AFSA’s latest State Government Affairs white paper examines how consumer complaint data is collected and reported across states, highlighting significant inconsistencies in availability, categorization, and transparency that limit meaningful trend analysis. It provides a high-level snapshot of commonly reported complaint categories—such as auto-related issues, credit and debt concerns, and fraud. This paper, along with SGA’s other white papers, […]

A new post on the Federal Reserve Bank of New York’s Liberty Street Economics blog acknowledges an old idea: usury limits, otherwise known as interest rate caps, don’t work. The piece provides some interesting historical background on usury regulations, noting that “their recent resurgence on the consumer side was triggered by payday lenders’ entry into the […]

“Industry Expertise” is sponsored content produced by AFSA’s Business Partners’ to provide thought leadership and best practices for AFSA member companies. For more information about this sponsored content opportunity, contact Dan Bucherer. Bank partnerships have become central to how consumer finance companies grow and compete. Branded credit cards, buy-now-pay-later products, rate exportation arrangements, and full-scale Banking-as-a-Service […]