Aren’t Regulations Fun?

Here it is July 2022 – Reg Z went into effect in July 1969, and many other statutes and regulations have followed. We never...

Buying the Right Car Faster – Digital Buying Experience Shifts Expectations

How white-label auto online marketplaces help lenders, dealers and consumers with more precise information, pre-qualified customers and faster sales and loans Car shopping used to...

Ode to the Positive

I don’t know about you, but I’m done With skeptical, cynical, defensive, fearful, angry Those who refuse to see the good Who desire for everything to spin...

The Repo Alliance: Trying to Save the Repossession Industry

It is no exaggeration that the last year has been the most challenging time the repossession industry has ever faced. During this time, several...

Creditor Liability for Consumer Choices – Are Dealers at Risk?

“Be a caretaker and not an undertaker.” This is a comment often made by a prominent speaker at independent dealer conferences. The intention of this...

Outliers and Auto Finance: Pondering and Modelling the Unpredictable

I’ve always been intrigued by the notion of planning for unpredictable outliers. Since studying game theory at university and then reading Nassim Nicholas Taleb’s...

CFPB Claims that Discrimination Is a UDAAP

The Consumer Financial Protection Bureau recently announced that discrimination—whether intentional or unintentional but produces a discriminatory outcome—is an unfair, deceptive, or abusive act or...

Fin-tech – It’s Just Another Fad

According to the Internet, Fin-tech, aka financial technology, is the technology and innovation that aims to compete with traditional financial methods in the delivery...

The New Side-by-Side Experience

For the last 30 years, I’ve spent my working career -- whether as a strategist, marketer, consultant, or industry analyst -- largely based in...

The Auto Finance Outlook for 2020

It is common for auto lenders to spend the fourth quarter preparing for the coming year. This typically involves planning volume and yield targets,...