The AFSA Extra Credit Podcast is a quick take on the consumer credit industry from the professionals who work in it every day. Have questions or feedback? Want to be a guest? Email us.
State of Credit #1 | Joe Mulberry, Wyoming
Thanks for listening to the AFSA Extra Credit Podcast.
This is the first edition of AFSA’s State of Credit Series as Danielle Fagre Arlowe, Senior Vice President and head of the State Government Affairs team speaks with regulators from around the country. We’ll make our way through all 50 states getting to know the regulators that are part of our industry.
In the inaugural edition, Danielle speaks with Joe Mulberry, Deputy Commissioner with the Wyoming Division of Banking.
EPISODE 29 | Project Management in 30 Minutes or Less
w/ Mark Decker, Director of Business Systems FIS
In this episode of the AFSA Extra Credit Podcast we talk with Mark Decker, Director of Business Systems Analysis with the Auto Group at FIS.
As we come out of the pandemic, many businesses may be thinking of upcoming projects that were either put off because of COVID or are more important than ever because of it. That’s what our chat centers around. What are some of the things business owners, both large and small, need to keep in mind when they’re embarking on a project. We approach this complex topic with a simple, who what when where why how and distill project management down into a tight 30 minutes.
This episode of the Extra Credit Podcast is sponsored by FIS. Learn more at fisglobal.com.
EPISODE 28 | Pitching Your Story the Right Way
w/ Jackie Charniga, Finance & Insurance Reporter, Automotive News
In this episode of the AFSA Extra Credit Podcast we talk with Jackie Charniga, the Finance and Insurance Reporter with Automotive News. We chat about some of the things that Jackie looks for in a story and some of the things that companies should keep in mind when they’re pitching.
Jackie also talks about the kinds of stories that particularly pique her interest and what the vehicle finance industry may have in store as we come out of these disruptive times.
EPISODE 27 | Tips & Tricks for Successful Communications Strategies
w/ Lane Borrello, Vice President of Public Affairs with GM Financial
In this episode of the AFSA Extra Credit Podcast we talk with Lane Borrello, Vice President of Public Affairs with GM Financial. Lane shares some of the tips she’s picked up during her career leading the comms shop for a number of large companies.
We chat about some of the easy things companies can do to help promote themselves in normal times, so they’re ready for when the inevitable PR crisis occurs. From templated messaging to bullet points and one pagers to getting notice by the media, we cover a lot of ground. This conversation can help inform the communications strategy of any size business, no matter where you are in the country.
We also touch on Lane’s passion for the Baylor Bears as an alumni – we recorded this before their win at the Big Dance – I’ve checked in since and she’s VERY happy.
EPISODE 26 | Dr. Carly Urban & AFSAEF Exec. Director Rhonda Ashburn
In this episode of the AFSA Extra Credit Podcast, we’re joined by Dr. Carly Urban and AFSAEF Executive Director to talk about a new study that found that students using the MoneySKILL program increased their financial knowledge by 60% on average and improved their short-term and long-term financial behaviors.
Dr. Urban talks about the methodology behind the study and Rhonda speaks to the value the MoneySKILL program has for students and teachers nationwide.
EPISODE 25 | Previewing the 2021 Vehicle Finance Conference w/ Charlie Vogelheim
In this episode of the AFSA Extra Credit Podcast we talk with Vehicle Finance Conference MC and host, Charlie Vogelheim about next week’s conference and what he’s looking forward to.
If you haven’t registered yet, there’s still time! Visit vehicle.afsaonline.org today!
EPISODE 24 | Dissecting the CFPB Taskforce Report
In this episode of the AFSA Extra Credit Podcast, AFSA Senior Vice President speaks with Dr. Tom Durkin about the Consumer Financial Protection Bureau (CFPB) Taskforce Report on Federal Consumer Finance Law. The report provides a number of key insights into the important role that all consumer finance products play in American lives.
EPISODE 23 | New York Update with Danielle Fagre Arlowe
In this episode of the AFSA Extra Credit Podcast we check in with AFSA’s Danielle Fagre Arlowe on a key victory on floorplan lending in the state of New York.
