American Financial Services Association

2021 Annual Meeting

October 24 - 27, 2021

The Mandarin Oriental Hotel | Washington, DC

2021 Annual Meeting

Oct 24 - 27, 2021

The Mandarin Oriental Hotel | Washington, DC
The 2021 AFSA Annual Meeting is bringing attendees to our nation’s capital to share how consumer credit is creating opportunities for our customers.

Thanks for joining us! Conference Recordings are now available on the AFSA Digital Pass site.

Join Us Live in Washington
  • Explore the evolving landscape of consumer credit – from global to local – and learn what to expect in the coming months.
  • Interact with our keynote speakers, panelists, industry colleagues and policymakers.
  • Participate  in thought-provoking breakouts and roundtable discussions.
  • Network with other attendees and share best practices that increase your bottom line and enhance your customer relations.

AFSA Member Rate: $1,399.00 | Board/Committee & Networking Group members ONLY: $1,049.00

Spouse/Guest (includes all events): $699.00 | Non-Member Rate: $2,399.00


Can’t Join Us in Person?

While we expect almost 300 AFSA Members and Business Partners to gather in Washington, D.C., we know that some Members and Business Partners are still operating with travel restrictions. To meet their needs, AFSA will offer a Digital Pass for our Annual Meeting, with live access to all General and Breakout sessions.


Get the key insights and expertise you expect from an AFSA conference, with full, live access to all general and breakout sessions, and the ability to submit questions to our speakers via our digital platform or our AFSA mobile app.


Every keynote and breakout session will be streamed live on AFSA’s digital conference platform. Can’t make it live? All sessions will be recorded and available on demand

Digital Pass: Regular Attendees – $550.00 | Digital Pass: Committee Members – $450.00

Already registered for the AFSA Digital Pass? Join us online!

The Annual Meeting Digital Pass is powered by


The AFSAPAC Virtual Auction is making its return during AFSA’s Annual Meeting this October. Whether you’re attending the Annual Meeting or not, there are more than 20 items for family or yourself, including several golf trips, assorted wine, and several fashion accessories!

Feeling extra lucky? Get a golden ticket and choose a dream vacation package!

Text “Auction” to 77513 or visit AFSA.HGABID.COM for a sneak peek of the Virtual Auction webpage!

Featured Speakers

Conference Schedule

5:15 p.m. – 6:45 p.m. | AFSA Registration Center


5:30 p.m. – 6:30 p.m. | AFSA Education Foundation Board of Directors Development Committee Meeting


6:15 p.m. – 7:30 p.m. | Early Arrival Reception

Sponsored by

PDF Schedule

7:30 a.m. – 5:15 p.m. | AFSA Registration Center

Coffee Service Sponsored by

8:00 a.m. – 11:00 a.m. | Independent Auto Finance Executive Group Meeting & Breakfast

Sponsored by


8:30 a.m. – 9:30 a.m. | Leadership Development Program Steering Committee


8:30 a.m. – 5:30 p.m. | Law Committee Meeting (w/ Breakfast & Lunch)

Sponsored by


10:00 a.m. – 12:30 p.m. | AFSAEF Board Meeting & Lunch


12:00 p.m. – 1:00 p.m. | Vehicle Finance Board/Independent Auto Executive Group Joint Luncheon

Sponsored by


12:30 p.m. – 1:30 p.m. | The EDGE Advisory Board


1:00 p.m. – 3:00 p.m. | Vehicle Finance Division Board

Sponsored by

1:00 p.m. – 3:00 p.m. | Operations Committee


3:00 p.m. – 5:00 p.m. | Vehicle Commercial Credit Committee

Sponsored by

3:15 p.m. – 4:15 p.m. | Business Partner Advisory Board


3:15 p.m. – 5:00 p.m. | AFSA Executive Committee

Sponsored by

5:00 p.m. – 6:30 p.m. | Welcome Reception

Reception Sponsored by

Entertainment Sponsored by


6:00 p.m. – 8:00 p.m. | Vehicle Finance Board/Independent Auto Finance Executive Group/Vehicle Finance Commercial Credit Committee Reception & Dinner

Reception Sponsored by
Dinner Sponsored by

Wine Sponsored by

Entertainment Sponsored by

6:30 p.m. – 8:00 p.m. | Law Committee Dinner

Sponsored by

Schedule subject to change.

