12:30 p.m. – 5:00 p.m. | AFSA Registration Center is Open
1:00 p.m. – 6:00 p.m. | Law Committee
3:00 p.m. – 4:00 p.m. | Independents Section Board
4:00 p.m. – 5:00 p.m. | Business Partner Board
6:00 p.m. – 9:00 p.m. | AFSAPAC Event
7:30 a.m. – 6:00 p.m. | AFSA Registration Center is Open
8:00 a.m. – 10:30 a.m. | Independent Auto Finance Executive Group Breakfast & Meeting
Breakfast sponsored by 
9:00 a.m. – 10:00 a.m. | Leadership Development Program Steering Committee
10:00 a.m. – 11:00 a.m. | The EDGE Advisory Board
11:00 a.m. – 12:30 p.m. | AFSA Education Foundation Board Lunch & Meeting
11:15 a.m. – 3:45 p.m. | Law Committee
Lunch sponsored by 
12:00 p.m. – 1:45 p.m. | AFSA Executive Committee Lunch & Meeting
Lunch sponsored by 
2:00 p.m. – 3:30 p.m. | AFSA Board of Directors
Refreshments sponsored by 
4:00 p.m. – 5:30 p.m. | Women’s Leadership Council
Refreshments sponsored by 
6:00 p.m. – 7:00 p.m. | Welcome Reception with Exhibitors
Sponsored by 
Welcome to Fort Lauderdale and the opening of the exhibit hall. Join your friends and colleagues and kick off the 2021 conference. Enjoy the Lounge Area provided by ANICO.
7:00 p.m. – 9:00 p.m. | Welcome Dinner & AFSAPAC Auction
We’ve missed you! Kick off your 2021 AFSA Independents Conference & Expo with a delicious dinner and action-packed auction to benefit the AFSAPAC.
8:00 a.m. – 9:00 a.m. | Spouse & Guest Beach Yoga
A great opportunity to meet up with old friends and meet new ones! The class is free for guests but pre-registration is required Meet at the Giant Yellow Chair by the Pool/Beach entrance at 7:50 a.m.
8:00 a.m. – 2:30 p.m. | AFSA Registration Center
8:00 a.m. – 10:00 a.m. | State Government Affairs Committee
8:30 a.m. – 10:30 a.m. | Breakfast with Exhibitors
Sponsored by 
Good morning and welcome to the first full day of the conference – enjoy breakfast with our exhibitors.
9:30 a.m. – 10:30 a.m. | Committee Meetings
- Independent Accounting Committee
- Marketing & Communications Networking Group
- Human Resources Networking Group
10:30 a.m. – 11:00 a.m. | Opening General Session: A Fireside Chat
Sponsored by 
Join AFSA President & CEO Bill Himpler, Independents Section Chairman R.E. Everette and AFSA Chairman Tom Hudgins as they welcome everyone to the conference and discuss key issues facing the industry.
11:00 a.m. – 11:45 a.m. | Keynote Address with Charlie Gasparino
Sponsored by 
Join us to hear a keynote address with one of the most storied reporters in the nation, Charlie Gasparino, Senior Correspondent with Fox Business News.
11:45 a.m. – 12:45 p.m. | Lunch with Exhibitors
Sponsored by 
Take a break and grab some grub with our Business Partners in our Expo Hall.
12:45 p.m. – 1:30 p.m. | General Session: Capitol & State Briefing & AFSPAC Report
Sponsored by 
AFSA Senior Vice Presidents Danielle Fagre Arlowe and Celia Winslow discuss the current state of play in Washington and around the nation. AFSAPAC Chair Dan Walters reports on the PAC’s activities.
1:30 p.m. – 1:45 p.m. | Break
1:45 p.m. – 2:30 p.m. | Concurrent Breakout Sessions
Rev Up Your Results with RSM Insights
Sponsored by
Join Joe Kaczmarek, CPA National Fintech Leader and Regional Specialty and Morris Marshburn, Partner, National Leader, Specialty Finance with RSM will present the results of its annual financial performance survey for AFSA Independents and other independently held finance companies across the United States. The results will include current trends for growth, funding, leverage, profitability, income, and expenses. RSM consultants can help you identify potential areas for improved profitability for your company based on the survey results.
Risk & Reward – Know Your Consumer
Sponsored by 
This recovery will be different. Join George Shand, Senior Director, Scores & Analytics with FICO to learn what has changed and what to expect in “new” consumer. Get an update on financial inclusion, credit score trends throughout the pandemic and innovations in scoring.
