AFSA Extra Credit Podcast
The AFSA Extra Credit Podcast is a quick take on the consumer credit industry from the professionals who work in it every day.
info_outline
Ep. 55 | Alternative Data Download w/ Equifax
10/12/2023
Ep. 55 | Alternative Data Download w/ Equifax
In this edition of the AFSA Extra Credit Podcast, we chat with Lena Bourgeois, SVP & General Manager of Automotive & Insurance with Equifax about alternative data. It’s a term that gets thrown around a lot but Lena gives us the download on what it is, what it can do for your business and most importantly, how it can increase credit access for consumers. We also touch on how bringing alternative data into your business processes can help you weather our current economic uncertainty. ------ Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/28298057
info_outline
Ep. 54 | Changing Perspective on Auto Finance
07/27/2023
Ep. 54 | Changing Perspective on Auto Finance
In this edition of the AFSA Extra Credit Podcast, we chat with , Founder & CEO of which offers consumers a flexible auto financing schedule that matches payments with paychecks. We have a broad conversation about Robert’s journey, the benefits of changing the perspective on how consumers pay for vehicles and the importance of affordability. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/27581295
info_outline
Industry Icon #9 | Suzi Straffon, Allied Solutions
07/11/2023
Industry Icon #9 | Suzi Straffon, Allied Solutions
The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features , Director, Finance Company Markets with Allied Solutions Suzi has had a successful career because of her tenacity and importance she places on learning, particularly from her mentors. She chats with Danielle Fagre Arlowe, SVP of AFSA, on how she ended up in the industry, who her influences are, and touches on the importance of having a mentor. ------- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/27432378
info_outline
Ep. 53 | Creating your company's value proposition
06/29/2023
Ep. 53 | Creating your company's value proposition
AFSA member companies are generally very good at marketing their own products and services. What about your company? Are you telling prospective hires and current employees why they should work with you? , Managing Director with People joins us again to share her findings and best practices on creating and developing your company’s value proposition. And, its more important than ever as the economy remains unstable and inflation sticks around. In this episode we talk about how do get started developing your company’s value proposition, why it’s important and an important note about the departments and people you need involved. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/27322665
info_outline
Ep. 52 | Fair Lending Pt. 2 w/ CRA's Dr. Adam Gailey
06/14/2023
Ep. 52 | Fair Lending Pt. 2 w/ CRA's Dr. Adam Gailey
This episode of the Extra Credit Podcast is Part Two of our conversation with, , VP of Compliance Education and , Principal in the Financial Economics Practice at Charles Rivers Associates, on getting your Fair Lending house in order. In the last episode, Dr. Gailey and Philip discussed the things that you can control, like underwriting, servicing and other processes. In this episode, the two compliance experts discuss what you cannot and what’s coming down the pike.
/episode/index/show/afsaonline/id/27137589
info_outline
Ep. 51 | Fair Lending w/ CRA's Dr. Adam Gailey
06/08/2023
Ep. 51 | Fair Lending w/ CRA's Dr. Adam Gailey
In this episode of the podcast, , VP of Compliance Education talks with , Principal in the Financial Economics Practice at Charles Rivers Associates, on getting your Fair Lending house in order and looking carefully at questions surrounding things you can control like underwriting, buy rate setting and servicing. State and federal regulators are examining underwriting practices, rate-setting and servicing more than ever before. Dr. Gailey has worked on numerous DOJ and CFPB investigations, class-action lawsuits, and regulatory compliance cases, that typically involve providing statistical and economic analyses of large amounts of data focusing on issues related to the use of overdraft protection, indirect auto finance, redlining, and fair lending. A second episode, coming next week, will delve into what you can’t control and what to expect next.
/episode/index/show/afsaonline/id/27082872
info_outline
Industry Icon #8 | Rochelle McClanahan, Brundage Management/Sun Loan
05/31/2023
Industry Icon #8 | Rochelle McClanahan, Brundage Management/Sun Loan
The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features , Chief Financial Officer/Compliance Officer with Brundage Management/Sun Loan. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and touches on the importance of having a mentor.
