AFSA’s latest State Government Affairs white paper examines how consumer complaint data is collected and reported across states, highlighting significant inconsistencies in availability, categorization, and transparency that limit meaningful trend analysis. It provides a high-level snapshot of commonly reported complaint categories—such as auto-related issues, credit and debt concerns, and fraud. This paper, along with SGA’s other white papers, […]

A new post on the Federal Reserve Bank of New York’s Liberty Street Economics blog acknowledges an old idea: usury limits, otherwise known as interest rate caps, don’t work. The piece provides some interesting historical background on usury regulations, noting that “their recent resurgence on the consumer side was triggered by payday lenders’ entry into the […]

“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. Bank partnerships have become central to how consumer finance companies grow and compete. Branded credit cards, buy-now-pay-later products, rate exportation arrangements, and full-scale Banking-as-a-Service […]

BUSINESS PARTNER WEBINAR Why AI Implementations Fail, and How Asset Finance Lenders Can Get It Right June 18, 2026 at 2:00 p.m. ET Up to 95% of AI pilots fail to scale, but it doesn’t have to be that way. For asset finance lenders, the challenge isn’t the promise of AI. It’s execution. This session […]

Reading the Room: What Voters Are Really Saying About the Economy and the Road to the Midterms Numbers don’t lie. But they do require interpretation and AFSA’s Annual Meeting has two of the best in the business to help us do just that. Two of Washington’s most respected pollsters go beyond the headlines to reveal […]

AFSA has submitted a comment letter raising concerns with SB 3777, noting that while well-intentioned, the bill relies on a disparate impact framework that could create significant unintended consequences for the consumer credit system.  For decades the Equal Credit Opportunity Act (ECOA) has provided strong, effective protections against discrimination, supported by clear compliance requirements and meaningful penalties for violations. AFSA […]

On May 19, 2026, the White House issued Executive Order 14406 addressing issues relating to lending and banking for customers lacking legal residency and work authorization. The order explains that national security and public safety risks arise from illicit cross-border financial activity. The order also describes risk to the financial system relating to extensions of credit or financial […]

The recent FDIC approval of Stellantis Bank USA marks a meaningful milestone for the vehicle finance industry, and the benefits extend well beyond one automaker’s balance sheet. This approval expands consumer access to financing options. Stellantis Bank USA will offer products through independent Stellantis dealers, giving buyers of Chrysler, Dodge, Jeep, Ram, and other Stellantis […]

AFSA is pleased to be supporting the inaugural conference of the newly launched Institute for Consumer Financial Choice (ICFC) at George Mason University’s Antonin Scalia Law School. Entitled, “The Future of Consumer Financial Protection,” the conference is co-sponsored with the Federal Trade Commission. The ICFC was launched earlier this year by Prof. Tom Miller, the […]

“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. From the outside, a loan payoff looks simple. A customer trades in a vehicle, the loan gets paid, and the process moves forward. Inside […]