2:30 p.m. – 5:30 p.m. | Fun in the Sun
Sponsored by 
Kayaks, jet skis, paddle boards, volley ball and more! Join us on the beach for some fun in the sun! Look out for the ACI Worldwide Tent.
6:00 p.m. – 7:00 p.m. | Reception with Exhibitors
Join your friends and colleagues for happy hour in the Expo Hall.
7:30 a.m. – 9:00 a.m. | Operations Networking Group Breakfast & Meeting
8:00 a.m. – 1:00 p.m. | AFSA Registration Center
8:00 a.m. – 9:00 a.m. | Breakfast with Exhibitors
Sponsored by
Welcome back – start the morning right with breakfast and networking.
9:00 a.m. – 9:45 a.m. | Concurrent Breakout Sessions
CFPB Debt Collection Rule – Compliance Considerations
Sponsored by 
Gain actionable insights with Carissa Robb, President & COO, Constant and Frank Veneziano, SVP and Senior Counsel, Robertson, Anschutz, Schneid, Crane & Partners, PLLC at this breakout for managing loans, vendors and regulatory expectations in 2021 that will keep you on the straight and narrow. As well, our experts will dissect the CFPB proposed rules and implications of the recent 11th Circuit Hunstein Decision.
Strategies for Responsible Business
Whether branded as “Environmental, Social & Governance” or “Social Responsibility,” business responsibility is no longer a “Fortune 500” concern or simply about “Climate Change.” Any industry that must account for risk or supply chain relationships, must plan to address a host of environmental and social issues that may affect not only reputations with consumers and business partners, but bottom lines. Steven Rochlin, CEO of Impact ROI is a pioneer in the ESG policy space, who shapes responsibility strategies for global financial institutions, manufacturers, and dozens of consumer-facing corporate clients, will provide a deep dive on how ESG regulations at the international, federal and state level could impact the consumer lending space, and how AFSA members can prepare for this coming wave.
10:00 a.m. – 10:45 a.m. | Concurrent Breakout Sessions
Building the New Normal: Considerations for Emergence from the Pandemic
Sponsored by
As lenders and consumers emerge from the pandemic, it is clear that predicting the attributes of the “new normal” is difficult. Consumer demand, credit characteristics, and economic conditions have all been profoundly affected, and regulators and legislators have also developed new priorities and expectations for financial institutions. Clint Ivester, VP, Sales, Experian; Lee Gilley, Partner, Bradley, and; Jonathan Kolodziej, Partner, Bradley will share their observations from the past year, as well as recommendations to help you achieve the best possible posture with respect to compliance and business readiness.
On Alert: Coping with Rapid Changes to Society, Politics, and Enforcement
Sponsored by 
Economic and political change is occurring at a rapid pace. Join this session to learn how to respond to societal changes affecting federal and state legislatures and the new enforcement-based regulatory regime. Join Michael Grimes, Director of Congressional Affairs, AFSA, Bob Niemi, CMB Senior Advisory, Bradley and Frank Salinger, Esq., Founder, Public Policy Law Practice for this engaging conversation.
10:45 a.m. – 11:15 a.m. | Refreshment Break
Sponsored by 
Just a quick break to stretch your legs and visit our exhibitors – this is your last chance so be sure to take advantage.
11:15 a.m. – 12:00 p.m. | Insights on the CFPB Task Force on Consumer Credit
Sponsored by 
In January of 2020, L. Jean Noonan, Partner with Hudson Cook was appointed to serve for one year as a member of the Consumer Financial Protection Bureau’s Taskforce on Federal Consumer Financial Law. She is also currently on the Governing Committee for the Conference on Consumer Finance Law. In this presentation, she will give attendees insights from both experiences.
12:00 p.m. – 1:00 p.m. | Champions Club Presentations & AFSAPAC Drawing
Sponsored by
Hear from the AFSA Education Foundation and recognize your colleagues during the Outstanding Employee and Outstanding Independents Awards. Then, stick around to be inspired by three-time All-American wrestler Anthony Robles. Robles won the 2010-11 NCAA wrestling championship in the 125-pound weight class despite being born with only one leg, was a recipient of ESPN’s Jimmy V Perseverance Award and is the subject of an upcoming film about his life.
1:00 p.m. – 2:30 p.m. | Champions Club Outdoor Networking Luncheon
Sponsored by
Enjoy some time with your friends and colleagues in the beautiful Gold Coast sun.
2:30 p.m. – 5:30 p.m. | Fun in the Sun
Sponsored by
Join us back on the beach for some relaxation and fun.
6:00 p.m. – 7:30 p.m. | Closing Reception
Join us outside for drinks and conversation as the Florida sun sets.