/episode/index/show/afsaonline/id/27004098
info_outline
Ep. 50 | Rick Hackett & Stephen McDaniel on F&I Compliance
05/25/2023
Ep. 50 | Rick Hackett & Stephen McDaniel on F&I Compliance
In this episode of the AFSA Extra Credit Podcast, Dan chats with Co-founder & CEO with F&I Sentinel and , Board Member with F&I Sentinel and former Assistant Director at the Consumer Financial Protection Bureau. We pick Stephen’s brain on some of the strategies companies can use to ensure F&I compliance is front of mind. We also take advantage of Rick’s unique expertise and view into the Bureau to look at what they might be thinking on the F&I front. Be sure to check out the that Stephen & Rick did with AFSA a few weeks ago. This isn’t one to miss.
/episode/index/show/afsaonline/id/26951655
info_outline
Industry Icon #7 | Lisa Verdun, Point Perdictive
05/11/2023
Industry Icon #7 | Lisa Verdun, Point Perdictive
The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features , Senior Fraud Consultant with Point Predictive. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and where she sees the industry in the next decade.
/episode/index/show/afsaonline/id/26811057
info_outline
Ep. 48 | The State of Vehicle Finance w/ Melinda Zabritski
04/25/2023
Ep. 48 | The State of Vehicle Finance w/ Melinda Zabritski
In this edition of the AFSA Extra Credit Podcast, Dan chats with , Senior Director for Experian's automotive financial services team. She swings by to give listeners a look into what we can glean from Experian's Q4 . She also looks at affordability and uses her crystal ball to see what what be coming down the pike in the Q1 report. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/26650518
info_outline
Industry Icon #6 | Ginger Herring, 1st Franklin Financial
04/20/2023
Industry Icon #6 | Ginger Herring, 1st Franklin Financial
The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features Ginger Herring, President & CEO of 1st Franklin Financial. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and where she sees the industry in the next decade.
/episode/index/show/afsaonline/id/26633859
info_outline
Ep. 47 | Hudson Cook on FTC Safeguards Rule
04/13/2023
Ep. 47 | Hudson Cook on FTC Safeguards Rule
In this edition of the AFSA Extra Credit Podcast, we tackle the soon-to-be-effective FTC Safeguards Rule. , Attorney with Hudson Cook joins us to give us the 35,000 foot view of the rule, some of the nitty gritty that companies will have to get into and who exactly is covered (hint, its most folks). Dailey also discusses some of the unintended consequences of the rule and talks about what to expect next. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/26530785
info_outline
Industry Icon #5 | Darcy Locke, ACI Worldwide
03/28/2023
Industry Icon #5 | Darcy Locke, ACI Worldwide
AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features , Vice President, Head of Consumer Finance Sales with ACI Worldwide. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and where she sees the industry in the next decade. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/26367288
info_outline
Ep. 46 | Manatt Returns to Talk CFPB Registries
03/23/2023
Ep. 46 | Manatt Returns to Talk CFPB Registries
The experts from are back to discuss the Consumer Financial Protection Bureau's (CFPB) registries on terms and conditions and "bad actors." We dive deep on what each registry is, the motivation for their promulgation, the impact they could have on consumers who need credit and the constitutionality of the Bureau in the first place. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/26308908
info_outline
Industry Icon #4 | Mara McNeill, Toyota Financial Savings Bank
03/22/2023
Industry Icon #4 | Mara McNeill, Toyota Financial Savings Bank
AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features President & CEO of Toyota Financial Savings Bank. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and about her three careers - military, legal and then financial services - have shaped her views. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/26306001
info_outline
Ep. 45 | Affordability & Creditworthiness w/ Spencer Slade, PTS
03/13/2023
Ep. 45 | Affordability & Creditworthiness w/ Spencer Slade, PTS
