“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. The Most Expensive Time to Drive a Car The cost of owning and driving a car is rapidly rising, not only widening the gap […]

“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. FinnOne Neo®: Turning Data into Borrower Loyalty Through Modern Servicing, Collections, and Recovery The U.S. automotive finance market is at a turning point. Portfolio […]

Finance companies are growing increasingly optimistic about the consumer credit landscape over the next six months, with lender confidence rising for the second consecutive quarter, according to the latest Consumer Credit Conditions Index (C3) Survey. The survey’s Net Improving Index (NII) for expected business conditions climbed to +29.5 in the fourth quarter of 2025, up […]

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 […]

AFSA staff has filed comments in connection with two CFPB proposals relating to the CFPB consumer complaint portal. These were routine notices of existing information collections relating to the “Consumer Complaint Intake System Company Portal Boarding Form” and the “Consumer Response Intake Form.” In our comments, AFSA reminded the CFPB of continued shortcomings in the […]

The U.S. economy entered 2026 riding a wave of momentum. After a small contraction in the first quarter of last year, real GDP growth accelerated throughout 2025 and is on track to post an increase of between 2.5 and 3 percent (on a Q4/Q4 basis) when all the data are in and the books are […]

Affordability and cost-of-living concerns remain top of mind for many Americans. Despite a positive outlook for 2026, AFSA’s Consumer Credit Conditions (C3) Index for the third quarter of 2025 revealed ongoing concern among lenders and consumers with a deteriorating labor market conditions and ongoing inflation. Through all of this, AFSA members continue to provide safe and affordable financial […]

The American Financial Services Association (AFSA) welcomes the approval of Industrial Loan Company (ILC) applications, including those for GM Financial Bank and Ford Credit Bank. That the Federal Deposit Insurance Corporation has resumed the processing and approval of industrial bank applications under the leadership of Chairman Travis Hill is good news for consumers and the […]

The state of Colorado filed a response to our Petition for Rehearing en Banc in the10th Circuit Court of Appeals, where the majority of a three judge panel overturned a decision holding that Colorado couldn’t control out of state banks by opting out of the uniform federal interstate banking framework set by Congress and its […]

2026 Consumer Lending Predictions: The AI Power Shift That Will Redefine the Industry—Whether We’re Ready or Not Thursday, January 22, 2026 | 2:00 p.m. ET The consumer and auto finance industry is standing on the edge of its most radical transformation in decades—and the guardrails we once relied on are being rewritten in real time. […]