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  "documentTitle": "EFX+ +Barclays+Credit+Bureau+Day+Presentation+2023",
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  "authorName": "Equifax",
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  "notes": "The chart includes a dashed line representing the 2015-2019 average level of inquiries.",
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      "text": "Note: EFX mortgage market inquiry assumptions that were provided in April 2023 had the following expectations: 2H23 ~(13%) and 2023 ~(30%).",
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      "text": "2Q23 Mortgage Inquiries Down 33%",
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      "kind": "title",
      "text": "Further increases in mortgage interest rates during 3Q23",
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      "evidence": "p12 explicitly cites 'grew through 08/09 GFC', revenue mix 16%->45%; p13 quantifies the current mortgage shock.",
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