Affordability and creditworthiness are two key factors – really the two key factors – that determine whether Americans can get access to the credit they need. Unfortunately, rate caps have made affordable credit, especially those who have a challenging credit report, far more difficult to get in many locations.
In this episode of the Extra Credit Podcast, Dan Bucherer chats with Spencer Slade of PTS Financial Services about both of these factors and how lenders need to adapt to continue to reach their customers. PTS offers a vairety of different products that help lenders and consumers alike, like GAP protection, auto club memberships and tax services.
Listen wherever you get podcasts or on the Extra Credit Podcast page.
Don’t forget to follow AFSA on Twitter @AFSA_DC and @AFSA_SGA and on Linkedin. The blog at afsaonline.org is also a great resource for the most up-to-date news.
LISTEN | Creditworthiness & Affordability
Mar 13, 2023
Affordability and creditworthiness are two key factors – really the two key factors – that determine whether Americans can get access to the credit they need. Unfortunately, rate caps have made affordable credit, especially… Read the rest
LISTEN | Marguerite Watanabe on Influences & Knowing Your Value
Mar 10, 2023
AFSA is celebrating Women’s History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features Marguerite Watanabe, President,… Read the rest
Himpler on the Hill
Mar 09, 2023
AFSA CEO Bill Himpler testified this morning before the House Financial Services Subcommittee on Subcommittee on Financial Institutions and Monetary Policy about the Consumer Financial Protection Bureau’s (CFPB) refusal to operate … Read the rest
The State of State AG Action
Mar 09, 2023
AFSA’s breakout sessions always put attendees in the know and on the inside track. Join Jason Dunn, former U.S. Attorney, former Colorado Deputy Attorney General, now a Brownstein Hyatt Farber Schreck Shareholder for a “State… Read the rest
Disparities in Indirect Auto Loans
Mar 08, 2023
Recent research by economist Jonathan Lanning, formerly of the Consumer Financial Protection Bureau (CFPB) and currently with the Federal Reserve Bank of Chicago, documents racial and ethnic disparities in indirect auto loans.
Using … Read the rest
Celebrating International Women’s Day
Mar 08, 2023
Today is International Women’s Day, when the global community comes together to celebrate women and serve as a focal point in bringing attention to important issues, such as gender equality.
It is also a great time to highlight what … Read the rest
LISTEN | Industry Icons: Kristen Miller
Mar 07, 2023
AFSA is celebrating Women’s History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features Kristin Miller, SVP, General Counsel… Read the rest
Debt Collection Focus of March White Paper
Mar 03, 2023
AFSA’s State Government Affairs team published it’s March white paper focusing on debt collection. With debt collection top of mind for millions of Americans, states and consumer activists are increasingly prioritizing … Read the rest
Coalition Letter: FTC Lacks Authority on Non-Competes
Mar 02, 2023
AFSA joined a coalition of other organizations opposing a Federal Trade Commission (FTC) proposed rule imposing a nationwide ban on almost all noncompete clauses. If finalized, the rule would nullify millions of such contracts. Courts,… Read the rest
NV Secretary of State Cisco Aguilar to Keynote Independents Conference
Mar 01, 2023
AFSA is pleased to announce that Nevada Secretary of State, Hon. Cisco Aguilar will speak at the 2023 Independents Conference & Expo!
Aguilar was elected in 2022, confirming his rising star in state and national politics, while bringing… Read the rest