Best Auto Lending Insights Podcasts (2025)

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Dealers grapple with new registration requirements, ATPs rise 8:25

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2h ago8:25

8:25

New identification requirements for vehicle registrations in Texas have prompted concerns from dealers and lenders about a potential increase in unregistered or uninsured cars on the road. The Texas Department of Motor Vehicles in a Nov. 19 bulletin clarified that documentation required to register vehicles or renew registrations cannot include exp…

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Driving Efficiency and Resilience in the Mortgage Industry 19:53

7d ago19:53

19:53

Jennifer Henry of Equifax sits down with Andrew Davidson, president of Andrew Davidson & Co. and a leading voice in mortgage analytics, to unpack one of the most misunderstood elements of housing finance: credit scores. They explore what a credit score actually measures, why different models and bureaus produce different results, how VantageScore’s…

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EV sales slow in November, used-vehicle values flat 8:16

7d ago8:16

8:16

Electric vehicle sales declined at most major manufacturers in November on the heels of an uptick in EV share of total new-car sales in the third quarter, due in large part to a pull-ahead of purchases before the federal EV tax credit expired. Automakers including American Honda, Ford Motor, Hyundai, Subaru and Toyota reported double-digit year ove…

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Decoding the Price Tags - Understanding Vehicle Valuation Guides 34:23

13d ago34:23

34:23

Discover the secrets behind vehicle pricing in this Season 5 premiere of Drive To Success: Mastering Auto Finance! Host John Lewis breaks down the critical differences between wholesale and retail auto pricing, then dives deep into the three major vehicle valuation guides every automotive professional needs to know: Black Book, Kelley Blue Book (KB…

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Tricolor’s 10K vehicles could be sold by March 8:40

14d ago8:40

8:40

Bankrupt subprime retailer Tricolor’s 10,000 remaining vehicles may be sold by March 2026 if trustee Anne Burns’ motion is approved. Tricolor backup servicer Vervent and vehicle management company Holman will sell all remaining vehicles, if the motion is approved by Judge Michelle Larson. This includes vehicles that may belong to Tricolor’s credito…

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Flagship sold to investment firm, Prestige halts originations 7:53

21d ago7:53

7:53

Last week brought more shakeups in the auto finance industry as lender Flagship Credit Acceptance announced it was finalizing a sale of the company to an investment firm, while Prestige Financial Services stopped originations. Chadds Ford, Pa.-based Flagship announced on Nov. 21 that it had entered into an agreement to sell the business to New York…

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The Tricolor Holdings Collapse - The No-Show That Changed Everything 37:08

26d ago37:08

37:08

Tricolor executives failed to appear at today's Section 341 creditor meeting—a stunning development that's reshaping this massive fraud case. In this urgent episode of Drive To Success, host John Lewis delivers breaking news coverage and an analysis of what happened in Dallas federal bankruptcy court. More than 150 participants joined the meeting, …

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Credit File Contradiction: Why is Each Different? 26:40

28d ago26:40

26:40

HousingWire CEO Clayton Collins brings together an unprecedented trio — Joel Rickman (Equifax), Michele Bodda (Experian), and Satyan Merchant (TransUnion) — for a first-of-its-kind conversation on how data is redefining the mortgage process. The three leaders also unpack key topics dominating the MBA Annual 25 conference floor — from the tri-merge …

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Future of CFPB funding questioned 8:52

28d ago8:52

8:52

The compliance industry continues to face headwinds as funding for the Consumer Financial Protection Bureau is in jeopardy after the Department of Justice recently ruled that the bureau cannot request money from the Federal Reserve. The DOJ’s Nov. 7 ruling states that the “combine earnings of the Federal Reserve system” — laid out by the Dodd-Frank…

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The Tech Reshaping Mortgage Lending 20:39

1M ago20:39

20:39

How are innovation, data, and AI are transforming the mortgage experience? Wendy Hannah-Olson, SVP of Digital Alliances and Strategy Execution at Equifax, sits down with Jonas Moe, SVP of Marketing at ICE Mortgage Technology to discuss this evolution, from streamlining operations and improving borrower engagement to keeping the human connection at …

