Affordability and creditworthiness are two key factors – really the two key factors – that determine whether Americans can get access to the credit they need. Unfortunately, rate caps have made affordable credit, especially those who have a challenging credit report, far more difficult to get in many locations. In this episode of the Extra […]

AFSA is celebrating Women’s History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features Marguerite Watanabe, President, Connections Insights. She chats with Danielle Fagre Arlowe, SVP of AFSA, on how she ended up in the industry, who her influences are, and the importance of knowing […]

AFSA CEO Bill Himpler testified this morning before the House Financial Services Subcommittee on Subcommittee on Financial Institutions and Monetary Policy about the Consumer Financial Protection Bureau’s (CFPB) refusal to operate within its congressional mandate and its unhelpful rhetoric harms both consumers and creditors. Himpler’s testimony centered on five examples of the CFPB’s overreach. The […]

AFSA’s breakout sessions always put attendees in the know and on the inside track. Join Jason Dunn, former U.S. Attorney, former Colorado Deputy Attorney General, now a Brownstein Hyatt Farber Schreck Shareholder for a “State of the State AG” discussion. State attorneys general continue to carve out larger roles in consumer credit, with an eye toward burnishing their records in pursuit of […]

Recent research by economist Jonathan Lanning, formerly of the Consumer Financial Protection Bureau (CFPB) and currently with the Federal Reserve Bank of Chicago, documents racial and ethnic disparities in indirect auto loans. Using CFPB data on more than 7.5 million loans from 2008 to 2013, Lanning estimates Black borrowers pay an average of 2.1 percentage […]

Today is International Women’s Day, when the global community comes together to celebrate women and serve as a focal point in bringing attention to important issues, such as gender equality. It is also a great time to highlight what the Women’s Leadership Council is doing for Women’s History Month. Throughout the month of March, we […]

AFSA is celebrating Women’s History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features Kristin Miller, SVP, General Counsel & Compliance Officer with Global Lending Services. She chats with Danielle Fagre Arlowe, SVP of AFSA, on how she ended up in the industry, who […]

AFSA’s State Government Affairs team published it’s March white paper focusing on debt collection. With debt collection top of mind for millions of Americans, states and consumer activists are increasingly prioritizing the issue. The white paper provides an overview of recent debt collection legislation and legislative trends and examines regulatory developments in states like New […]

AFSA joined a coalition of other organizations opposing a Federal Trade Commission (FTC) proposed rule imposing a nationwide ban on almost all noncompete clauses. If finalized, the rule would nullify millions of such contracts. Courts, scholars, and economists have found these contracts entirely reasonable and beneficial for both businesses and employees. Additionally, 47 states permit […]

AFSA is pleased to announce that Nevada Secretary of State, Hon. Cisco Aguilar  will speak at the 2023 Independents Conference & Expo! Aguilar was elected in 2022, confirming his rising star in state and national politics, while bringing his legal, corporate, and political expertise to the table. He’ll share his experiences and lessons learned in […]