The State Government Affairs Department plays an extensive, broad-based role on behalf of AFSA members by comprehensively addressing legislative and regulatory issues on the state level. In addition to direct advocacy, where appropriate, the department monitors virtually all relevant legislation and regulations for its members, updating them on state issues via ongoing legislative reporting, enacted law reports, constant e-mail communication, and calls on priority issues. The department constantly develops issues management materials, including but not limited to talking points, issue briefs, white papers, and 50-state surveys. SGA also holds quarterly state association executive briefings; and regular in-person meetings to address our members’ highest priorities. Members can also access customized comprehensive state legislative and regulatory tracking 24 hours a day from anywhere in the world through AFSA*Track at Focus®.
2020 State Legislative Priorities
2020 State Legislative Priorities Master List
For questions or more information, contact Matt Kownacki.
MEMBERS CAN ACCESS CUSTOMIZED, COMPREHENSIVE STATE LEGISLATIVE AND REGULATORY TRACKING 24 HOURS A DAY FROM ANYWHERE IN THE WORLD THROUGH AFSA*TRACK AT FOCUS®.
CLICK HERE TO ACCESS AFSA*TRACK AT FOCUS
Direct Advocacy
Indiana Attorney General Proposed Rules re: Security Breach
October 30, 2020State Comment Letter
California Department of Business Oversight Commercial Financing Disclosure Rules
October 28, 2020State Comment Letter
Texas Office of the Consumer Credit Commissioner Precomment Draft Rule Review for Motor Vehicle Sales Finance Companies
September 24, 2020State Comment Letter
Arkansas State Collections Board Work From Home Authorization
September 23, 2020State Comment Letter
AFSA Comment on Proposed Regulations on NV SB 201-Loans
September 16, 2020State Comment Letter
Nevada SB 311 – Credit Reporting Joint Letter
September 14, 2020State Comment Letter
Ohio S .112 Opposition Testimony
September 1, 2020State Comment Letter
Oklahoma Department of Consumer Credit Work From Home Authorization
August 31, 2020State Comment Letter
Oklahoma Department of Consumer Credit Work From Home Authorization
August 31, 2020State Comment Letter
Texas Privacy Protection Council RFI Response
August 21, 2020State Comment Letter
Wisconsin Department of Financial Services Work From Home Authorization
August 21, 2020State Comment Letter
NYDFS Comment on Confidential Treatment Proposed Regulations
August 14, 2020State Comment Letter
Hawaii Division of Financial Institutions Work From Home Authorization
August 13, 2020State Comment Letter
North Carolina Commissioner of Banks Work From Home Authorization
August 13, 2020State Comment Letter
California AB4204/AB4213 Emergency Extension Relief Letter
August 13, 2020State Comment Letter
California AB 1436 – COVID-19 Homeowner Relief Joint Letter
August 10, 2020State Comment Letter
Georgia Department of Banking and Finance Work From Home Authorization
August 10, 2020State Comment Letter
Ohio Department of Commerce Work From Home Authorization
August 10, 2020State Comment Letter
California AB 1436 – Mortgage Relief Joint Letter
August 5, 2020State Comment Letter
New York Governor Veto Request – SB 5470
August 5, 2020State Comment Letter
District of Columbia Department of Insurance, Securities and Banking Work From Home Authorization
August 4, 2020State Comment Letter
Florida Office of Financial Regulation Work From Home Authorization
August 4, 2020State Comment Letter
Nebraska Department of Banking and Finance Work From Home Authorization
August 4, 2020State Comment Letter
New Hampshire Banking Department Work From Home Authorization
August 4, 2020State Comment Letter
North Dakota Department of Financial Institutions Work From Home Authorization
August 4, 2020State Comment Letter
Rhode Island Department of Business Regulation Work From Home Authorization
August 4, 2020State Comment Letter
Vermont Department of Financial Regulation Work From Home Authorization
August 4, 2020State Comment Letter
Wyoming Division of Banking Work From Home Authorization
August 4, 2020State Comment Letter
Colorado Attorney General Consumer Credit Unit Work From Home Authorization
