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So Goes Pennsylvania…
Sep 25, 2024

Pollsters are closely watching the East Coast trio of Pennsylvania, North Carolina, and Georgia as we are now fewer than 50 days away from Election Day. A recent Washington Post poll out of Pennsylvania shows just how tight the race for the White House is and how it is affecting down-ballot races as well. A week after […]

AFSA Opposes Mis-Named “SAFE” Act
Sep 24, 2024

A group of Democrat Senate and House members reintroduced legislation that they’ve introduced at least the last two Congresses, the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act. As we have done previously, we strongly oppose the mis-named legislation, which would harm, not help consumers. Among other things, the bill would prohibit convenience checks […]

Rate Caps Do Not Work
Sep 19, 2024

Yesterday, former President Donald Trump was out on the campaign trail talking about the tough economic times Americans have been experiencing over the past few years. In his remarks he said, “While working Americans catch up, we’re going to put a temporary cap on credit card interest rates. We’re going to cap it at around […]

AFSA Vetoes Commercial Collections
Sep 12, 2024

AFSA’s State Government Affairs team sent a veto letter to California Governor Gavin Newsom in opposition to commercial collections Senate Bill 1286. This bill addresses small business debt and a collections law, the Rosenthal Fair Debt Collection Practices Act. with which the creditors must comply. The state wants to expand the Rosenthal Act to cover commercial collections, and […]

A Fight for Funding
Sep 12, 2024

With 54 calendar and 12 session days until the election, Congress has some important unfinished business: funding the government. Speaker Mike Johnson (R-LA) unveiled his continuing resolution that would provide stopgap funding through March 2025. Following some dissent, the first procedural vote was pulled from the calendar yesterday. House Majority Whip Tom Emmer (R-MN) is working […]

New AFSA C3 Index Released
Sep 12, 2024

AFSA released its quarterly Consumer Credit (C3) Index survey of leading providers of consumer credit, including mortgages, vehicle financing, personal installment loans, and credit cards. The C3 Index is the only national survey that provides a look into AFSA member companies’ perceptions of business conditions and key business indicators, including how they see the consumer-lending […]

Industry Expertise | Leveraging Technology to Improve Originations for Lenders, Dealers, and Consumers
Sep 10, 2024

“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. Leveraging Technology to Improve Originations for Lenders, Dealers, and Consumers By Dustin Wesner, Vice President, Product Management, Odessa Due to the indirect relationship between […]

Extra Credit Podcast | AI – Boon or Bust?
Sep 10, 2024

In this episode of the AFSA Extra Credit Podcast, we’re joined by David Ralstin, Vice President, Chief Information Security Officer for Allied Solutions. His role provides governance, accountability, and trusted advisory services for technology risk management and information security controls at Allied. Artificial intelligence has been around as a technology since the 1950’s, and its […]

September White Paper: Legislative Trends
Sep 10, 2024

Last week AFSA’s State Government Affairs team released its September white paper on legislative trends in financial services. Since the introduction of AFSA*Track in early 2009, the database has tracked more than 150,000 pieces of state legislation. The structure and content of the categories tracked are updated with each legislative session to align with the […]

Long-Term Rates & Short-Term Relief
Sep 10, 2024

Lost in the attention being paid to exactly when and by how much the Federal Reserve will lower the federal funds rate is the fact that interest rates at the far end of the yield curve are already falling. This is due to lower market expectations both for inflation in the long-run and for short-term rates […]

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