The non-prime auto finance industry is no stranger to uncertainty, and 2025 is shaping up to be another year of change. From shifting regulatory landscapes to economic pressures and evolving market dynamics, finance companies need to stay sharp and adaptable.
So, what’s ahead? Let’s dive into the key trends shaping the road ahead.
Regulatory Shakeups: A New Era for the CFPB and State Enforcement
Leadership changes at the Consumer Financial Protection Bureau (CFPB) and a new administration in Washington could mean adjustments in federal oversight – but don’t expect things to slow down. State regulators and attorneys general are stepping up their enforcement efforts, filling in any perceived gaps.
Hot topics on their radar? Fair lending, debt collection, servicing practices, and repossessions. With more states taking action, finance companies operating across multiple jurisdictions will need to navigate an increasingly complex regulatory patchwork. Compliance teams should be prepared for heightened scrutiny and evolving expectations at both state and federal levels.
Market Shifts & the Power of a Strong Network
Beyond regulation, market forces are shifting. Affordability remains a roadblock. Used car prices have come down from pandemic highs but are still elevated compared to historical norms, leaving subprime borrowers with fewer viable options. Navigating complexities such as rising costs, evolving regulations, and risk dynamics requires more than just internal strategy. Building a strong professional network ensures you have trusted advisors and industry peers to exchange insights, share best practices, and tackle challenges together.
Adapting to the Future
In a rapidly shifting industry, standing still isn’t an option. The ability to adapt, innovate, and stay informed will define which companies thrive and which struggle in 2025. To stay ahead, finance companies should remain proactive by strengthening compliance programs, refining operational strategies, and staying informed about the latest industry developments. Whether it’s refining underwriting models or exploring alternative deal structures, having a network of experienced professionals gives you a competitive edge. And that’s where the NAF Association comes in.
Insights, Strategies & Connections: NAF Association’s 2025 Events
The Annual Non-Prime Auto Financing Conference (June 4-6 | Plano, TX) is a must-attend event featuring two dedicated learning tracks – one focused on business strategy and another on compliance – offering something for every professional. With sessions led by top experts and thought leaders, attendees will gain critical insights into the most pressing challenges and opportunities.
Want to go deeper? Roundtable discussions will focus on leadership development, operations, servicing, and technology, providing an opportunity for peer-to-peer learning and collaboration. These conference sessions are an excellent professional development opportunity for your entire team.
Designed exclusively for senior executives of auto finance companies, the C-Suite Retreat (August 6-8 | Amelia Island, FL) offers structured, high-level discussions and networking in an intimate setting. It’s the perfect space to exchange ideas, tackle big-picture industry challenges, and build meaningful connections with fellow leaders. With limited spots available, early registration is highly recommended.
With regulatory scrutiny on the rise, compliance is more important than ever, especially for professionals navigating today’s complex regulatory environment. The Compliance Workshop (September 9-10 | Irving, TX) delivers expert insights from Hudson Cook attorneys, peer discussions, and real-world strategies to help finance companies stay ahead of regulatory shifts.
More Than Just Events: The Year-Round Value of NAF Membership
NAF is more than a trade association – it’s a year-round resource. In addition to events, membership includes access to NAF Networks and a dedicated online community, where members can collaborate, participate in webinars, and stay informed about key industry topics.
The association also provides comprehensive compliance education programs, offering expert-led training, ongoing discussions, and access to leading legal professionals to help members stay ahead of regulatory changes. Through industry events and member resources, NAF provides a direct line to insights, strategies, and relationships that help companies navigate challenges and uncover opportunities.
The Bottom Line: Be Proactive, Not Reactive
The road ahead may be uncertain, but one thing is clear: the companies that stay informed, agile, and connected will have the best chance of success. By strengthening compliance efforts, embracing technology, refining risk strategies, and prioritizing customer relationships, non-prime auto financing sources can position themselves for a stronger and more resilient 2025.
Ready to stay ahead of the curve? Join us and make 2025 a year of smart strategies and strong connections.
Mark Your Calendar for 2025!
• Annual Non-Prime Auto Financing Conference | June 4-6 | Plano, TX
• C-Suite Retreat | August 6-8 | Amelia Island, FL
• NAF Compliance Workshop | September 9-10 | Irving, TX
Fasten Your Seatbelts: The Key Trends Shaping Non-Prime Auto Finance in 2025
