
BUSINESS PARTNER WEBINAR
Rethinking Auto Recoveries: The Role of Secured Debt Sales in Today’s Market
March 26, 2026 at 2:00 p.m. ET
As auto lenders navigate rising delinquencies, evolving consumer expectations, and increased regulatory scrutiny, debt sales are becoming a more important—yet often misunderstood—part of the expanding recovery toolkit.
In this AFSA webinar, Ryan Bell, President of Midland Credit Management, and Lou DiPalma, Managing Partner at Garnet Capital Advisors, will provide a practical, end‑to‑end look at how auto debt sales work in today’s market. Moderated by Andrew Richmond, Sr. Director of Business Development at Midland Credit Management, the discussion will provide foundational knowledge of this recovery approach, cut through common misconceptions and focus on real‑world considerations for lenders.
Attendees will gain insight into how lenders evaluate the common hold‑versus‑sell decision, what the auto debt sales process actually looks like in practice, and how thoughtful portfolio sales can support liquidity, risk management, and consumer‑focused outcomes—without compromising compliance or brand values.
Participants will walk away with a clearer understanding of:
- How auto debt sales fit alongside internal collections and other recovery strategies
- Key steps in the auto debt sales process, from portfolio evaluation to post‑sale oversight
- Common myths about selling auto debt—and how they differ from reality
- How market conditions and emerging trends are shaping auto recoveries going forward
Speakers:
Ryan Bell, President, Midland Credit Management
Lou DiPalma, Managing Partner, Garnet Capital Advisors
Andrew Richmond, Sr. Director, Business Development, Midland Credit Management

BUSINESS PARTNER WEBINAR
Rethinking Auto Recoveries: The Role of Secured Debt Sales in Today’s Market
March 26, 2026 at 2:00 p.m. ET
As auto lenders navigate rising delinquencies, evolving consumer expectations, and increased regulatory… Read the rest
On February 24, AFSA staff testified at an IRS Public Hearing on regulations implementing the new tax deduction for vehicle finance interest. This tax deduction was enacted as part of the “One Big Beautiful Bill” in July 2025. Since that time,… Read the rest
On March 2, AFSA submitted comments on an information request from the CFPB regarding its Consumer Response Intake Form. The CFPB routinely requests for comments on this information request, and AFSA takes the opportunity to share our observations… Read the rest
Last week, AFSA joined several with other financial trade groups to send a
letter to the Senate Commerce and House Energy and Commerce Committees highlighting our growing concern about the questionable practices in the debt settlement industry.
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BUSINESS PARTNER WEBINAR
TRUST, BUT VERIFY: WHY TITLE & LIEN VALIDATION IS THE MISSING LINK IN LENDER FRAUD PREVENTION
APRIL 9, 2026 AT 2:00 P.M. ET
Lenders today verify income, identity, employment, and even driver’s licenses — yet the… Read the rest
March is Women’s History Month, when we celebrate the women who’ve shaped our industry, as well as our communities and our country.
- Abigail Adams is credited with being the first woman investor. In addition to making
…
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AFSA applauds the House Financial Services Committee for holding a hearing on Thursday, March 5, titled “Fighting Fraud on the Front Lines: Challenges and Opportunities for Financial Institutions.” This hearing is an opportunity for financial… Read the rest
With concern about vehicle loan delinquencies and repossessions at a high level in some corners of Capitol Hill, the latest edition of the Federal Reserve Bank of New York’s Household Debt and Credit Report sheds some new light on the state … Read the rest
Last week, AFSA’s State Government Affairs team submitted a comment letter in support for WV SB 702.
SB 702 is an important step toward modernizing West Virginia’s consumer credit laws by replacing an outdated tiered rate structure… Read the rest
U.S. Sens. Sheldon Whitehouse (D-RI), Elizabeth Warren (D-MA), Jack Reed (D-RI), and Jeff Merkeley (D-OR) introduced legislationthat would grant states the ability to limit consumer loan interest rates. The Empowering States’ … Read the rest