EPISODE 22 | Closing 2020 with AFSA President & CEO Bill Himpler
In this episode of the AFSA Extra Credit Podcast, we close out the year with AFSA President & CEO Bill Himpler. We discuss many of the successes the association has seen in 2020 and outline some goals to work for in 2021. Bill also highlights and thanks the AFSA members for their commitment to their communities during these uncertain times.
EPISODE 21 | CFPB’s Mark McArdle on Mortgage Resources
In this episode of the AFSA Extra Credit Podcast, we speak with Mark McArdle, Assistant Director, Mortgage Markets with the Consumer Financial Protection Bureau (CFPB). Mark handles several different areas within the mortgage markets team at the Bureau, including facilitating the Bureau’s assumption of the Home Mortgage Disclosure Act (HMDA) reporting, developing options around the Ability to Repay/Qualified Mortgage rules, and playing a key role developing the Bureau’s No Action Letter for HUD to facilitate lender-funded housing counseling.
Mark also coordinates the Bureau’s regulatory response to COVID-19, and is joining us on the podcast to spread the word about the Bureau’s mortgage resources for consumers. AFSA is encouraging its members to share these crucial resources with consumers at such an unprecedented time.
For more information, visit consumerfinance.gov/housing.
EPISODE 20 | Jonathon Levin, CEO, Turner Acceptance on the Importance of Financial Education
In this episode of the AFSA Extra Credit Podcast we talk with Jonathon Levin, CEO of Turner Acceptance about what his company has done to maintain high quality customer service during the COVID-19 pandemic. He also shared some of the important lessons he’s learned during his time as a leader in the consumer credit industry.
Jonathon also talks with us about the other hat he wears as Vice Chair of the AFSA Education Foundation and the important role that he believes financial education plays in the lives of consumers and the health of the consumer credit market broadly.
After our conversation with Jonathon, Rhonda Ashburn, Executive Director of AFSAEF joins us to talk about the growth the Foundation’s personal finance program MoneySKILL has seen over the past year. We also chat about how you can donate to the AFSAEF – the end of the year is the perfect time!
EPISODE 19 | Danny Cantrell, CEO and Co-founder of Solutions by Text
In this episode of the AFSA Extra Credit Podcast, we talk with Danny Cantrell, CEO and Co-founder of Solutions by Text. Danny has played an integral role at AFSA and is a mainstay at AFSA conferences and events. His expertise and thoughtfulness have helped accentuate the important role that AFSA business partners play in the association.
We chat about how the COVID-19 pandemic has shaped the text notification business and the valuable role that AFSA members are playing in ensuring that consumers stay up to date. We also talk a bit about best practices for multichannel communication, the recent SBT Huddle Week, and we take a quick detour to talk about Danny’s true passion: the Dallas Cowboys.
EPISODE 18 | TOM HUDGINS, AFSA CHAIR AND PRESIDENT & COO, WESTERN SHAMROCK
In this episode of the AFSA Extra Credit Podcast we talk with Tom Hudgins, 2021 AFSA Chair and President & COO of Western Shamrock. Tom has been an integral part of AFSA leadership for many years and has served on many committees and working groups. His counsel and expertise have helped AFSA continue the important work of protecting access to consumer credit and choice.
We chat with Tom about some of the things Western Shamrock has done in order to continue to support their customers and employees during these uncertain times. We also talk a bit about some of the things Tom has learned over his many years in the consumer credit industry and what he’s looking to accomplish during his time as AFSA Chairman.
EPISODE 17 | NAVIGATING ADVERTISING DURING COVID-19
In this episode of the AFSA Extra Credit Podcast, we talk with Andrea Cottrell, Associate with Hudson Cook LLP. Andrea works with financial service providers on compliance with federal and state regulations and consumer protection laws, including those laws enforced by the Consumer Financial Protection Bureau, the Federal Trade Commission, the Federal Communications Commission, and other federal agencies. She regularly counsels clients on the manner in which they market to and communicate with consumers. We talk specifically about advertising – what are some of the right things and wrong things to do when you’re making your community aware that you’re available to help? What compliance burdens should you be thinking about both for your business and with the vendors with which you work.
