV) of forecasts with scenarios for consumer credit portfolios.

WebPage Dr. Deniz Tudor

CECL Solver for Moody's CreditCycle™

CECL Solver for Moody’s CreditCycle solution enables users to generate forecasts of lifetime losses through custom econometric models under the CECL standard for “reasonable and supportable” economic scenarios

WebPage Dr. Deniz Tudor