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<\/a>\u6ce81\uff1a IPO: letter from our co-founder & CEO, Dave Girouard (2020), https:\/\/info.upstart.com\/ipo-letter<\/a>.
\n<\/a>\u6ce82\uff1aExamining the use of alternative data in underwriting and credit scoring to expand access to credit (2019), US Government Publishing Office, https:\/\/www.congress.gov\/116\/chrg\/CHRG-116hhrg40160\/CHRG-116hhrg40160.pdf<\/a>.
\n<\/a>\u6ce83\uff1aEuropean Commission (2021), The Proposal for a Directive of the European Parliament and of the Council on Consumer Credits, European Commission Brussels COM(2021) 347 final.
\n<\/a>\u6ce84\uff1aRajan, U. and Xiong Y., (2025), Data Regulation in Credit Markets,
\nAvailable at: https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=5064460<\/a><\/p>\n

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