Affordability and creditworthiness are two key factors - really the two key factors - that determine whether Americans can get access to the credit they need. Unfortunately, rate caps have made affordable credit, especially those who have a challenging credit report, far more difficult to get in many locations. In this episode of the Extra Credit Podcast, chats with of about both of these factors and how lenders need to adapt to continue to reach their customers. PTS offers a vairety of different products that help lenders and consumers alike, like GAP protection, auto club memberships and tax services. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/26210979
info_outline
Industry Icon #3 | Marguerite Watanabe, Connections Insights
03/10/2023
Industry Icon #3 | Marguerite Watanabe, Connections Insights
AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features President, Connections Insights. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and the importance of knowing your value. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/26200647
info_outline
Industry Icon #2 | Kristen Miller, Global Lending Services
03/07/2023
Industry Icon #2 | Kristen Miller, Global Lending Services
AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features , SVP, General Counsel & Compliance Officer with Global Lending Services. She chats with , SVP of AFSA, on how she ended up in the industry, who are influences are, and the responsibility she feels she has to help the next generation of female leaders. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/26157252
info_outline
Industry Icon #1 | Tanya Sanders, Wells Fargo
03/01/2023
Industry Icon #1 | Tanya Sanders, Wells Fargo
AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. Our first episode features , Head of Wells Fargo Auto. She chats with , SVP of AFSA, on how she ended up in the industry, who are influences are, and the responsibility she feels she has to help the next generation of female leaders. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/26092587
info_outline
Ep. 44 | Olivia Moseley on the Power of The EDGE
02/27/2023
Ep. 44 | Olivia Moseley on the Power of The EDGE
In this episode of the AFSA Extra Credit Podcast Dan chats with , Distrct Manager with Heights Finance and the Year 1 President of AFSAEF's The EDGE program. Olivia shares how valuable the program was to her and highlights some of the key reasons she thinks all AFSA members should consider it a must-attend program for rising industry leaders. Registration for The EDGE and AFSAEF's Leadership Development Program is now open. Head to to learn more and register.
/episode/index/show/afsaonline/id/26068599
info_outline
Ep. 43 | Celia Winslow & Danielle Arlowe on the Auto Remarketing Podcast
02/14/2023
Ep. 43 | Celia Winslow & Danielle Arlowe on the Auto Remarketing Podcast
AFSA SVPs Celia Winslow and Danielle Arlowe recently appeared on he Auto Remarketing Podcast with Nick Zulovich of Auto Finance News. Celia & Danielle discussed the latest developments on the federal and state level, respectively, in connection with actions by lawmakers and regulators. Special thanks to Nick and the team at SubPrime Auto Finance News for letting us republish the conversation here. about the Auto Remarketing Podcast and subscribe today.
/episode/index/show/afsaonline/id/25927290
info_outline
Ep. 42 | Attracting Millennial + Gen Z Talent
01/19/2023
Ep. 42 | Attracting Millennial + Gen Z Talent
In this episode of the AFSA Extra Credit Podcast Dan chats with Terri Horn, Managing Director of People Strategies, a boutique firm specializing in executive search, recruiting, and Human Resources consulting. We cover one of the hottest topics in financial services and the economy broadly right now: recruitment and retention. Terri shares some of what she learned over the course of her career matching job seekers with companies. Dan and Terri dive deep on recent research surrounding what prospective employees are looking for, what they expect to have in an employer/employee relationship and ways you can take your HR efforts to the next level. For more information, visit or get in touch with Terri directly at .
/episode/index/show/afsaonline/id/25658796
info_outline
Ep. 41 | Fraud Isn't What You Think
12/08/2022
Ep. 41 | Fraud Isn't What You Think
In this episode of the AFSA Extra Credit Podcast Dan chats with Justin Davis, VP of Product Delivery and Frank McKenna, Chief Strategist with Point Predictive about the uptick in fraud as we come out of the pandemic and the economy remains turbulent. They also talk about what kind of fraud we're really seeing in the market. Hint? It's not a concerted effort by criminals.