7:30 a.m. – 6:15 p.m. | AFSA Registration Center

Coffee Service Sponsored by

7:30 a.m. – 8:00 a.m. | Attendee Breakfast

Sponsored by

8:00 a.m. – 11:00 a.m. | Law Committee

Sponsored by

8:00 a.m. – 9:30 a.m. | Welcome to Washington & Conference Keynote Carl Cannon

Chairman Discussion Sponsored by

Carl Cannon Sponsored by

AFSA CEO Bill Himpler, AFSA Chairman Tom Hudgins and incoming AFSA Chair Jim Drotman review the year in consumer credit and the opportunities and challenges for 2022. Then, join Carl Cannon, Washington Bureau Chief of RealClearPolitics, and one of the most experienced and decorated White House correspondents of the past half-century as he shares insights on Washington politics today and sets the electoral stage for 2022 and beyond.

9:30 a.m. – 9:45 a.m. | Refreshment Break

Sponsored by

9:45 a.m. – 10:45 a.m. | AFSAPAC Update, AFSA Policy Briefing & Distinguished Service Awards

Sponsored by

Join AFSA’s Senior Vice Presidents for Federal and State Affairs, Celia Winslow and Danielle Arlowe as they discuss federal and state legislative and regulatory issues, identify policy trends and offer insights on other vexing matters of import to AFSA members. AFSAPAC Chairman Dan Walters will provide an update on the important work the PAC is doing on behalf of members in Washington. AFSA Chairman Tom Hudgins will preside over the Distinguished Service Award ceremony honoring Chuck Jones and Darcy Locke.

10:45 a.m. – 11:45 a.m. | CFPB Update

The Consumer Financial Protection Bureau (CFPB) remains focused on pressing forward with its regulatory agenda. Laura Udis, Small Dollar, Marketplace, and Installment Lending Program Manager with the CFPB will be in conversation with Celia Winslow, delivering insights on what’s ahead at a key agency for the consumer credit industry.

12:00 p.m. – 1:30 p.m. | Luncheon w/ Olympic Gold Medalist Dominque Dawes

Speaker Sponsored by

Luncheon Sponsored by

Affectionately known as “Awesome Dawesome,” Dominque Dawes was a ten-year member of the U.S. national gymnastics team, a three-time Olympian, and a member of the gold-medal-winning “Magnificent Seven” team at the 1996 Summer Olympics. Ms. Dawes has broken records and barriers throughout her career; now hear her inspiring story and insights.

1:45 p.m. – 3:15 p.m. | AFSA Board of Directors

Sponsored by

1:45 p.m. – 3:15 p.m. | Diversity & Inclusion Working Group

The D&I Working Group meeting is open to all attendees and will feature an additional, D&I-focused Q&A session with Dominique Dawes.

3:15 p.m. – 4:45 p.m. | Human Resources Networking Group


3:15 p.m. – 5:00 p.m. | Vehicle Credit Risk Committee

Sponsored by

4:00 p.m. – 5:00 p.m. | Compliance Session: Credit Reporting

Sponsored by

Credit reporting continues to be a hot topic for regulators, consumers, and creditors. We have assembled a group with different roles and perspectives on the overall credit reporting system to share their thoughts about the strengths and weaknesses of the credit reporting system, along with ideas to help make it more understandable and responsive to the needs of its complex body of stakeholders.


Philip Bohi, VP Compliance Education, AFSA (Moderator)

Francis Creighton, President & CEO, CDIA

Lisa DeLessio, Partner, Hudson Cook

David King, Senior Managing Director, Forensic & Litigation Consulting, FTI

4:00 p.m. – 6:00 p.m. | Women’s Leadership Council w/ Liz Scott

Liz Scott Sponsored by

Refreshments Sponsored by

Liz Scott is the Co-Executive Director of Alex’s Lemonade Stand Foundation which emerged from the front yard lemonade stand of her daughter, Alexandra “Alex” Scott (1996-2004). Scott will talk about her experience as ALSF continues to help tens of thousands of families, raising more than $200 million toward Alex’s dream of finding a cure.

The Honorable Kathy Kraninger, Vice President of Regulatory Affairs at Solidus Labs and former Director of the Consumer Financial Protection Bureau (CFPB) will discuss her time at the Bureau and her current role.