July 31, 2020State Comment Letter
Massachusetts Division of Banks Work From Home Authorization
July 30, 2020State Comment Letter
Missouri Division of Finance Work From Home Authorization
July 30, 2020State Comment Letter
New Jersey Division of Banking Work From Home Authorization
July 30, 2020State Comment Letter
New York Department of Financial Services Work From Home Authorization
July 30, 2020State Comment Letter
Pennsylvania Department of Banking & Securities Work From Home Authorization
July 30, 2020State Comment Letter
Washington State Department of Financial Institutions Work From Home Authorization
July 30, 2020State Comment Letter
Alabama State Banking Department Work From Home Authorization
July 29, 2020State Comment Letter
Alaska Department of Commerce, Community, & Economic Development Work From Home Authorization
July 27, 2020State Comment Letter
Arkansas Securities Department Work From Home Authorization
July 27, 2020State Comment Letter
Iowa Division of Banks Work From Home Authorization
July 27, 2020State Comment Letter
Michigan Department of Insurance and Financial Services Work From Home Authorization
July 27, 2020State Comment Letter
Montana Division of Banking & Financial Institutions Work From Home Authorization
July 27, 2020State Comment Letter
Tennessee Department of Financial Institutions Work From Home Authorization Joint Letter
July 27, 2020State Comment Letter
Delaware Office of the State Bank Commissioner Work From Home Authorization Joint Letter
July 24, 2020State Comment Letter
Mississippi Department of Banking and Consumer Finance Work From Home Authorization
July 24, 2020State Comment Letter
Oregon Division of Financial Regulation Work From Home Authorization
July 23, 2020State Comment Letter
New Mexico Financial Institutions Division Work From Home Authorization
July 23, 2020State Comment Letter
Texas Office of the Consumer Credit Administrator Vehicle Finance Rule Review Precomments
July 23, 2020State Comment Letter
New York AB 10118 – Floorplan Lending
July 23, 2020State Comment Letter
Nevada Financial Institutions Division Work From Home Authorization
July 22, 2020State Comment Letter
Nevada Mortgage Lending Division Work From Home Authorization
July 22, 2020State Comment Letter
New York SB 5470 – Floorplan Lending
July 21, 2020State Comment Letter
Minnesota Financial Institutions Division Work From Home Authorization
July 20, 2020State Comment Letter
Maryland Commissioner of Financial Regulation Work From Home Authorization Joint Letter
July 17, 2020State Comment Letter
NMLS Ombudsman Meeting Agenda Request
July 16, 2020State Comment Letter
District of Columbia B23-0776 / Act A23-023-0332 – Negative Credit Information
July 16, 2020State Comment Letter
Indiana Department of Financial Institutions Work From Home Authorization
July 13, 2020State Comment Letter
Illinois Department of Financial and Professional Regulation Work From Home Authorization
July 9, 2020State Comment Letter
Idaho Department of Finance Work From Home Authorization
July 8, 2020State Comment Letter
California Department of Business Oversight Work From Home Authorization Joint Letter
July 8, 2020State Comment Letter
South Carolina Consumer Financial Division Work From Home Authorization
July 6, 2020State Comment Letter
South Carolina Department of Consumer Affairs Work From Home Authorization
July 3, 2020State Comment Letter
Virginia Bureau of Financial Institutions Work From Home Authorization Joint Letter
July 2, 2020State Comment Letter
Connecticut Department of Banking Work From Home Authorization
July 1, 2020State Comment Letter
West Virginia Division of Financial Institutions Work From Home Authorization
July 1, 2020State Comment Letter
Kansas Office of the State Bank Commissioner Work From Home Authorization
June 25, 2020State Comment Letter
Louisiana Office of Financial Institutions Work From Home Authorization
June 25, 2020State Comment Letter
Maine Bureau of Consumer Credit Protection Work From Home Authorization
June 25, 2020State Comment Letter
South Dakota Division of Banking Work From Home Authorization
June 25, 2020State Comment Letter
Texas Department of Savings & Mortgage Lending Work From Home Authorization
