Last week AFSA’s National Title Solutions Forum (NTSF) submitted a comment letter regarding Louisiana HB 1086, which establishes a framework for mandatory electronic lien and title systems. Why it matters: While NTSF supports modernization and the transition to electronic processes, the letter raises concerns that aspects of the bill could create operational challenges if not clearly defined and implemented […]

AFSA joined more than fifty business associations and groups from a wide range of industries to support H.R. 8413, the SECURE Data Act, a comprehensive federal privacy bill that would establish a single national privacy standard. The House Energy and Commerce Committee created the Data Privacy working group to reset the discussion on comprehensive data privacy and took significant […]

The New York Court of Appeals (the highest court in New York) has ruled on a matter in which AFSA offered an amicus brief, agreeing with AFSA’s position on insurance requirements for leased and rental vehicles. The Graves Amendment is a federal law that shields vehicle leasing and rental companies from vicarious liability for damages caused by […]

From Risk to Vehicle Recovery: Connected Intelligence 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’s State Government Affairs team submitted a comment letter opposing IL SB 2255, which seeks to regulate the use of “surveillance pricing.” This is broadly defined to include the use of consumer data in setting prices, but the bill’s sweeping and ambiguous language could unintentionally capture common and pro-consumer practices used throughout the financial services industry. AFSA raised […]

Auto loan delinquency rates are elevated, that is not in dispute. According to the New York Fed, roughly 5.2% of auto loan balances were 90+ days delinquent as of late 2025, above the long-run average and at levels not seen since the aftermath of the 2008 financial crisis. Policymakers, press, and consumer advocates have attempted to raise […]

AFSA President and CEO Celia Winslow is pleased to testify tomorrow before the House Financial Services Committee’s Subcommittee on Financial Institutions on promoting access to credit for American consumers.  You can read her full testimony here. The credit-reporting system is the infrastructure that allows consumers to buy cars, finance homes, and manage the financial setbacks life […]

BUSINESS PARTNER WEBINAR Lowering the Personal and Professional Risks of Online Data Exposure April 16, 2026 at 2:00 p.m. ET Eighty-four percent of bank directors, CEOs and senior executives responding to Bank Director’s 2025 Risk Survey listed cybersecurity as a top concern for their institution. At the same time, the shocking killing of UnitedHealthcare CEO […]

AFSA’s latest State Government Affairs white paper analyzes convenience fees. As convenience fees rise, consumers increasingly use online, mobile, and other electronic payment methods, distinguishing these fees from surcharges and outlining both consumer and creditor perspectives. It also reviews key regulatory interpretations and recent state legislative actions through early 2026 that clarify when convenience fees are permitted, how […]

Two new reports speak to the growing scale and complexity of auto finance fraud. Point Predictive’s annual Auto Fraud Lending Trends reports that auto lending fraud exposure reached $10.4 billion in 2025. That is up from $9.2 billion in 2024 and represents a five-fold increase in the last 15 years. According to Point Predictive, synthetic identity fraud, facilitated by breakthroughs […]