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Consumer credit is a core engine of economic growth but delivering it at scale increasingly requires integrated platforms spanning origination, servicing, securitization, and permanent capital. In a higher-rate, liquidity-sensitive environment, this session examines how capital markets are evolving to fund the American consumer. Panelists will discuss how funding models shape credit access, risk management, and capital efficiency, and where durable, risk-adjusted income can be generated across consumer finance platforms.