June 25, 2020State Comment Letter
Texas Office of Consumer Credit Commissioner Work From Home Authorization
June 25, 2020State Comment Letter
Joint Comment Letter – DC Credit Reporting Bill Amendments
June 9, 2020State Comment Letter
Illinois Executive Order 2020-16 – Vehicle Repossession
May 29, 2020State Comment Letter
Arizona Department of Financial Institutions Work From Home Authorization
May 28, 2020State Comment Letter
North Carolina HB 1067 – Debt Settlement Companies
May 28, 2020State Comment Letter
Joint Comment Letter – California AB 2501 – COVID-19 Mortgage Relief
May 27, 2020State Comment Letter
Missouri HB 1963 – Vehicle Titles
May 27, 2020State Comment Letter
Joint Comment Letter – California AB 2524 – Debt Settlement
May 22, 2020State Comment Letter
New York SB 8118-B – Credit Reporting
May 20, 2020State Comment Letter
Michigan Executive Order 20-77 – Repossession Restrictions
May 18, 2020State Comment Letter
California AB 2501 Testimony- COVID-19 Consumer Relief
May 18, 2020State Comment Letter
Joint Comment Letter – California AB 2501 – COVID-19 Consumer Relief
May 17, 2020State Comment Letter
District of Columbia B23-0751 – Credit Reporting
May 15, 2020State Comment Letter
California AB 2501 – COVID-19 Consumer Relief
May 14, 2020State Comment Letter
Joint Comment Letter – California AB 2501 – COVID-19 Vehicle Finance Relief
May 14, 2020State Comment Letter
Joint Comment Letter – California AB 2501 – COVID-19 Mortgage Relief
May 14, 2020State Comment Letter
New Mexico Financial Institutions Division Memo re: Curbside Services
May 7, 2020State Comment Letter
Springfield Missouri Short-Term Loan Establishment Ordinance
May 7, 2020State Comment Letter
New Jersey AB 3908 Testimony – COVID-19 Financial Protection
May 7, 2020State Comment Letter
New Jersey SB 2330 Testimony – COVID-19 Financial Protection
May 7, 2020State Comment Letter
New Jersey AB 3908 – COVID-19 Financial Protection
May 1, 2020State Comment Letter
Los Angeles City Council Motion 20-0418 – Safer at Home Debt Collection
May 1, 2020State Comment Letter
New Mexico Public Regulation Commission – Repossessions
April 29, 2020State Comment Letter
Massachusetts Division of Banks Request for Information
April 24, 2020State Comment Letter
Alaska SB 241 / Chapter 10 – Vehicle Repossessions
April 23, 2020State Comment Letter
Massachusetts HD 5014 – COVID-19 Emergency Financial Protections
April 21, 2020State Comment Letter
District of Columbia B23-0733/Act A23-0286 – Vehicle Repossessions
April 17, 2020State Comment Letter
American Association of Motor Vehicle Administrators Best Practices Joint Comment Letter
April 17, 2020State Comment Letter
New Jersey SB 2330 – COVID-19 Financial Security for Consumers Act
April 15, 2020State Comment Letter
Massachusetts Attorney General Emergency Debt Collection Regulations – Vehicle Repossessions
April 8, 2020State Comment Letter
Maryland Governor Executive Order 20-04-03-01 – Vehicle Repossessions
April 8, 2020State Comment Letter
Rhode Island Governor Stay at Home Order
April 7, 2020State Comment Letter
New Mexico Non-Bank Loan Servicing
April 7, 2020State Comment Letter
New Mexico Safe and Affordable Credit Access and Servicing During the Coronavirus Pandemic
April 6, 2020State Comment Letter
South Dakota Division of Banking COVID-19 Information Request
April 2, 2020State Comment Letter
Illinois Governor Executive Order 2020-16 – Vehicle Repossessions
April 1, 2020State Comment Letter
Kansas Governor Stay at Home Order
March 31, 2020State Comment Letter
Texas Governor Stay at Home Order
March 24, 2020State Comment Letter
Dallas County Stay at Home Order
March 24, 2020State Comment Letter
New Mexico Stay at Home Order
March 24, 2020State Comment Letter
Michigan Department of Insurance and Financial Services Licensee Survey
March 19, 2020State Comment Letter
New York Department of Financial Services Coronavirus Guidance
March 13, 2020State Comment Letter
Washington SB 6281 – Washington Privacy Act joint comment letter
March 11, 2020State Comment Letter
Liberty, MO Ordinance 11182 – Lending Establishment Zoning
March 4, 2020State Comment Letter
Maryland HB 655 – Indirect Vehicle Financing
March 4, 2020State Comment Letter
