New York City, New York -- The financial services industry is undergoing a major transformation as it adapts to the changing regulatory environment. While the changing regulatory environment poses significant challenges, the improving economic outlook augurs well for credit services companies such as The Western Union Company (NYSE: WU) and PHH Corporation (NYSE: PHH). Post-financial crisis, regulators across the world have announced new regulations for the financial services industry. These regulations have been put in place to ensure that a financial crisis like the one seen in 2008-2009 can be averted. For companies in the financial sector, the biggest challenge at the moment is to adapt to the changing regulatory environment. Several financial services companies have announced job cuts as they look to scale down their businesses and meet with regulatory requirements.

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The payment services industry has been seeing increasing competition. This has had a significant impact on Western Union Co. Last month, The Western Union Company had given weaker-than-expected outlook for 2013 due to macroeconomic challenges. The company is particularly concerned about Europe. However, the company’s CEO HikmetErsek is bullish on Western Union’s long-term potential.Our free research report onWestern Union Co.can be downloaded upon registration at 

http://www.ShinesRooms.com/WU031113.pdf  

Ersek, last month, said that while there are some near-term challenges in parts of the world, the long-term opportunities for revenue growth and margin expansion are strong.

A month back, Western Union also reported its financial results for the fourth quarter of 2012. The company reported net income of $452.3 million, or $0.73 per share, compared to $242.6 million, or $0.37 per share reported for the same period in the previous year.

Ersek stated at the time of the release of fourth quarter results that the company has a solid strategy for growth and its foundation is strong, with a valued brand, global network, and worldwide operations and expertise.

Mortgage lending activity in the U.S. has picked up in the last one year, driven by record low rates. Mortgage rates have fallen since the Federal Reserve announced a third round of quantitative easing, or QE. Under QE3, the Fed has been buying $40 billion in mortgage backed securities every month. With the Fed committed to the QE3 program, mortgage rates are expected to remain low. This should further boost mortgage lending activity and benefit PHH Corporation. PHH Corp.free research is available today at  

http://www.ShinesRooms.com/PHH031113.pdf 

In February, PHH Corp. had reported that its 2012 total retail mortgage loan closings were $45.5 billion, representing an increase of 28% over 2011. Total mortgage loan closings for 2012 rose 7% to $55.6 billion. In the fourth quarter of 2012, the company posted net income of $58 million, or $1.01 per share, compared to $46 million, or $0.81 per share reported for the same period in the previous year.

PHH Corp.’s CEO Glen A. Messina said that the company’s fourth quarter performance was a solid ending to a year in which the company made significant progress from both an operating and financing standpoint.

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