5:00 p.m. – 6:00 p.m. | AFSA Pulse Board


6:00 p.m. – 8:00 p.m. | Dinner Party

Annual Dinner Circle Sponsored by

 Decor Sponsored by

Open Bar Sponsored by

Entertainment Sponsored by

Schedule subject to change.

8:00 a.m. – 4:30 p.m. | AFSA Registration Center


8:00 a.m. – 9:00 a.m. | State Government Affairs Committee

Sponsored by

8:00 a.m. – 9:00 a.m. | Marketing & Communications Networking Group Meeting & Breakfast

Sponsored by


8:45 a.m. – 10:00 a.m. | AFSAEF Update & Plated Breakfast w/ Senator Tim Scott (R-SC)

Breakfast Sponsored by

Senator Tim Scott’s political career began with the Charleston County Council followed by the South Carolina House of Representatives, and the U.S. House of Representatives. He joined the U.S. Senate in 2013, where his signature Opportunity Zones legislation was passed as part of the 2017 tax reform package. He serves on the Senate Banking, Small Business, and Finance Committees, and plays a significant role in workforce development, education, and diversity issues. AFSAEF Chairman Jim Schneider will also discuss the Education Foundations recent initiatives and upcoming goals.

10:00 a.m. – 12:00 p.m. | State Government Affairs Committee

Sponsored by

10:00 a.m. – 10:45 a.m. | Education Session: Chief Compliance Officer Perspectives

Chief Compliance Officer Panel

Sponsored by

With increasing demands from regulators and growing complexity in operating a consumer finance company, a Chief Compliance Officer (CCO) in 2021 has a lot to manage.  For this panel, we are inviting CCOs from a cross-section of AFSA member companies to share their perspectives on the current environment and how they manage to keep their companies heading in the right direction.


Philip Bohi, VP Compliance Education, AFSA (Moderator)

Kelly Abernathy, Chief Compliance Officer, Heights Finance

Daniel E. Clevenger, EVP/CCO, 1st Franklin Financial Corp.

Gregg Elzey, Chief Compliance Officer, Toyota

Harvey Kirk, Chief Compliance Officer, Carolina Finance

10:45 a.m. – 11:00 a.m. | Refreshment Break


11:00 a.m. – 11:45 p.m. | Education Session: Debt Collection Panel Discussion

With new Debt Collection rules coming into force soon, debt collectors and creditors are preparing to implement a variety of new controls. Our panel will address the new regulatory expectations, prospects for imposition of the new rules on creditors based on UDAAP powers, and the specific steps they recommend to navigate the shifting landscape.


Jim Sheeran, General Counsel, Tidewater Finance (Moderator)

Sara Costanzo, Shareholder, Weltman Weinberg & Reis

Brian Johnson, Partner, Alston Bird

Jan Stieger, Executive Director, RMAi

12:00 p.m. – 1:30 p.m. | Capitol Hill Luncheon: FDIC Chairman Jelena McWilliams and Chief of Staff, Rep. Tim Ryan (D-OH)

Perspectives from the FDIC

Join FDIC Chairman Jelena McWilliams for a candid take on the role of the FDIC in the financial services sector and how policies and directives affect the industry.

Luncheon Sponsored by

Ron Grimes is the longest serving Chief of Staff on Capitol Hill. Grimes will give an overview to the process and importance of visiting with your congressmen and senators. Congressman Tim Ryan (OH-13) representing Youngstown, Warren, and Akron, Ohio. Mr. Ryan is a member of the House Committee on Appropriations where he is Chairman of the Legislative Branch Subcommittee and Vice Chairman of the Defense Subcommittee.


1:30 p.m. – 3:00 p.m. | Operations & Regulatory Compliance Committee

Sponsored by

2:00 p.m. – 5:00 p.m. | Capitol Hill Visits


3:00 p.m. – 3:15 p.m. | Break

Sponsored by

3:15 p.m. – 4:30 p.m. | Talking Shop: Compliance Roundtables

Join informal roundtable conversations with thought leaders and peers to discuss issues affecting the compliance function at consumer finance businesses and business partners.


  • Fair Lending, featuring Marshall Bell from Buckley;
  • Licensing developments, featuring Bob Niemi of Bradley;
  • Repossession management and trends, featuring Jose Mendiola of Resolvion;
  • Credit reporting, featuring Badri Sridhar of FTI Consulting; and
  • Compliance function management, featuring Jennifer Clark of Flagship Credit Acceptance.


4:30 p.m. – 6:00 p.m. | Closing Reception

Sponsored by

Schedule subject to change.