EPISODE 16 | TRENDING PAYMENT DATA & INSIGHTS DURING COVID-19
In this episode of the AFSA Extra Credit Podcast we talk with Mike Kaplan, CRO with PayNearMe. In mid-May, PNM unveiled a study entitled Consumer Bill Pay Trends During COVID-19. PayNearMe analyzed hundreds of thousands of bill payments made by U.S. consumers between March 1 and April 17 to explore the impact the COVID-19 pandemic is having and may have over the long term. The insights are very interesting and some, surprising.
EPISODE 15 – AUTO REMOTE SALES COMPLIANCE
In this episode of the AFSA Extra Credit Podcast we talk with Eric Johnson, Partner with Hudson Cook LLP. As the American economy reopens, businesses are looking for ways to remain accessible to their consumers while prioritizing their safety and comfort. Remote auto sales have been around an important part of the marketplace for many years, but have recently become more popular due to pandemic health and safety requirements. Eric works in many areas of consumer finance law and specializes in remote sales and compliance.
We talk a bit about the laws and regulations that vehicle finance lenders need to be aware of as they work with more automobiles that were sold off the dealership’s property. We also take a look at compliance best practices.
EPISODE 14 – AFSA: LOCKED IN DURING LOCKDOWN
In this episode of the AFSA Extra Credit Podcast we talk with Danielle Fagre Arlowe, the head of AFSA’s State Government Affairs team, about what AFSA’s been doing on the state front to advocate for members and the variety of resources the group has developed. We also chat with Celia Winslow, who leads the association’s federal government affairs department, about AFSA’s advocacy activities during lockdown. Visit afsaonline.org/coronavirusfor more information.
EPISODE 13 – COVID-19 CONVERSATIONS. PT. 2 | DAVID ANTHONY & SADIA MIRZA, ATTORNEYS W/ TROUTMAN SANDERS
This is part two of our AFSA Extra Credit Podcast series covering the COVID-19 pandemic.In this conversation, we’re speaking with David Anthony and Sadia Mirza, also with Troutman, on the overall impact of the virus, including debt collection, credit reporting and the TCPA, and also some cybersecurity aspects to think about. Because of the complex nature of these topics, you’ll notice the conversations are a bit longer as well. Be sure to check out AFSA’s coronavirus resource page, the AFSA blog, and social media for the most up to date information.
EPISODE 12 – COVID-19 CONVERSATIONS. PT. 1 | JEMERY TOMES & EMILY SCHIFTER, ATTORNEYS W/ TROUTMAN SANDERS
The next two episodes of the AFSA Extra Credit Podcast are a bit different. We’ll be talking with attorneys from Troutman Sanders about the impact the coronavirus is having on the consumer credit industry. Throughout the conversation, our guests highlight some key aspects to think about. The first part features Jeremy Tomes and Emily Schifter. We talk about the SBA PPP program as well as some important employee logistics issues. Our second conversation, which we will post early next week, is with David Anthony and Sadia Mirza on the overall impact of the virus and some cybersecurity aspects to consider. Because of the complex nature of these topics, you’ll notice the conversations are a bit longer as well.
Troutman Sanders COVID-19 Page
EPISODE 11 – DR. BARBARA O’NEILL, THE OWNER AND CEO OF MONEY TALK, AFSAEF CONSULTANT
In this episode of the AFSA Extra Credit Podcast, we’re speaking with Dr. Barbara O’Neill, the owner and CEO of Money Talk, which offers financial literacy materials and seminars. She also serves as a consultant for the AFSA Education Foundation’s MoneySKILL program. We talk a bit about the radio media tour Barbara undertook late last month in support of MoneySKILL and the value the program brings to students and other users across the country. We touch on the fundamentals the curriculum teaches and how those fundamentals are key to financially successful consumers.
EPISODE 10 – GINGER HERRING, PRESIDENT & CEO, 1ST FRANKLIN FINANCIAL CORP.
In this episode of the AFSA Extra Credit Podcast, we’re speaking Ginger Herring, President & CEO of 1st Franklin Financial Corp. Ginger is a third generation leader of 1st Franklin, which has been offering consumer credit products on Main Streets across the South since 1941. We talk about the important role of face-to-face contact and how fortunate Ginger feels to have a role in the lives of her neighbors for more than six decades. We also touch on how some public policies are threatening that role.