/episode/index/show/afsaonline/id/25262877
info_outline
Ep. 40a | An Addendum on the 5th Circuit Decision w/ Manatt
10/31/2022
Ep. 40a | An Addendum on the 5th Circuit Decision w/ Manatt
Given the 5th Circuit's recent decision regarding the CFPB's funding, we thought it made sense to bring our experts from Manatt back to the pod give us an idea of what it all means. Bryan Schneider and Scott Pearson join us again to add on to our discussion on supervision and enforcement at the CFPB.
/episode/index/show/afsaonline/id/24856170
info_outline
Ep. 40 | Going Deep on CFPB Supervision & Enforcement w/ Manatt
10/31/2022
Ep. 40 | Going Deep on CFPB Supervision & Enforcement w/ Manatt
The Consumer Financial Protection Bureau's supervisory and enforcement powers can be confusing and if your company is in the crosshairs, a bit unnerving. Luckily, we've got CFPB experts from Manatt, Phelps and Philips LLP, to help guide listeners through the experience. , and join the pod to go deep on the structure of the Bureau, what you need to be doing to ensure you're complying with the law and what actions you need to take if you do find a CID in your mailbox.
/episode/index/show/afsaonline/id/24854127
info_outline
Ep. 39 | Talking VPPs w/ Tyler Gray
10/27/2022
Ep. 39 | Talking VPPs w/ Tyler Gray
In this episode of the Extra Credit Podcast, Dan chats with Tyler Gray, Director of Sales with LCT on voluntary protection products. Lots of states, including most recently California, have instituted new voluntary protection product guidelines. Federal agencies are also looking at VPPs closely. So, where to start? Get a handle on where you’re doing business, what the laws are and what you need to be doing to comply. Dan and Tyler go deep on the steps you need to take to make sure you're covering all the bases.
/episode/index/show/afsaonline/id/24822072
info_outline
Ep. 38 | The History of The Breakers
10/12/2022
Ep. 38 | The History of The Breakers
AFSA conferences take place in a lot of amazing resorts and hotels but nothing is quite as historic as The Breakers in Palm Beach, Florida where we'll be holding out 2022 Annual Meeting in a few short weeks. Dan Jenkins, Senior Manager of Sales at The Breakers joins the Extra Credit Podcast to give us a bit of a history lesson about the property and what attendees can expect when they arrive.
/episode/index/show/afsaonline/id/24665109
info_outline
Episode 37 | The Importance of Neurodiversity
10/04/2022
Episode 37 | The Importance of Neurodiversity
This edition of the AFSA Extra Credit Podcast is a bit of a teaser for our D&I session at the 2022 AFSA Annual Meeting where Anthony Pacilio, Vice President of Neurodiverse Solutions at CAI will talk about Neurodiversity. We wanted to prime the engine before we get to Palm Beach, so in this podcast we chat a bit about what neurodiversity is and how this untapped pool of individuals can help benefit your organization. We also talk with our very own Edwin Portugal, Manager of State Policy & Regulatory Affairs here at AFSA. Edwin has been a steadfast and passionate advocate of the neurodiverse community and will share his experience as a member of that community. CAI:
/episode/index/show/afsaonline/id/24579015
info_outline
Episode 36 | End-of-Summer Federal Affairs Update
09/08/2022
Episode 36 | End-of-Summer Federal Affairs Update
In this episode of the AFSA Extra Credit Podcast, Dan speaks with Ann Harter and Michael Grimes from the Federal Government Affairs team on what's left for Congress to check off the to-do list before November's midterm elections. We also take a look at what to expect after election day. Don’t forget to follow AFSA on Twitter at AFSA underscore DC and on Linkedin – just search for the American Financial Services Association. You can also follow AFSA’s SGA Team on Twitter at AFSA_SGA. The blog at afsaonline.org is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us.
/episode/index/show/afsaonline/id/24311976
info_outline
Philip & Dan Buy Cars | Episode 2: The Dealer
08/24/2022
Philip & Dan Buy Cars | Episode 2: The Dealer
/episode/index/show/afsaonline/id/24156201