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Consumer Credit Industry Recognizes Tennessee Exec

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Patrick St. Charles, III, President & CEO of Chattanooga, Tennessee-based Citizens Savings & Loan Corporation, received the Outstanding Independent Award last week during the American Financial Services Association’s (AFSA) 2018 Independents Conference & Exposition in Ft. Lauderdale, Fla.

The Outstanding Independent Award is given to an individual who has contributed significantly to the success of the financial services industry and the AFSA Independents Section through active involvement and participation in the community and the association. The award was presented by John W. Holden, Chairman, Pioneer/Mariner Group in Cleveland, Tennessee, the 1995 Outstanding Independent Award recipient.

St. Charles was elected to the Citizen’s Board in 1979, appointed Treasurer in 1992, CEO in 2003 and President in 2009. Citizens has been a member of AFSA since 1972. He has been actively involved in AFSA and the Independents Section for 25 years and currently serves on the AFSA Executive Committee and Board of Directors. He is also a strong supporter of the AFSAPAC and served on the Independents Section Board from 2011-2014.

In 2015, St. Charles testified for AFSA in front of the Bureau of Consumer Financial Protection and the Small Business Administration. He explained how the bureau’s small-dollar rule would hurt traditional installment lenders, particularly smaller lenders, and their customers.

St. Charles is also very involved at the state level. He is a member of the Tennessee Consumer Finance Association, serving as President in 2014.

Consumer Credit Industry Recognizes Tennessee Exec
Apr 30, 2018

Patrick St. Charles, III, President & CEO of Chattanooga, Tennessee-based Citizens Savings & Loan Corporation, received the Outstanding Independent Award last week during the American Financial Services Association’sRead the rest

See How Lenders are Improving Collections in 2018
Apr 30, 2018

The world of collections is constantly evolving, with disruptions in the market happening by the day. Driven by advances in everything from payment apps to eCommerce experiences, consumers today are accustomed to paying for goods and servicesRead the rest

Parscale’s Digital Savvy Paved the Way For Trump’s Road to the White House
Apr 27, 2018

Several years ago, Brad Parscale found himself faced with the biggest challenge of his marketing and advertising career: get Donald Trump elected president.

Little did he realize that he would become Trump’s secret weapon and engineer… Read the rest

Changes to the AFSA Board of Directors Leadership
Apr 24, 2018

At its April 24 AFSA Board of Directors meeting, the board unanimously approved the election of Josh Johnson, President & CEO of Mariner Finance, LLC, as the Chairman-Elect of the Board to succeed Ginger Herring, President &… Read the rest

Senate takes first step in disapproving CFPB vehicle finance guidance
Apr 19, 2018

The Senate yesterday approved S.J. Res. 57 by a 51-47 vote. The vote on the resolution, under the Congressional Review Act (CRA), disapproves of the Consumer Financial Protection Bureau’s (CFPB) 2013 vehicle finance guidance.

“The… Read the rest

AFSA Comments on Illinois Legislation Affecting Vehicle Titles
Apr 19, 2018

On April 19, AFSA’s National Title Solutions Forum (NTSF) submitted a comment letter to the Illinois Senate Transportation Committee in opposition to Senate Bill 2470, which would make changes to the titling and lien release processes… Read the rest

AFSA Applauds Senate Passage of S.J. Res 57
Apr 18, 2018

WASHINGTON, APRIL 18, 2018 – Today, the Senate approved S.J. Res 57 by a 51-47 vote. The vote on the resolution, under the Congressional Review Act (CRA), disapproves of the Consumer Financial Protection Bureau’s (CFPB) 2013… Read the rest

Webinar Focuses on Importance of Compliance Vigilance
Apr 18, 2018

On Wednesday, Compli presented “Regulatory Alphabet Soup: As the CFPB evolves, who is watching lenders now?” as part of the AFSA Business Partner Webinar Program. The main takeaway from the webinar: regardless of the changes… Read the rest

MoneySKILL® + savvy teacher, students = clean sweep
Apr 17, 2018

This year’s MoneySKILL® Mania financial literacy competition, taking place in high schools across western New York, equaled a clean sweep for Fredonia High School.

Kevin Seybold finished first among nearly 1,000 studentsRead the rest

AFSA Supports Initiative to Rescind CFPB Guidance on Auto Financing
Apr 12, 2018

The American Financial Services Association (AFSA) is joining with the National Automobile Dealers Association (NADA) and other sister trade associations in supporting S.J. Resolution 57 to disapprove the Consumer Financial Protection… Read the rest

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