The AFSA Extra Credit Podcast is a quick take on the consumer credit industry from the professionals who work in it every day.
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AFSA Membership Podcasts
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What are Delays Costing Your Company? w/ DRN MVTRAC SCM
26:52
26:52
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26:52In this episode of the AFSA Extra Episode Podcast, Dan discusses delays and their costs with Adam Fader, Senior Manager, Business Development at MVTRAC and Sam Van Scoyoc, VP of Business Development for Secure Collateral Management (SCM), the combination of which forms AFSA Business Partner DRN MVTRAC SCM. Lenders lose millions annually from delaye…
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The Valid When Made Rule: A Decade After Madden
27:23
27:23
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27:23In this episode of the AFSA Extra Credit Podcast, Dan steps aside to let experts take care of a complex legal topic – the Valid When Made Rule. As the Madden v Midland Funding (2015) case turns 10, Steve Obermeier and Jeremy Broggi, Partners with Wiley Rein and Frank Borchert, former CLO/CAO/CRO with Best Egg provide an overview on the rule and wal…
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The Payments Lowdown w/ David Graves @ REPAY
17:59
17:59
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17:59In this episode of the AFSA Extra Credit Podcast, Dan chats with David Graves, VP of Sales with REPAY to get the lowdown on payments. They talk about where the industry stands, some interesting consumer preference trends, new security requirements and the role that AI is playing in the space. You can read more about REPAY's take on payments on the …
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Waiting for Your Next Audit to Manage Risk? Too late...
19:33
19:33
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19:33In this episode of the AFSA Extra Credit Podcast, Dan chats with Brian Johnson, Vice President of Revenue Operations with DataScan on audits, how to manage risk and the importance of embracing real-time data. The upshot? If you're waiting for the next audit to manage risk, you're already behind. Dan and Brian look at inventory risk management throu…
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Action-ready Intelligence w/ Joe Farley & Damion English
24:59
24:59
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24:59In this episode of the AFSA Extra Credit Podcast, host Dan Bucherer chats with Joe Farley, Chief of Sales with DRN MVTRAC SCM & Damion English, Former Member of the Consumer Financial Protection Bureau. Damion and Joe share their expertise on the importance of up-to-the-second information and double down on the idea that the information is only as …
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F&I Sentinel's Stephen McDaniel on F&I Product Complexities
31:50
31:50
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31:50In this episode of the AFSA Extra Credit Podcast, host Dan Bucherer chats with Stephen McDaniel, CEO of F&I Sentinel, about a critical question: why do so many F&I product refund solutions fail? Stephen and Dan explore the complexities of the refund process and the real-world consequences for lenders who don't get it right. They also break down som…
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Conversation w/ the 2025 AFSAEF EDGE& Leadership Program Presidents
30:12
30:12
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30:12In this episode of the AFSA Extra Credit Podcast, host Dan Bucherer chats with the Presidents of the AFSA Education Foundation EDGE and Leadership Development programs. Sandena Peterson, Chris Reyes and Alan Noel share their perspectives on the importance of both THE EDGE and Leadership Development Program as well as some of the things they've lear…
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The Future of Dealer Commercial Lending: Transforming Challenges into Growth
21:32
21:32
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21:32In this episode of the AFSA Extra Credit Podcast, host Dan Bucherer chats with Brian Koprowski, CEO of DataScan, which works with finance companies on wholesale financing and inventory risk management across the entire loan lifecycle. See that title? Kind of right in the wheelhouse. Brian and Dan touch on how the commercial lending landscape has ev…
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The Future of the Direct-to-Consumer Model w/ Bryan Chance, Katie Johar & Eva Kellershof
31:49
31:49
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31:49It's been a minute, but the AFSA Extra Credit Podcast is back for 2025 with fresh takes, knowledgeable experts and crucial conversations on the consumer credit industry. In our first conversation of the year, Dan Bucherer chats with Bryan Chance and Katie Johar of Ernst & Young (EY) and Eva Kellershof of NETSOL on the evolving vehicle purchasing la…
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The Payments Update w/ Steve Murphy, PayNearMe
25:49
25:49
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25:49In this episode of the AFSA Extra Credit Podcast, we're chatting with Steve Murphy, Director of Marketing with PayNearMe, who you may know as the sponsor of the puppies at AFSA conferences. Did you also know they do payments? Technology and the payments industry is moving so quickly that it's important to sit down and take an overview of the state …
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In this episode of the AFSA Extra Credit Podcast, we're joined by Dustin Wesner, Vice President of Product Management with Odessa. With more than 25 years of auto experience, Dustin knows a thing or two about contracting and works closely with Odessa clients to joins us to share his best practices for contracting in 2024 and how lenders can allevia…
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In this episode of the AFSA Extra Credit Podcast, we're joined by David Ralstin, Vice President, Chief Information Security Officer for Allied Solutions. His role provides governance, accountability, and trusted advisory services for technology risk management and information security controls at Allied. Artificial intelligence has been around as a…
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Industry Icon #9 | Suzi Straffon, Allied Solutions