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Spot Delivery Dilemma 18:24

1M ago18:24

18:24

In this eye-opening episode, John Lewis tackles one of the most controversial practices in automotive retail: spot delivery, also known as "yo-yo financing." Whether you're a dealer trying to navigate compliance, a finance manager protecting your business, or simply curious about automotive finance practices, this episode delivers critical insights…

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The Real Cost of Credit Reports: Data, Competition & Policy Implications 44:18

1M ago44:18

44:18

Emmaline Aliff of Equifax joins Dr. Amy Crews Cutts, Chief Economist at AC Cutts & Associates, to unpack the real costs and competitive dynamics of mortgage credit reporting. They dig into what the data actually shows about tri-merge pricing, lender negotiation power, fallout loans, and the entry of VantageScore. In this episode: What is the true c…

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CarMax replaces CEO, EV makers report Q3 growth as car sales mixed 3:56

1M ago3:56

3:56

Auto retailers and fintechs mostly reported growth in the third quarter amid mixed October retail sales, flat vehicle values and some layoffs. CarMax named David McCreight as its interim president and CEO, replacing Bill Nash, effective Dec. 1. Nash is not retiring, and the shakeup comes as the Richmond, Va.-based retailer’s comparable store used-v…

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Mortgage Industry Evolution: Data, Transparency, & the Future of Lending 18:52

1M ago18:52

18:52

Recorded live at MBA Annual 2025, HousingWire CEO Clayton Collins talks with Joel Rickman, SVP of Verification Services/Workforce Solutions at Equifax, and Justin Demola, President of Lenders One, about the ripple effects of FICO’s new pricing model, the rise of VantageScore, and how smarter lending data can drive efficiency, affordability, and inn…

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Lenders eye affordability, subprime finance as credit performance weakens 4:24

1M ago4:24

4:24

Auto lenders are homing in on key areas of underwriting to manage risk and grow in 2026 as the subprime market continues to face challenges with credit performance and affordability. Improved loan decisioning, declining interest rates, the use of data and analytics, and responsible growth are top of mind for auto lenders into next year, leaders sai…

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Crossing the Generational Divide Approach To Auto Financing 15:57

1M ago15:57

15:57

n this episode of Drive To Success: Mastering Auto Finance, host John Lewis explores the fascinating generational divide in auto financing preferences. From Gen Z's digital-first approach to Millennials' value-conscious optimization and Gen X's relationship-focused strategies, each generation brings unique expectations to the car-buying process. Le…

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How Credit Score Competition Is Reshaping the Mortgage Market 18:52

1M ago18:52

18:52

At MBA Annual 2025, HousingWire CEO Clayton Collins interviewed Rikard Bandebo, Chief Strategy Officer and Chief Economist at VantageScore, about one of the biggest industry shifts in decades: the entrance of VantageScore into the mortgage ecosystem. In this episode: Why is credit score competition important? For decades, the mortgage industry has …

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MBA Annual25 Day 2: Tri-Bureau, Triggers & Tooling Up 16:14

2M ago16:14

16:14

Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman and guests Ashley Sellers, Elaina McFarland, and Bobby Deery break down what lenders are asking for right now: AI-driven workflow efficiency, expanding use of soft-pull strategies, and dual processing to analyze Vantage Score alongside existing scores. Who are the speakers? Rebecca K…

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MBA Annual25 Day 1: Data, Innovation & the Future of Mortgage Lending 21:25

2M ago21:25

21:25

Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman, SVP of Experience and Partner Marketing at Equifax, sits down with Emmaline Aliff, Tom Ciulla, and Chris Mock to unpack the biggest themes from Day One — from innovation and data-driven lending to the industry’s ongoing dialogue around tri-merge vs. single-bureau credit models. Who …

