The hottest Credit Substack posts right now

Cities like Los Angeles face housing supply issues due to low permit approvals compared to cities like Atlanta and Phoenix.
National housing market statistics can be misleading as there are extreme regional differences.
The myth of a credit bubble causing price bubbles is debunked, with evidence showing price spikes before rise in debt in housing markets.

TomoCredit, a startup backed by Morgan Stanley, is facing financial troubles and legal challenges despite its initial success claims.
Mission Lane, a subprime card startup linked to LendUp, has raised $50 million and replaced its CEO in an effort to reposition itself.
A study by the Federal Reserve reveals differences in how financially stable versus fragile households utilize buy now, pay later services, impacting the types and frequency of purchases made.

Understanding monetary plumbing is important for analyzing financial markets.
Recognizing the directional flow of liquidity in or out of the financial system is key.
Having a sense of the size and direction of monetary flows can provide valuable insight with minimal effort.

Examine the system of finance and ensure it is secure and correct
The realms of finance and politics are interconnected and cannot be separated
Our relationship with time, money, and the economy is undergoing significant changes

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The post is about March Madness in banking and credit.
There are images in the post related to the content.
The author provides links for further information and disclosures at the end of the post.

OCEN is a new credit infrastructure that could revolutionize lending in a way similar to how UPI transformed payments.
It is a protocol, not a switch, and its potential lies in the consumer products that can be built on top of it.
OCEN aims to address India's credit distribution problems by making access to credit easier for the Next Billion Users and SMEs, potentially reducing the concentration of capital.