EPISODE 9 – STAN BUTLER, PRESIDENT & CEO, HEIGHTS FINANCE
In this episode of the AFSA Extra Credit Podcast, we’re speaking with Stan Butler, President & CEO of Heights Finance. We talk a bit about the difference Stan sees in banks versus consumer credit companies like Heights. We also touch on fintech and rate caps and both the challenges and opportunities they provide.
EPISODE 8 – RHONDA ASBURN, EXECUTIVE DIRECTOR, AFSAEF
In this episode of the AFSA Extra Credit Podcast, we’re speaking with Rhonda Ashburn, Executive Director of the AFSA Education Foundation. We touch on the power of financial education and look at the many successes the Foundation has had in 2019. We also take a look at the path forward in 2020, when AFSAEF will be celebrating its 30th anniversary.
EPISODE 7 – FRANK SALINGER
In this episode of the AFSA Extra Credit Podcast, we’re speaking with Frank Salinger, a longtime consultant for and former staff member of AFSA. Frank really needs no introduction – he’s been an integral part of protecting access to consumer credit since he joined the industry in the late 1970’s. We talk about what he’s working on with AFSA now and he gives his opinion on what AFSA members need to be focusing on right now.
EPISODE 6 – ROHIT DEWAN, HEAD OF PUBLIC POLICY, ONEMAIN FINANCIAL
In this episode of the AFSA Extra Credit Podcast, we speak with Rohit Dewan, Head of Public Policy with OneMain Financial. OneMain offers personal and auto loans in 44 states. We talk about some of the issues Rohit and OneMain see in the consumer credit space, including debt settlement companies. We also touch on some of the things Rohit has learned throughout his career.
EPISODE 5 – JOHN FINDLEY, CEO, LEMONADE TRAINING
On this episode of the AFSA Extra Credit Podcast, we’re speaking with John Findley, CEO of LemonadeTraining, a company that helps businesses develop game-based education programs. We talk a bit about game-based training, but really take the opportunity to talk about LemonadeTraining’s new whitepaper that delves into ways companies can overcome obstacles to digital adoption across generations. We touch on the important role that front line staff plays in digital adoption and some of the hurdles we face dealing with different consumers.
EPISODE 4 – SIMON KEYMER, KEYMER INC. & AFSA SGA CONSULTANT
In this episode of the AFSA Extra Credit Podcast, we talk with Simon Keymer, who has worked with AFSA’s state government affairs team for the last several years. This is the last of our recordings from AFSA’s Annual meeting. We talk about what he’s working on with SGA and the trouble he sees with Referendums. He also speaks about what he’s learned in his career and shares some best practices.
EXTRA | DANIELLE FAGRE ARLOWE ON NCLC REPORT
In this EXTRA, AFSA Senior Vice President Danielle Fagre Arlowe talks about the recent report from the National Consumer Law Center (NCLC). We point out some of the areas where the report falls short and talk about AFSA’s response.
EPISODE 3: PAUL HALE, SENIOR VICE PRESIDENT, SECURITY FINANCE CORP. & 2019 AFSAEF LEADERSHIP DEVELOPMENT PROGRAM PRESIDENT
In this episode of the Extra Credit Podcast we speak with Paul Hale, Senior Vice President of Security Finance Corp. and President of the 2019 AFSAEF Leadership Development Program at UNC. We pull off to the side of AFSA’s Annual Meeting in Nashville to talk about his concern about debt settlement companies and how they are negatively effecting customers. He also speaks about what he’s learned in his career and shares some best practices.
EPISODE 2: REX ELLISON, PRESIDENT & CEO – REPUBLIC FINANCE | AFSAEF CHAIRMAN
In this episode of the AFSA Extra Credit Podcast, we speak to Rex Ellison, President & CEO of Republic Finance and Chairman of the AFSA Education Foundation. Rex shares with us some best practices for building a successful traditional installment lending business and tells us about a what he’s learned in his career so far. Rex also shares a powerful story about the impact installment loans can have on the lives of ordinary Americans.
EPISODE 1: AFSA PRESIDENT & CEO BILL HIMPLER
Our inaugural episode is a little different – today we’re talking with AFSA President & CEO Bill Himpler about our upcoming Annual Meeting, taking place next week in Nashville.