这几年，还不上钱的美国人越来越多。美国家庭债务飙到18万亿美元，逾期率创下十年新高，催收需求被硬生生推上风口。 在国外，银行催收依旧停留在人工拨号、纸质记录的年代，效率低、成本高、合规风险还大。 在此背景下，一个只有16人的初创公司Salient杀了出来。它用多语言AI催收Agent，把债务回收率拉高了22%，还帮客户一年省下1200万美元 合规支出。 上线不到18个月，Salient就做到年收入1400万美元。前不久，它又完成了6000万美元融资，由a16z领投，经纬创投、Michael Ovitz和YC跟投， 投后估值冲到3.5亿美元（约合人民币25亿元）。 今天，乌鸦君就来聊聊这家用AI重写贷款服务行业的公司。 01 传统催收效率低，培训成本又高。催收员要花数十甚至上百小时学习法规，打电话时平均拨3~5个才能接通一个，接通后还要层层核实身份、确认欠款， 流程冗长又低效。 催收太激进，又容易被消费者保护局重罚。美国法律对借款人保护极严，催收需遵守隐私、沟通频率、破产保护等一系列规定，这大幅推高了银行的合规 成本。 AI催债，16个人干了1个亿收入 这几年大放水，美国的家庭债务一路走高。 根据最新统计，20 ...

Core Viewpoint - A class action lawsuit has been filed against Open Lending Corporation (NASDAQ: LPRO) on behalf of investors who acquired its securities between February 24, 2022, and March 31, 2025, alleging that the company misled investors regarding its business prospects [1][2]. Allegations - The complaint alleges that Open Lending misrepresented the capabilities of its risk-based pricing models [2]. - It is claimed that the company issued materially misleading statements about its profit share revenue [2]. - The lawsuit states that Open Lending failed to disclose that its 2021 and 2022 vintage loans had significantly decreased in value compared to their outstanding loan balances [2]. - Additionally, the company allegedly misrepresented the underperformance of its 2023 and 2024 vintage loans [2]. - The complaint further asserts that these misrepresentations led to a decline in the company's stock [2]. Next Steps for Shareholders - Shareholders may be eligible to participate in the class action against Open Lending Corporation and can contact Robbins LLP if they wish to serve as lead plaintiff [3]. - It is noted that shareholders do not need to participate in the case to be eligible for recovery and can remain absent class members if they choose [3]. About Robbins LLP - Robbins LLP is recognized as a leader in shareholder rights litigation, dedicated to helping shareholders recover losses and improve corporate governance since 2002 [4].

Core Viewpoint - A class action lawsuit has been filed against Open Lending Corporation for allegedly misleading investors about its business prospects and financial performance [1][2]. Allegations - The lawsuit claims that Open Lending misrepresented the capabilities of its risk-based pricing models [2] - It is alleged that the company issued materially misleading statements regarding its profit share revenue [2] - The complaint states that Open Lending failed to disclose that its 2021 and 2022 vintage loans had significantly decreased in value compared to their outstanding loan balances [2] - Additionally, the company is accused of misrepresenting the underperformance of its 2023 and 2024 vintage loans [2] - The stock of Open Lending reportedly declined as a result of these misrepresentations [2] Next Steps for Shareholders - Shareholders may be eligible to participate in the class action against Open Lending Corporation [3] - Those interested in serving as lead plaintiff should contact Robbins LLP, as the lead plaintiff represents other class members in the litigation [3] - Shareholders can choose to remain absent from the case while still being eligible for recovery [3]

Mr. Cooper Group (COOP -1.03%) released its first-quarter earnings report before market open Wednesday, and this set the tone for its stock throughout the session. Since the company missed dramatically on both the top and bottom lines the shares ended up closing down by more than 1% in value. That compared most unfavorably to the almost 2% increase of the benchmark S&P 500 index. A pair of wide misses In Mr. Cooper's inaugural quarter of the year, revenue totaled $560 million, quite some distance down from ...