02.09.2026

Prior to 2025, the strategic playbook for subprime finance leaders centered on a predictable cadence: monitor the federal horizon, wait for the Consumer Financial Protection Bur...

12.30.2025

By Jim Bass Introduction: A Career Built on Change When I started in subprime auto finance in the late 1980s, the industry was a different world There were no automated portals,...

01.19.2026

The credit file is no longer a static record It is increasingly becoming a living profile shaped by broader identity recognition, consumer-contributed data, and integrity checks...

07.14.2025

When you think of the reasons a creditor might repossess a car in which it has a security interest, you probably think of the most likely scenario: the car owner defaults on car...

02.02.2026

I grew up in a small town and farming community 40 miles outside of Oklahoma City  At that time, we had 3 stop lights, a Sonic, a Pizza Hut, and a fantastic old-time burger...

12.02.2025

The third quarter of 2025 served as a pivotal point for the subprime finance sector’s digital transformation journey While the industry has spent the last several years ra...

02.16.2026

The subprime auto loan securitization market is currently characterized by a unique blend of stable market sentiment and untapped growth potential Recent industry survey data fr...

10.28.2025

In today’s direct auto lending channel—where a consumer secures financing directly from a subprime lender before stepping onto the lot—legacy payment methods have long introduce...

02.23.2026

For too long, the subprime industry has operated under a veil of “risk compliance caution”—a conservative approach that prioritizes checking boxes over truly provoca...

01.26.2026

The subprime finance industry is approaching a critical era For years, the promise of digital transformation has been a boardroom staple, yet the reality on the ground remains s...

01.05.2026

Developments in artificial intelligence (AI) have accelerated rapidly over the past decade, and the topic now features prominently in mainstream media and corporate messaging Ma...

11.04.2025

Post From :Last Week, This Morning® On September 29, the Department of Justice announced that it entered into a settlement agreement with a vehicle finance c...