Financial Services FLA Friendly

**Description**

**Overview:** AnalyticsIQ’s Financial Services FLA friendly audiences leverage only compliant data elements to ensure your company’s audience targeting does not intentionally discriminate against portions of the population under fair lending laws.

**Use cases:** FLA friendly audiences empower financial services companies to meet guidelines and exceed goals by excluding protected class data points including age, sex, race, religion, national origin, marital status, or receipt of public assistance.

Digital can be used for personalized and targeted marketing communications by allowing marketers to optimize messaging, creative, and offer based on specific consumer characteristics, behaviors, and preferences. This facilitates better custom retention, customer acquisition, cross-sell & up-sell, and engagement rates.

Digital can be used for analytics, insights, and measurement of programmatic and advanced TV campaigns.

**Overview of data:** AnalyticsIQ’s Financial Services FLA friendly predictive categories include annual charitable contributions, income, investing, credit cards, net worth, discretionary spends across lifestyle categories, home value, and more. Population / geographic information is for USA.

**Sample fields include:**
- *RegB_CC_Airline_Ind*: This Regulation B (RegB) friendly audience contains individuals in the market for an airline credit card. AnalyticsIQ > Regulation B (Reg B) Friendly Audiences > Finance > Credit > Credit Cards > In Market > Airline Credit Card
- *IncomeIQ_Plus_RegB_250_399:* This Regulation B (RegB) friendly audience contains individuals with an annual household income between $250,000 and $399,999. AnalyticsIQ > Regulation B (Reg B) Friendly Audiences > Finance > Household Income > $250,000 - $399,999
- *InvestorIQ_Plus_RegB_St_GE4500:* This Regulation B (RegB) friendly audience contains individuals whose stock and security investments are in the top 1% of the U.S. population ($4,500,000 or greater). AnalyticsIQ > Regulation B (Reg B) Friendly Audiences > Finance > Investing > Stocks & Securities > Top 1%
- *RegB_Need_Mtg_Broker_Ind*: This Regulation B (RegB) friendly audience contains individuals that are in need of a mortgage broker. AnalyticsIQ > Regulation B (Reg B) Friendly Audiences > Finance > Mortgages & Loans > In Market for a Mortgage Broker
- *RegB_Ins_Health_Ind:* This Regulation B (RegB) friendly audience contains individuals who are in the market for health insurance. AnalyticsIQ > Regulation B (Reg B) Friendly Audiences > Insurance > In Market > Health Insurance

**Data source:** Our comprehensive Financial Services FLA friendly offering was created using our propriety data creation methodology rooted in cognitive psychology and data science. FLA friendly audiences do not rely on raw credit data only credit proxies at an aggregated geographic level.

**Frequency of updates**: Quarterly

**Note:** Data is delivered with RampIDs. Click “Request access” to contact LiveRamp, if you are not RampID enabled.