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American Financial Services Association

Protecting access to consumer credit & choice since 1916.

Protecting access to consumer credit & choice since 1916.

Events

AFSA Leadership Development Program

Aug 9 - Aug 16, 2025
Paul J. Rizzo Conference Center | Chapel Hill, North Carolina

2025 AFSA Annual Meeting

Oct 26 - Oct 29, 2025
Salamander Hotel | Washington DC

2026 Vehicle Finance Conference & Expo

Feb 1 - Feb 3, 2026
Bellagio Las Vegas | Las Vegas, NV

Blog

LISTEN | F&I Refund Complexities
Jul 16, 2025

In this episode of the AFSA Extra Credit Podcast, host Dan Bucherer chats with Stephen McDaniel, CEO of F&I Sentinel, about a critical question: why do so many F&I product refund solutions fail? Stephen and Dan explore the complexities of the refund process and the real-world consequences for lenders who don’t get it right. They […]

FDIC Withdraws ILC Rule
Jul 15, 2025

The FDIC unanimously voted today (July 15) to withdraw its Parent Companies of Industrial Banks and Industrial Loan Companies (ILC) proposed rule issued in August 2024. As drafted, the proposed rule discouraged future applications and targeted many existing ILCs that provide an essential source of capital for small businesses and consumers, including helping to fill financial gaps in underserved […]

Fending Off the “True Lender” Doctrine
Jul 11, 2025

AFSA’s State Government Affairs recently released its July white paper that examines growing concerns about the “true lender” doctrine and state efforts to curb evasion of interest rate caps through bank-fintech partnerships. While banks can legally export interest rates under federal law, some states argue that non-bank partners effectively act as lenders and are using these partnerships to bypass state usury laws. In response, several states […]

Consumer Lending by the Numbers

13.7 MILLION consumers hold a traditional installment loan
Consumers
13.7
million
consumers hold a traditional installment loan
82 MILLION consumers in the PRIME VALUE or better risk tier
Credit Card
6.5
million
consumers in the prime or better risk tier
$1,500 average installment agreement amount
Handshake
$1,500
average installment agreement amount
2.3 MILLION new auto loans each month
Car
2.3
million
new auto loans each month

Resources for Members

AFSA Track
AFSA Track

AFSA Track

AFSA’s comprehensive web-based monitoring system provides legislative and regulatory tracking in all 50 states and the federal government, accessible every day of the year.
Communications
Publications

Publications

Interested in receiving AFSA publications like Capital Notes, News You Need, meeting details, and webinar/podcast announcements? Create a user account today!
Business Partner Resource Guide
Resource Guide

Resource Guide

AFSA's Business Partner Resource Guide helps you find products and services provided by AFSA Business Partners to improve your business results.
Coronavirus
AFSA Training

Coronavirus

AFSA has assembled a number of resources to help members as they navigate the COVID-19 coronavirus and continue to assist their communities. Click to read more.

Resources for Consumers

AWARE
MoneySkill
AFSA Education Foundation
AFSA Education Foundation