In today's episode, we start with Plaid's new Pay by Bank for Bill Pay product, which simplifies and secures direct bank account payments for businesses, enhancing the user experience and reducing costs. The solution integrates smoothly into current payment processes and is already being used in sectors such as telecommunications. Plaid also collaborates with MoneyLion, providing lenders with better cash flow insights, enabling them to make more informed lending decisions and broaden access to financial products for underserved consumers. On the regulatory front, the CFPB is cracking down on auto-finance companies for wrongful car repossessions and deceptive charges, requiring refunds and promoting transparency in servicer practices. Discussion also touches upon rising interest rates and fees by credit card issuers in response to proposed caps on late fees, reflecting broader economic challenges. Finally, we cover the slowdown in consumer credit growth, highlighting a drop in credit card balances amid high interest rates and increased delinquency rates.