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AFSA in American Banker

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We appreciate the American Banker’s coverage of our exclusive Consumer Credit Conditions (C3) Index, which we release quarterly.

The C3 Index is designed to highlight the crucial role the consumer credit industry plays in the broader American economy and reflects the outlook of our participating members whose lending connects consumers with the millions of businesses they purchase from. For much of the past year, while lingering economic uncertainty and what can be best termed a “unique” marketplace with inflation, sluggish economic and job growth, our members have kept a guardedly upbeat outlook long-term.

This quarter’s survey continues to reflect that despite the challenges consumers, lenders and businesses have faced.  You can read the full summary and full survey here.

AFSA in American Banker
Dec 09, 2025

We appreciate the American Banker’s coverage of our exclusive Consumer Credit Conditions (C3) Index, which we release quarterly.

The C3 Index is designed to highlight the crucial role the consumer credit industry plays in the broader

Read the rest

A New CFPB Nomination
Nov 20, 2025

Clarity and certainty in the public policy space has long been a priority for the American Financial Services Association, which is why we appreciate the recent nomination of Stuart Levenbach to serve a five-year term as director of the Consumer… Read the rest

AFSA Urges Legislation for Debt Settlement Industry
Oct 15, 2025

Last week, AFSA wrote a letter urging the Senate Commerce and the House Energy and Commerce committees to introduce legislation to modernize national standards for  debt settlement companies (DSCs), aiming to improve transparency for… Read the rest

Fed in Focus
Sep 04, 2025

With conflicting economic data, from strong quarterly corporate financial reports in several important U.S. business sectors to jobs and inflation data that at times defies expectations, the role of the Federal Reserve remains in focus.… Read the rest

AFSA Sends Rate Caps Veto Letter
Jun 20, 2025

AFSA’s State Government Affairs team submitted a veto letter to Alaska Governor Mike Dunleavy to veto S.B. 39, a well-intentioned but deeply problematic proposal to cap the Annual Percentage Rate (APR) on loans up to $25,000. If enacted,… Read the rest

MCOA Should Be a Congressional Priority
Jun 12, 2025

AFSA today sent a request to Capitol Hill encouraging the reintroduction of the “Modernizing Credit Opportunities Act” (MCOA), which has been introduced in previous sessions but not in the current 119th Congress. This legislation… Read the rest

AFSA Supports Reconciliation
May 30, 2025

Last week, AFSA, along with other associations, signed a letter supporting the reconciliation bill in the U.S. House. This legislation builds on the 2017 Tax Cuts and Jobs Act by extending and strengthening key provisions that fuel … Read the rest

AFSA Continues to Oppose Rate Caps
May 30, 2025

Last week, AFSA, along with other associations, signed a letter to U.S. Senate leadership opposing Amendment 2239 to S. 1582, which proposes an all-in annual percentage rate (APR) cap of 10% for credit cards. While this amendment claims … Read the rest

AFSA Expresses Concerns with Oregon’s Medical Debt Bill
May 27, 2025

AFSA’s State Government Affairs team submitted a comment letter to the Oregon House Committee on Behavioral Health and Health Care regarding SB 605, a bill that would significantly amend Oregon’s existing medical debt collection statutes.… Read the rest

AFSA Supports Remote Notarization
Apr 02, 2025

This week AFSA and other financial trade groups signed on to a letter in support of H.R.1777, the “Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act.”

Introduced by Reps. Cliff Bentz (R-OR)… Read the rest

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