11:30
11:30
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11:30The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features Suzi Straffon, 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…
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Industry Icon #8 | Rochelle McClanahan, Brundage Management/Sun Loan
13:09
13:09
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13:09The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features Rochelle McClanahan, Chief Financial Officer/Compliance Officer with Brundage Management/Sun Loan. She chats with Danielle Fagre Arlowe, SVP of AFSA, on how she ended up in the industry, who her i…
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Industry Icon #7 | Lisa Verdun, Point Perdictive
7:18
7:18
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7:18The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features Lisa Verdun, Senior Fraud Consultant with Point Predictive. She chats with Danielle Fagre Arlowe, SVP of AFSA, on how she ended up in the industry, who her influences are, and where she sees the i…
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Industry Icon #6 | Ginger Herring, 1st Franklin Financial
13:21
13:21
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13:21The 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 Danielle Fagre Arlowe, SVP of AFSA, on how she ended up in the industry, who her influences are, and where she sees the in…
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Industry Icon #5 | Darcy Locke, ACI Worldwide
6:51
6:51
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6:51AFSA 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 Darcy Locke, Vice President, Head of Consumer Finance Sales with ACI Worldwide. She chats with Danielle Fagre Arlowe, SVP of AFSA, on how she ended up in th…
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Industry Icon #4 | Mara McNeill, Toyota Financial Savings Bank
10:21
10:21
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10:21AFSA 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 Mara McNeill, President & CEO of Toyota Financial Savings Bank. She chats with Danielle Fagre Arlowe, SVP of AFSA, on how she ended up in the industry, who …
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Industry Icon #3 | Marguerite Watanabe, Connections Insights
9:33
9:33
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9:33AFSA 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 Marguerite Watanabe, President, Connections Insights. She chats with Danielle Fagre Arlowe, SVP of AFSA, on how she ended up in the industry, who her influe…
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Industry Icon #2 | Kristen Miller, Global Lending Services
11:47
11:47
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11:47AFSA 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 Kristin Miller, SVP, General Counsel & Compliance Officer with Global Lending Services. She chats with Danielle Fagre Arlowe, SVP of AFSA, on how she ended …
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Industry Icon #1 | Tanya Sanders, Wells Fargo
12:11
12:11
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12:11AFSA 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 Tanya Sanders, Head of Wells Fargo Auto. She chats with Danielle Fagre Arlowe, SVP of AFSA, on how she ended up in the industry, who are influences are…
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Ep. 55 | Alternative Data Download w/ Equifax
15:07
15:07
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15:07In 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 consu…
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Ep. 54 | Changing Perspective on Auto Finance
18:22
18:22
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18:22In this edition of the AFSA Extra Credit Podcast, we chat with Robert Steenbergh, Founder & CEO of AutoPayPlus 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 importa…
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Ep. 53 | Creating your company's value proposition
18:10
18:10
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18:10AFSA 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? Terri Horn, Managing Director with People Strategies joins us again to share her findings and best practices on creating and developing your compa…
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Ep. 52 | Fair Lending Pt. 2 w/ CRA's Dr. Adam Gailey
39:38
39:38
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39:38This episode of the Extra Credit Podcast is Part Two of our conversation with, Philip Bohi, VP of Compliance Education and Dr. Adam Gailey, 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, lik…
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Ep. 51 | Fair Lending w/ CRA's Dr. Adam Gailey
45:06
45:06
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45:06In this episode of the podcast, Philip Bohi, VP of Compliance Education talks with Dr. Adam Gailey, 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…
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Ep. 50 | Rick Hackett & Stephen McDaniel on F&I Compliance
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25:25
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25:25In this episode of the AFSA Extra Credit Podcast, Dan chats with Stephen McDaniel, Co-founder & CEO with F&I Sentinel and Rick Hackett, 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 min…
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Ep. 48 | The State of Vehicle Finance w/ Melinda Zabritski
9:12
9:12
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9:12In this edition of the AFSA Extra Credit Podcast, Dan chats with Melinda Zabritski, 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 State of Automotive Finance report. She also looks at affordability and uses her crystal ball to see what what be comi…
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Ep. 47 | Hudson Cook on FTC Safeguards Rule
15:57
15:57
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15:57In this edition of the AFSA Extra Credit Podcast, we tackle the soon-to-be-effective FTC Safeguards Rule. Dailey Wilson, 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 un…
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Ep. 46 | Manatt Returns to Talk CFPB Registries