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The Repo Law Maze 17:12

2M ago17:12

17:12

Welcome to another episode of "Drive To Success: Mastering Auto Finance" with your host, John Lewis. In this essential episode for auto finance professionals, we dive deep into the challenging world of state-by-state repossession laws and the complex compliance maze they create for lenders operating across multiple states. John breaks down the most…

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Tricolor bankruptcy prompts calls for transparency, portfolio reviews 12:52

2M ago12:52

12:52

Investors are seeking more transparency following Tricolor’s Chapter 7 bankruptcy filing last month, which has also prompted several auto lenders to review their books and assure investors of loan quality and operational health. The auto finance industry and asset-backed securitization issuers could benefit from more transparency and consistency in…

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The Blockchain Revolution - How Distributed Ledger Technology Is Transforming Auto Title and Loan Verification 20:20

2M ago20:20

20:20

California has put 42 million car titles on blockchain – and this is just the beginning. In this solo episode, host John Lewis explores how blockchain technology is transforming auto title and loan verification, transitioning from an experimental concept to a live implementation. Starting with California's groundbreaking blockchain title system, Jo…

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Auto Finance Summit 2025 highlights industry strength, challenges 6:13

2M ago6:13

6:13

Auto Finance Summit 2025 shed light on how auto lenders are responding to challenges facing the wider market, including credit performance, affordability and evolving technologies. Following subprime buy here, pay here lender Tricolor’s Sept. 10 Chapter 7 bankruptcy filing, auto asset-backed securities spreads widened, Kayvan Darouian, director of …

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Market Pulse Index: A Holistic View of Consumer and Market Health 35:37

2M ago35:37

35:37

As the U.S. government shutdown delays key economic data, the Equifax Advisors team steps in with deeper insights. Host Emmaline Aliff is joined by Jesse Hardin, Tom O’Neill, and Maria Urtubey to unpack the indicators that matter most when visibility is limited—and to debut the Market Pulse Index, a new holistic measure capturing the intersection o…

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Right to Repair Revolution - How Legislative Changes Are Reshaping Vehicle Values and Loan Risk 23:17

2M ago23:17

23:17

What if a simple legislative change could increase your vehicle portfolio's residual values by 10-15%? In this updated solo episode, host John Lewis delves into the rapidly evolving Right to Repair movement and its significant implications for the auto finance industry. Starting with a real-world story of a $12,000 Tesla repair (with some repairs n…

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Powersports trends, Tricolor bankruptcy latest and preview of Auto Finance Summit 2025 8:40

2M ago8:40

8:40

The powersports industry continues to grapple with volatile market conditions including rising prices, falling sales, waning consumer demand and a rapidly changing compliance landscape, but there are some lenders and dealers who have proven themselves resilient. Auto Finance News today announced 11 powersports executives to watch heading into 2026 …

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The Credit Union Advantage 23:23

2M ago23:23

23:23

By John Lewis

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Tricolor court proceedings begin, fraud investigation confirmed 6:59

2M ago6:59

6:59

By Auto Finance News

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100 Billion Auto Dealership Buy-Sell Boom 17:18

3M ago17:18

17:18

In this episode of Drive to Success: Mastering Auto Finance, host John Lewis breaks down the record-breaking world of dealership mergers and acquisitions. With 510 completed transactions in 2024 and a 258% increase in dealers seeking to sell, we explore the critical concept of Blue-Sky valuation and why it's driving unprecedented dealership values.…

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Sales, supply, promotions dominate Powersports Finance Summit 2025 5:28

3M ago5:28

5:28

Powersports dealers are working closely with manufacturers to balance supply with a decline in sales and worsened consumer confidence, themes that were prevalent during Powersports Finance Summit 2025, held Sept. 23-24 in Columbus, Ohio. Lender Octane, for one, is working to provide the technology and finance programs needed to support dealerships …

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Why Every Driver Should Know About NHTSA and Vehicle Recalls 21:34

