March is Women’s History Month, when we celebrate the women who’ve shaped our industry, as well as our communities and our country.   Abigail Adams is credited with being the first woman investor. In addition to making investments with her family’s money, she ran the farm and the family finances while her husband, John, was off arguing with Alexander Hamilton.  How about Hetty Green, […]

AFSA applauds the House Financial Services Committee for holding a hearing on Thursday, March 5, titled “Fighting Fraud on the Front Lines: Challenges and Opportunities for Financial Institutions.” This hearing is an opportunity for financial institutions to present how sophisticated technologies and new techniques are negatively affecting Americans’ pocketbooks. Affordability remains a top economic concern […]

With concern about vehicle loan delinquencies and repossessions at a high level in some corners of Capitol Hill, the latest edition of the Federal Reserve Bank of New York’s Household Debt and Credit Report sheds some new light on the state of the automotive finance market. While there is data of concern, the outlook may […]

Last week, AFSA’s State Government Affairs team submitted a comment letter in support for WV SB 702.  SB 702 is an important step toward modernizing West Virginia’s consumer credit laws by replacing an outdated tiered rate structure with a clear, 36% APR cap, improving both simplicity and access to responsible credit. This reform will help more […]

U.S. Sens. Sheldon Whitehouse (D-RI), Elizabeth Warren (D-MA), Jack Reed (D-RI), and Jeff Merkeley (D-OR)  introduced legislationthat would grant states the ability to limit consumer loan interest rates. The Empowering States’ Rights to Protect Consumers Act seeks to address the 1978 Supreme Court decision Marquette National Bank of Minneapolis v. First of Omaha Service Corporation, which ruled that a national […]

AFSA continues to work on issues relating to the implementation of the 2025 vehicle finance interest tax deduction. The deduction was part of the 2025 reconciliation package, and was designed to “deliver on presidential priorities to provide new middle-class tax relief.”  The deduction for vehicle finance interest was written to provide a deduction from income […]

Needlessly burdensome and even antagonistic regulation is often cited as a source of inefficiency, driving up costs for the consumer finance industry and ultimately for consumers. A new report from the Council of Economic Advisors (CEA) put some hard numbers on just how much one component of this system, the CFPB, really does cost. In […]

From Risk to Vehicle Recovery: One Connected Ecosystem Thursday, May 7, 2026 at 2:00 p.m. ET Auto lenders are navigating rising delinquencies, increased charge-offs, and greater pressure to recover assets faster while maintaining compliance. Yet many recovery programs remain fragmented across data providers, recovery vendors, and skip tracing services. This webinar introduces One Connected Ecosystem, showing […]

AFSA Webinar | The Future of Auto Finance Payments: Trends, Challenges, and What Lenders Can Do to Get Ahead Thursday, February 19 at 2:00 p.m. ET Auto finance is changing fast—driven by shifting borrower expectations, economic pressure and increased scrutiny from regulators. Delinquencies are climbing, margins are tightening and servicing models are struggling to keep […]

“Industry Expertise” is sponsored content produced by AFSA’s Business Partners’ to provide thought leadership and best practices for AFSA member companies. For more information about this sponsored content opportunity, contact Dan Bucherer. Auto finance’s first line of defense: Raising the standard in integrated software partnerships and data strategy In her latest article, Emily Hammond, Alfa’s Director […]