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    <title>Empire State Mortgage Bankers Association upcoming events</title>
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    <description>Empire State Mortgage Bankers Association upcoming events</description>
    <dc:creator>Empire State Mortgage Bankers Association</dc:creator>
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    <pubDate>Sun, 05 Apr 2026 17:55:09 GMT</pubDate>
    <lastBuildDate>Sun, 05 Apr 2026 17:55:09 GMT</lastBuildDate>
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      <pubDate>Tue, 28 Apr 2026 15:00:00 GMT</pubDate>
      <title>Beyond Fico: Live Webinar (28 Apr 2026)</title>
      <description>&lt;p&gt;&lt;a href="https://us02web.zoom.us/webinar/register/WN_PoVcXKmzSa-Ll53kyPw-sw?_gl=1*1t1omul*_gcl_au*ODQ1MzQxMzYuMTc2NzE5MzkyOC44MTIxODQ1MzAuMTc2ODU4MTg3Ni4xNzY4NTgxODc1*_ga*MjEwNzM1NTQ2OS4xNzY3MTk1MTI4*_ga_L8TBF28DDX*czE3NzMyNTExMzEkbzEyJGcxJHQxNzczMjUxMjQ1JGo2MCRsMCRoMA..#/registration#/registration" target="_blank"&gt;&lt;img src="https://esmba.org/resources/Pictures/esmbabetterqualifiedwebinarapril2026marketingpiecerev.png" alt="" title="" border="0"&gt;&lt;/a&gt;&lt;br&gt;&lt;/p&gt;

&lt;p style="line-height: 20px;"&gt;&lt;strong&gt;&lt;font face="Aptos, sans-serif"&gt;“Beyond FICO: The Rise of VantageScore and Its Economic Impact on New York Consumers”&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;

&lt;p style="line-height: 20px;"&gt;Credit scoring impacts nearly every financial decision — from mortgage approvals to small business loans. The transition from FICO dominance to a more balanced ecosystem that includes VantageScore isn’t just about technology; it’s about economics. By broadening access and reducing bias, New York consumers gain more affordable credit, lenders see lower risk, and the economy grows stronger from the bottom up.&lt;/p&gt;

&lt;p&gt;To Sign up for this FREE &amp;amp; Informative Webinar &lt;a href="https://us02web.zoom.us/webinar/register/WN_PoVcXKmzSa-Ll53kyPw-sw?_gl=1*1t1omul*_gcl_au*ODQ1MzQxMzYuMTc2NzE5MzkyOC44MTIxODQ1MzAuMTc2ODU4MTg3Ni4xNzY4NTgxODc1*_ga*MjEwNzM1NTQ2OS4xNzY3MTk1MTI4*_ga_L8TBF28DDX*czE3NzMyNTExMzEkbzEyJGcxJHQxNzczMjUxMjQ1JGo2MCRsMCRoMA..#/registration#/registration" target="_blank"&gt;CLICK HERE&lt;/a&gt;&lt;/p&gt;</description>
      <link>https://esmba.org/event-6610195</link>
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