AFSA’s State Government Affairs team submitted a comment letter to the Colorado Department of Law, Office of the Attorney General, in response to the SB 26-189 proposed rules implementing the Colorado Automated Decision-Making Technology Act, published August 11, 2026. Building on AFSA’s July comments, AFSA asks the Department to conform the rule’s Adverse Outcome examples to the statute’s own definitions, to […]

Yields on 10-year U.S. Treasury bonds continued to march higher in early September. Rates topped 4.9 percent as of September 10, the highest since 2023. Meanwhile, the 30-year Treasury yield climbed to a multi-decade high of 5.3 percent.  This has taken place even as monetary policymakers have held the line on changes to the short-term […]

On September 8 the IRS’ long-awaited regulations on the car loan interest deduction were published in the Federal Register. Since the enactment of legislation establishing this new tax deduction, AFSA has been front and center. In consultation with our vehicle finance company members, we collected questions and suggestions to share with the Treasury Department and the […]

AFSA’s State Government Affairs September white paper looks at the state legislative landscape on disparate impact liability in lending. As federal agencies pull back on disparate impact enforcement, states such as Illinois and New Jersey have moved to preserve or strengthen it, while similar efforts in Delaware stalled and New York reminded lenders that state fair lending law […]

A series of coordinated op-eds has recently attempted to defend for-profit debt settlement companies while opposing federal legislation to better regulate them. The pieces share similar arguments, similar attacks on AFSA, and a similar omission. None of them refutes the facts. AFSA responded in the American Banker and revisited those facts. Among them: The settlement […]

The House Financial Services Committee met this week for a hearing titled “Strengthening the American Economy: Promoting Growth, Opportunity, and Prosperity.” Members discussed the economic effect of pro-growth policies and regulatory reforms, as well as how these measures can help address broader affordability challenges, and H.R. 7866, the “American Lending Fairness Act” (ALFA). Before the […]

September 17, 2026 at 2:00 p.m. ET GAP and loan overpayment refunds have become one of auto finance’s most scrutinized processes—and the responsibility has shifted. What was once handled by dealers now falls to lenders, putting refund accuracy, timing, and documentation directly in the spotlight for regulators and customers alike. In this session, leading corporate […]

AFSA has compiled and sent member comments to the House Financial Services Committee, which solicited feedback on its draft legislation, the CFPB Reform Act of 2026. While there have been recent, positive changes at the Consumer Financial Protection Bureau, the Committee is seeking to make some of the changes more permanent and less likely to […]

On one of our latest episodes of the AFSA Extra Credit Podcast, Celia Winslow, President and CEO of AFSA sits down with the oldest and youngest generation of the family business at 1st Franklin Financial. While both go by Ben Cheek, one is a recent graduate of Auburn University and the newest generation of Cheek serving as […]

Last week, AFSA’s SGA team attended the American Association of Residential Mortgage Regulators (AARMR) Conference in Bellevue, Washington. The team participates in this conference each year to track emerging mortgage policy and regulatory developments, while also building and strengthening relationships with state regulators. These connections are particularly valuable because many of these regulators also oversee […]