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38:22The experts from Manatt, Phelps & Phillips 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 fir…
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Ep. 45 | Affordability & Creditworthiness w/ Spencer Slade, PTS
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25:16
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25:16Affordability 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 P…
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Ep. 44 | Olivia Moseley on the Power of The EDGE
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12:32In this episode of the AFSA Extra Credit Podcast Dan chats with Olivia Moseley, 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 …
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Ep. 43 | Celia Winslow & Danielle Arlowe on the Auto Remarketing Podcast
11:24
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11:24AFSA 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 Ne…
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Ep. 42 | Attracting Millennial + Gen Z Talent
33:24
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33:24In 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 …
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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 concert…
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Ep. 40a | An Addendum on the 5th Circuit Decision w/ Manatt
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10:16Given 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.…
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Ep. 40 | Going Deep on CFPB Supervision & Enforcement w/ Manatt
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38:19The 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. Bryan Schneider, Mehul Madia and Scott Pearson join the pod to go deep on the s…
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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 doin…
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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 an…
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Episode 37 | The Importance of Neurodiversity
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20:16This 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…
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Episode 36 | End-of-Summer Federal Affairs Update
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10:11In 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 a…
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Philip & Dan Buy Cars | Episode 2: The Dealer
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Philip & Dan Buy Cars | Episode 1: The Prep Work
24:40
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24:40We've got an special series of episodes for you here on the AFSA Extra Credit Podcast. Over the next three episodes or so, I'll be joined by my colleague Philip Bohi, AFSA's VP of Compliance Education to discuss our recent purchases of new vehicles. We thought, given our work with the vehicle finance industry and our undeniable gift to talk a lot, …
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Episode 35 | Distilling Information w/ Turbine Labs CEO Leigh Fatzinger
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23:36In this episode of the Extra Credit Podcast, we chat with Leigh Fatzinger, CEO with Turbine Labs, a company whose job it is to drink from the firehose of information and distill it down into a fine artesian spring water. AFSA partners with Turbine Labs to provide the daily News You Need as well as provide additional media and sentiment intelligence…
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Episode 34 | Schellman CEO Avani Desai on IT Security
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17:08In this episode of the Extra Credit Podcast, we chat with Avani Desai, CEO of Schellman, a company that specializes in IT security, compliance, assessments, and certifications. Avani spoke at our Vehicle Finance Conference earlier this year and we wanted to bring her back to share some more information with our members. We talk about key cybersecur…
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Episode 33 | AFSA's Celia Winslow on the Auto Remarketing Podcast
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11:29Hi there everyone – we've got a special episode for you today. AFSA Senior Vice President Celia Winslow appeared on the Auto Remarketing Podcast last week with host Nick Zulovich to discuss a number of issues, including some key regulatory developments and the CFPB's reinvigoration of its dormant authority to examine nonbanks companies. We're pleas…
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By American Financial Services Association
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Episode 31 | Updates from Inside the Beltway
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17:44In this episode of the Extra Credit Podcast, we chat with Celia Winslow and Michael Grimes from AFSA's Federal Government Affairs team on what's going on at the CFPB, on Capital Hill and around the District. Don't forget to follow AFSA on Twitter at AFSA underscore DC and on Linkedin – just search for the American Financial Services Association. Yo…
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State of Credit #5 | Neal Monaghan, Colorado
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14:25In the first episode of 2022, we continue our 50-state series, where we'll be asking questions of financial services regulators around the country. We'll make our way through all 50 states getting to know the regulators that are part of our industry. Here, Danielle Fagre Arlowe, Senior Vice President and head of the State Government Affairs team at…
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Episode 30 | Manging Risk Under the Umbrella of Uncertainty
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23:18In this episode, we chat with Solomon Semere, Senior Director, Credit and Marketing Strategy and Craig Stockum, Sales Director both with LexisNexis Risk Solutions about the uncertain risk environment in which we're currently operating. Specifically, Craig and Solomon touch on some driving trends that are affecting consumer demand and market opportu…
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