Hotel / Travel

The Mandarin Oriental
1330 Maryland Avenue, SW
Washington, DC 20024


A short walk from some of the nation’s most cherished monuments, the Mandarin Oriental, Washington, DC offers five-star luxury in the heart of the US capital.

The Mandarin Oriental is taking proactive steps to ensure guests have a safe, pleasant experience while staying, and attending events, at the hotel.


Attendees of the 2021 AFSA Annual Meeting can enjoy Deluxe Room Accommodations at the Mandarin Oriental for just $369 per night. The deadline to make a reservation is Friday, October 15th. You must register directly with the hotel, either via link or phone, in order to get AFSA’s rate.


The cost of a taxi from Reagan National (DCA) is $18-23 and from Dulles International (IAD), $85. Uber & Lyft are also readily available at all airports for comparable pricing. Private town cars start at $135 for a Sedan from DCA and $175 from Dulles. Reservations can be made by calling the Hotel Concierge at 202-787-6170.


AFSA’s partnership with Enterprise Rent-A-Car gives AFSA attendees a 10% discount on rental cars during their visit to Washington. Visit Enterprise’s dedicated AFSA rental website and use the discount code 16AH072. Parking at the Mandarin is $59 per night.


AFSA is pleased to offer the following partner discounts:

  • United Airlines: Discounts of 2% to 10% off published fares. Save an additional 3% off by booking your own reservations at, using the code ZK3T775015. Alternatively, call your travel professional or United Meetings at 800-426-1122 for reservations. When doing so, refer to the discount code above.
  • Delta Air Lines offers air travel discounts to applicable fares for this conference. Reservations and ticketing is available at or (800) 328-1111, using the code NMUUP.

If you have questions regarding the 2021 Annual Meeting, feel free to contact AFSA’s Director of Conferences, Michele Battaline, at 202-776-7302 or

Health / Safety

Health and Safety Guidance for AFSA’s Annual Meeting

Submit your Covid Vaccine/Test Attestation Form
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AFSA is excited to welcome you to Washington, DC for the 2021 AFSA Annual Meeting, and in doing so ensuring that your experience is safe, enjoyable and successful. Our goal is to provide you over the three days of meetings with the in-person, high quality informational and networking sessions you have come to expect from our conferences.

To that end – and in light of concerns regarding the Delta Covid variant – AFSA is working with the Mandarin Oriental Hotel to set the best health and safety policies for your comfort and safety for this in-person meeting.  These policies are based on those of the Government of the District of Columbia, the CDC, as well as the Mandarin Oriental Hotel.

While the policies may shift in the coming weeks, these are the steps we are taking to ensure your health and comfort at the Annual Meeting:

Prior to your arrival at the Annual Meeting:

  • All attendees are required to either be vaccinated or test negative within 72 hours of arrival. We ask that you sign an attestation form confirming either vaccination or testing, which is available here.
  • Fill out the form, save the document to your computer, and attach and upload via the email tool using the form on this page.
  • We will also send a reminder email with a link to the form a week before the Annual Meeting.

During the Annual Meeting:

  • The District of Columbia requires the use of face masks indoors for all attendees, speakers, and staff. We will be glad to provide you with a mask if you do not have one.
  • Hand sanitizing stations will be located throughout the hotel.
  • A limited touch registration process will be in place.

The Mandarin Oriental Washington, D.C. maintains the Lloyd’s Register “Safe Hotel” certification, which outlines 160 safety standards and strict cleanliness protocols. Additionally, the Hotel has developed 50+ property-specific COVID-19 procedures. They include:

  • Incorporating sanitization with hospital grade cleanser, following deep clean of all public space, guestrooms, as well as in back of house operational areas
  • Increased frequency of disinfecting those high-touch surfaces with antibacterial cleansers including front desk, lounge tables and chairs, elevator buttons, public restroom door handles, etc.
  • Hand sanitizer stations throughout public spaces and in the elevator bank of every guestroom floor.
  • Control of foot traffic through doorways including hotel lobby, breakfast room, and on banquet floor.
  • Establish maximum occupancy levels and social distancing cues in elevators.
  • New signage with health & safety reminders throughout the hotel.

You may read about additional processes and the services the hotel is offering at this time, here.



For more information, please contact Jenny Bengtson, Director, Business Partner Memberships,, or call (202) 776-7304.

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