3M ago21:34

21:34

In this comprehensive episode of Drive to Success: Mastering Auto Finance, host John Lewis provides an in-depth exploration of NHTSA's role in vehicle safety, detailed recall statistics, advanced recall management strategies, and the financial implications of vehicle recalls. Whether you're a consumer, a finance professional, or an automotive indus…

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An automotive business expert breaks down the Tricolor bankruptcy 15:23

3M ago15:23

15:23

As the Department of Justice investigates the alleged fraudulent claims against Tricolor Auto Acceptance, one expert warns that there may not be enough collateral to satisfy the subprime lender’s outstanding debt with all its financiers. In more common bankruptcy scenarios, assets are liquidated to repay outstanding debt. “What makes it a little bi…

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What Lenders Need to Know About a Fast-Changing Regulatory Landscape 35:04

3M ago35:04

35:04

Host Jesse Hardin sits down with Stephanie Gunselman, head of Federal Government Relations at Equifax, for a wide-ranging look at how Washington is shaping the future of lending and credit reporting. From a cooling labor market and inflation to evolving priorities at the CFPB, they explore the latest legislative and regulatory developments — includ…

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How Lemon Laws Are Reshaping Auto Lending 11:15

3M ago11:15

11:15

In this episode of Drive to Success: Mastering Auto Finance, we pull back the curtain on one of the most overlooked risks in the $1.4 trillion auto loan market: lemon laws. What happens when a brand-new car turns out to be a mechanical disaster—and the law forces a buyback? Spoiler alert: it’s not just the automaker who pays the price. Captive fina…

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Breaking down Tricolor Auto’s collapse 7:03

3M ago7:03

7:03

Tricolor Auto Acceptance’s chapter 7 bankruptcy filing on Sept. 10 has led to ratings downgrades for the financier and talks of potentially wider implications for the buy here, pay here and subprime markets. The Texas-based buy here, pay here retailer and lender closed its dealerships in tandem with its filing for liquidation. Since then, ratings a…

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Record-High Car Payments & 84-Month Loans 11:36

3M ago11:36

11:36

In this eye-opening episode of Drive to Success: Mastering Auto Finance, host John Lewis unpacks the alarming financial reality facing today’s car buyers. With 1 in 5 Americans now paying over $1,000 a month for a new car and record numbers of 84-month loans, the traditional model of auto ownership is being stretched to the breaking point. John exp…

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BHPH dealer Oak Motors’ applications up 30%, approvals fall 30:54

3M ago30:54

30:54

Buy here, pay here dealership Oak Motors is slowing approval of credit applications as long-term affordability concerns persists and despite increased volume. Anderson, Ind.-based Oak Motors’ applications were up 30% year over year at the beginning of September, according to data the dealership group provided to Auto Finance News. The dealership gr…

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What is SAAR? and Why It Matters in Auto Finance. 10:48

3M ago10:48

10:48

In this episode of Drive to Success, host John Lewis breaks down a vital yet often misunderstood metric in the automotive and lending industries — SAAR, or the Seasonally Adjusted Annual Rate. You'll learn: What SAAR is and how it’s calculated Why it plays a critical role in auto lending strategies How credit analysts, lenders, and dealers use SAAR…

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What’s on Lenders’ Minds in 2025? Insights from Equifax Advisors 38:35

4M ago38:35

38:35

Equifax Advisors Maria Urtubey, Emmaline Aliff, Tom O’Neill, Jesse Hardin, and Dave Sojka share what they’re hearing directly from Equifax lending customers across industries. From student loan repayment impacts to shifting auto lending dynamics and tariff uncertainty, the team highlights the questions lenders are asking, the insights uncovered in …

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The Power of Emotional Intelligence and Team Synergy in Auto Finance 13:30

4M ago13:30

13:30

In this episode of Drive To Success: Mastering Auto Finance, we dive into the transformational power of emotional intelligence (EI) and how it drives team synergy across departments like inside and outside sales, retail credit, funding, risk management, and leadership. Learn why EI is essential for building stronger communication, fostering collabo…

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Floorplan finance fraud on the rise; CUs lean into auto 11:48