Massachusetts HB 2 – Real Time Sales Tax Remittance Joint Comment Letter
March 2, 2020State Comment Letter
Ohio SB 112 Testimony – Debt Settlement Companies
February 26, 2020State Comment Letter
California ELT Regulations
February 25, 2020State Comment Letter
California Consumer Privacy Act revised proposed regulations
February 25, 2020State Comment Letter
Tennessee HB 1182 – Debt Settlement Companies
January 10, 2020State Comment Letter
California Consumer Privacy Act proposed regulations
December 6, 2019State Comment Letter
Alabama Bureau of Loans Proposed Rule 155-2-2-.12 – Non-Filing Insurance
November 4, 2019State Comment Letter
Texas Attorney General Opinion Request RQ-0300-KP – Credit Service Organizations
October 29, 2019State Comment Letter
Massachusetts SB 554 – Licensing
September 11, 2019State Comment Letter
New York SB 4019 – Vehicle Leasing
September 4, 2019State Comment Letter
Nevada SB 311 – Credit Reporting
August 26, 2019State Comment Letter
California SB 639 – Financing Healthcare Services
August 21, 2019State Comment Letter
New York AB 2078/SB 4019 – Vehicle Leasing
June 20, 2019State Comment Letter
Massachusetts HB 220 – Licensing
May 10, 2019State Comment Letter
Nevada SB 201 – Lending Database
May 10, 2019State Comment Letter
New Jersey SB 2262 – Floorplan Financing
May 9, 2019State Comment Letter
Nevada AB 477 Testimony – Post-Default Interest
May 8, 2019State Comment Letter
Nevada AB 477 – Post-Default Interest
April 30, 2019State Comment Letter
Nevada AB 360 – Traditional Installment Lending
April 11, 2019State Comment Letter
Florida SB 772 – Lien Fraud
March 25, 2019State Comment Letter
Nevada SB 201 – Lending Database
March 19, 2019State Comment Letter
Florida HB 347 – Notification Requirements for Tow Companies
March 15, 2019State Comment Letter
Maryland HB 1127 Testimony – Vehicle Finance Disclosures
March 13, 2019State Comment Letter
Maryland SB 786 Testimony – Vehicle Finance Disclosures
March 13, 2019State Comment Letter
California Consumer Privacy Act Rulemaking
March 8, 2019State Comment Letter
Ohio Division of Financial Institutions proposed revisions to rules under General Loan Law
March 8, 2019State Comment Letter
Florida HB 431 – Lien Fraud
February 11, 2019State Comment Letter
California Department of Business Oversight proposed rules for commercial financing disclosures
January 22, 2019State Comment Letter
Ohio HB 182 – Debt Adjusters
November 30, 2018State Comment Letter
New York SB 2484 -Payment Assurance Devices
October 1, 2018State Comment Letter
Connecticut HB 5490 – Demographic Data Acquisition
August 31, 2018State Comment Letter
Massachusetts H 4806 – Security Breaches
July 30, 2018State Comment Letter
California SB 1235 – Floorplan financing
June 25, 2018State Comment Letter
Arizona SB 1091 – Real-time sales tax collection
May 15, 2018State Comment Letter
Massachusetts Division of Banks small loan license for negative equity
May 15, 2018State Comment Letter
Illinois SB 2470 – Vehicle titles
April 19, 2018State Comment Letter
Illinois SB 2521 – Payment assurance devices
April 10, 2018State Comment Letter
Ohio HB 123 – Minimum duration requirement for installment loans
March 1, 2018State Comment Letter
New York City Proposed rules related to secondhand automobile dealers
February 28, 2018State Comment Letter
South Carolina Draft Guidance re third party payment processing fees
January 26, 2018State Comment Letter
Texas OCCC Proposed Rules for Motor Vehicle Recordkeeping
January 16, 2018State Comment Letter
Texas OCCC Precomment Proposed Rules for Motor Vehicle Recordkeeping
November 29, 2017State Comment Letter
West Virginia AG Efforts Against Identity Theft
June 13, 2017State Comment Letter
California AB 1305 Sales and use taxes
May 8, 2017State Comment Letter
South Carolina review of ancillary product declaratory ruling
April 28, 2017State Comment Letter
Iowa Proposed Rate Band update
April 19, 2017State Comment Letter
Colorado Rules for Innovative Motor Vehicle Tax Credit
March 29, 2017State Comment Letter
Vermont dr req 17-1176 Vermont Auto Repossession Act
March 16, 2017State Comment Letter
Massachusetts proposed amendments to the Rules of Civil Procedure regarding credit card debts
