Hey Basis Pointers, if you missed America's most influential fintech conference last week, Robyn's got you covered with our Fintech Nexus USA 2023 Live Blog.

The state of fintech is strong despite the tough market cycle, and Robyn's live blog is a great way to get up to speed fast.

On a related note, see links below to what America's top consumer finance regulator (CFPB director Rohit Chopra) thinks of fintech and what one of the top fintech banking apps (Chime, run by Chris Britt) thinks Americans need most in banking.

Both of these leaders, and so many more, are covered in our Fintech Nexus Live Blog.

In housing, builder data this week shows 33% of homes listed for sale are in various stages of construction. This is way above the 2000-2019 norm of 12.7%, and a nice inventory offset to private sellers still reluctant to list existing homes.

Builder incentives remain strong. Here are latest stats on builder price reductions  and details on 1.68m houses and apartments currently under construction.

In tomorrow's newsletter, we'll update our home affordability calculations using today's April existing home sales, which showed median prices of $388,800.

Julian