Fair Isaac (FICO) Risk Factor Changes

Economic uncertainty has and could continue to negatively affect the businesses and purchasing decisions of companies in the industries we serve.

In addition to the risk of depending on international sales, we have risks incurred in having research and development personnel located in various international locations.

•changes in tariffs and other trade barriers;

The California Consumer Privacy Act of 2018 (“CCPA”) gives California residents certain privacy rights in the collection and disclosure of their personal information and requires businesses to make certain disclosures…

•Laws and regulations relating to the environmental, social and sustainability practices of companies, including enhanced climate-related disclosure requirements from regulators, such as California’s climate disclosur…

Laws and governmental regulation affect how our business is conducted and, in some cases, subject us to the possibility of government supervision or enforcement and future lawsuits arising from our products and services.

There has also been increased focus more broadly on laws and regulations in the U.S.

There has been increased regulatory focus in the U.S.

The failure to obtain certain forms of data from our customers or others for our use in product development could harm our business.

•a company that we acquire may have experienced a security incident that it has yet to discover, investigate and remediate, may have other cybersecurity vulnerabilities, or may have unsophisticated security measures,…

•influence and respond to emerging industry standards and other technological changes, including relating to AI.

•providers of credit reports and credit scores, including consumer reporting agencies;

A significant portion of our revenues in our Scores segment is attributable to the U.S.

While we expand our sales into international markets, the risks are greater as some of these markets have experienced and may in the future experience substantial disruption and we are less well-known in them.

We also believe that much of the future growth of our business and the success of our business strategy may depend on our ability to continue to expand into newer markets for our products and services.

Our revenue growth and the success of our business strategy depend upon our ability to enhance and improve existing products and services, and to continue to introduce new products and services that keep pace with tec…

Our ability to increase our revenues depends to some extent upon introducing new products and services, upon introducing enhancements and improvements to existing products and services and upon entering new markets fo…

•the increasing availability of free or relatively inexpensive consumer credit, credit score and other information from public or commercial sources, including those that use AI technologies;

•neural network developers and artificial intelligence system builders;

Our ability to increase our revenues will depend to some extent upon introducing new products and services and upon introducing enhancements and improvements to existing products and services.

•Antitrust and unfair competition laws;

•developers and providers of neural networks, machine learning, and AI systems;

•changes in technology, including increased use of artificial intelligence (“AI”);