4M ago11:48

11:48

As fraudulent activity picks up across the automotive industry, floorplan financiers are also seeing an uptick in dealers disappearing with vehicles or submitting false documents. Floorplan lenders such as NextGear Capital and Westlake Flooring Services in recent months saw a rise in the volume of fraud and more dealers defaulting on their lines of…

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The Interplay Between Credit Decisioning and Auto-Backed Securities 10:54

4M ago10:54

10:54

In this episode of Drive To Success: Mastering Auto Finance, we explore the critical connection between credit decisioning and auto-backed securities (ABS). Host [Your Name] dives deep into how credit analysts' decisions—such as rate shaves and rate exceptions—impact the cost of funds for auto loan portfolios and the performance of ABS. Learn how t…

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Proposed CFPB rule change teases win for nonbank lenders 6:46

4M ago6:46

6:46

Nonbank auto lenders may soon have a reason to celebrate, following a proposed rule change by the Consumer Financial Protection Bureau to how it defines larger participants of the auto market. On Aug. 7, the bureau filed an advanced notice of proposed rulemaking to change the definition of a larger participant in auto to nonbank entities with up to…

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Unlocking the Power of E-Contracting in Your Dealership 11:43

4M ago11:43

11:43

In this episode of Drive To Success: Mastering Auto Finance, we explore the transformative power of e-contracting and how it’s reshaping the future of auto dealerships. We dive deep into the benefits of digital finance processes, from faster funding and improved accuracy to enhanced customer experiences and operational efficiency. Learn about the k…

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Podcast: Vehicle repair costs up 43% since 2019, Synchrony says 20:19

4M ago20:19

20:19

Amid sustained inflation, more high-tech vehicles in the market and tariff-induced uncertainty, aftermarket repair costs are steadily climbing. Vehicle repair costs are up 43% since 2019 to an average of up to $1,700 per visit, according to data provided to Auto Finance News by lender Synchrony Financial. Three factors contributed to the rise, Keit…

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Knowledge Management in Credit Analysis 9:59

4M ago9:59

9:59

In this inspiring episode of Drive To Success: Mastering Auto Finance, we explore how Senior Credit Analysts can transform their performance and influence using the power of knowledge management. From navigating complex decisions in Defi-Solutions to turning instinct into documented insight, this episode introduces four essential tools—Decision Mem…

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Carvana’s sales surge in Q2, Ford Credit, retailers’ results mixed 7:18

4M ago7:18

7:18

Auto companies saw mixed results in the second quarter related to sales and finance volume, as Carvana’s originations surged, Ford Credit’s earnings rose and Credit Acceptance Corp. and Penske Automotive faced declines. Carvana’s originations soared 51.1% year over year in Q2 to $3.1 billion, while Credit Acceptance Corp.’s originations plummeted 1…

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Consumer Wealth Trends: What Financial Marketers Need to Know 26:13

5M ago26:13

26:13

Equifax Senior Advisor Tom O’Neill sits down with Ian Wright, Chief Strategy Officer at IXI, to unpack the shifting landscape of consumer wealth in a post-COVID economy. Drawing on exclusive IXI data, they explore how total U.S. household assets have grown to over $66 trillion—while the median household has actually lost ground. The conversation di…

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Pagaya president speaks to fintech’s lending strategy 27:53

5M ago27:53

27:53

Pagaya Technology’s lenders are leaning on the expansion of their dealership networks for growth as credit quality worsens and credit access remains mixed. Credit access climbed 3.6% year over year and 0.8% month over month in June according to the DealerTrack Credit Availability Index published July 10. This marked the second consecutive month of …

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How KPIs and Feedback Loops Empower Credit Analysts 11:24

5M ago11:24

11:24

In this transformative episode of Drive To Success: Mastering Auto Finance, we dive deep into how Key Performance Indicators (KPIs) — when paired with powerful feedback loops — can unlock next-level performance for credit analysts. Learn how to go beyond data dashboards and use KPIs as strategic tools to improve underwriting accuracy, manage risk, …