February 28, 2017State Comment Letter
Georgia HB 327 Ad valorem tax on motor vehicles
February 22, 2017State Comment Letter
Georgia SB 198 Live checks
February 22, 2017State Comment Letter
Nebraska LB 384 Interest rate for installment loans
February 6, 2017State Comment Letter
New York revised cybersecurity regulation
January 27, 2017State Comment Letter
South Dakota application of Initiated Measure 21
November 16, 2016State Comment Letter
New York proposed cybersecurity regulation Joint SIFMA letter
November 14, 2016State Comment Letter
New York proposed cybersecurity regulation
November 14, 2016State Comment Letter
Massachusetts debt collection statutory and regulatory framework
October 21, 2016State Comment Letter
Maryland review of regulations affecting sales finance licensees
October 14, 2016State Comment Letter
New Jersey AB 2495 Lease termination in the event of death
September 28, 2016State Comment Letter
Vermont Final Proposed Rule Revising Negative Equity Form
August 12, 2016State Comment Letter
Nevada Petition for Advisory Opinion on Conduct of Indirect Vehicle Finance Business Activity
July 7, 2016State Comment Letter
Vermont SB 155 Automatic License Plate Recognition Systems
April 7, 2016State Comment Letter
Texas Proposed Amendments to Rules for Motor Vehicle Retail Installment Sales
April 4, 2016State Comment Letter
Vermont Second Version of Proposed Revisions to Negative Equity Disclosure Form
March 28, 2016State Comment Letter
California Proposed Regulations on Like-Kind Exchange Sourcing Joint Comment Letter
March 3, 2016State Comment Letter
New Mexico Proposed Amendments to Misrepresentation of Age and Condition of Motor Vehicles Rule
January 29, 2016State Comment Letter
Vermont Proposed Revisions to Negative Equity Disclosure Form
December 23, 2015State Comment Letter
Texas Proposed Amendments to Plain Language Contracts for Motor Vehicle Retail Installment Sales
September 30, 2015State Comment Letter
New York Proposed Payroll Card Regulations – Supplementary Comment Letter
August 25, 2015State Comment Letter
Massachusetts Division of Banks Regulation Review
August 21, 2015State Comment Letter
Texas Draft Amendments to Plain Language Contracts for Motor Vehicle Retail Installment Sales
August 10, 2015State Comment Letter
New York Proposed Payroll Card Regulations
July 8, 2015State Comment Letter
CSBS Proposed Prudential Regulatory Standards for Non-Bank Mortgage Servicers
June 23, 2015State Comment Letter
New York Independent Democratic Conference Subprime Auto Finance Report & Legislation
June 22, 2015State Comment Letter
Colorado HB 15-1390 Dollar Limits on Interest Rate Brackets
May 26, 2015State Comment Letter
Arkansas HB 1775 Interchange Fees
March 10, 2015State Comment Letter
Colorado HB 15-1154 Interchange Fees
February 13, 2015State Comment Letter
New Mexico HB 24 and HB 36 Thirty-Six Percent Rate Cap
January 30, 2015State Comment Letter
New York Proposed Changes to Banking Law Article IX & XI-B
September 14, 2014State Comment Letter
New York Revised Proposed Debt Collection Regulations
August 15, 2014State Comment Letter
Delaware Revised Sales Finance Company Operation & Minimum Records Regulations
July 11, 2014State Comment Letter
New York Proposed Consumer Credit Collection Court Rules
May 30, 2014State Comment Letter
Massachusetts S.2141 Automated License Plate Reader Systems
May 21, 2014State Comment Letter
Rhode Island HB 7461 Automated License Plate Reader Systems
March 24, 2014State Comment Letter
Rhode Island SB 2614 Automated License Plate Reader Systems
March 24, 2014State Comment Letter
New York A.3649 Vehicle Lienholder Notification
March 21, 2014State Comment Letter
Florida SB 32 and HB 783 Vehicle Financing with Third-Party Products
February 26, 2014State Comment Letter
New Mexico SJR 20 and HJR 10 Thirty-Six Percent Rate Cap
February 13, 2014State Comment Letter
Maryland HB 289 Automatic License Plate Recognition Systems
February 4, 2014State Comment Letter
Kansas SB 282 Access to Installment Loans
January 30, 2014State Comment Letter
MA Clarification of Revised Debt Collection Regulations
June 7, 2012State Comment Letter
MA Revised Debt Collection Regulations
March 23, 2012State Comment Letter