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AFS East 2026 Recap: AI, Fraud Risk, and Operational Efficiency in Auto Finance

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The auto finance industry is experiencing a rare alignment of favorable conditions, creating significant opportunities for growth despite broader economic complexities. The market is showing sustained wholesale strength, detailed in presentations at AFS East 2026. The MMR Index is at 106.3%, with consistent appreciation across all vehicle age segments. This stability provides a predictable environment

AFS East 2026 Recap: AI, Fraud Risk, and Operational Efficiency in Auto Finance Read More »

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The Power of Accurate Data & Model Validation in Auto Finance AI

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In the auto finance industry, where fraud prevention, risk assessment, and regulatory compliance are paramount, artificial intelligence (AI) and machine learning (ML) are rapidly reshaping the lending landscape. But as lenders embrace AI-powered automation, one fundamental truth remains: AI is only as good as the data it’s trained on. At Informed.IQ, we understand that data

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Verification, Rewritten: What We Learned at CBA Live

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The lending industry is undergoing a fundamental shift—from manual document review to real-time risk intelligence. At CBA Live, Jessica Pillado Gonzalez shared how that shift is already playing out across credit, operations, and fraud teams. Not theory. Not hype. What’s changing now—and what comes next. The Old Rule Still Applies. But It Looks Different Now.

Verification, Rewritten: What We Learned at CBA Live Read More »

AFSA Vehicle Finance Conference Recap: Auto lending leaders call for collaboration to fight fraud

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The AFSA Vehicle Finance Conference just wrapped up, and was a must attend event for industry veterans seeking to turn the tide on fraud threats facing the auto lending industry. AFSA Vehicle Finance Anti-Fraud Task Force Kicks Off On Sunday, February 1st, AFSA’s Vehicle Finance Anti-Fraud Task Force convened its inaugural conference meeting, followed later

AFSA Vehicle Finance Conference Recap: Auto lending leaders call for collaboration to fight fraud Read More »

Tipping the Seesaw: How Financial Deregulation Opens the Door to Fraud

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The past year has brought a wave of federal deregulation across financial services. We have seen a defanged and depopulated Consumer Financial Protection Bureau (CFPB), an executive order curbing state regulation of AI, and the ending of fair lending disparate impact enforcement. This regulatory retreat likely has lowered compliance costs, but it also has increased

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Great Expectations: How Expectation Definitions Strengthen Document Fraud Detection

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When it comes to fighting document fraud, lenders should have “Great Expectations.” We are not talking about Charles Dickens’ 19th century novel. Rather, we are referring to the ability to quickly distinguish between legitimate and illegitimate income documents using a concept we call “Expectation Definitions.” What is an Expectation Definition? An “Expectation definition” means the

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AI-Driven Portfolio Maintenance: The New Credit Risk Advantage in Auto Lending

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If you only serviced your car once a year, you wouldn’t expect it to run at peak performance. Long before that annual appointment, the oil has already started to break down, belts show wear and filters begin to clog. Lending isn’t much different. When underwriting guidelines and portfolio performance go too long without review, small

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Fair Lending is Dead, Long Live Fair Lending

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 “Le roi est mort, vive le roi!”  The peers of medieval France recited this proclamation to simultaneously acknowledge the death of a king and the continuation of the monarchy. This seemingly contradictory quotation aptly describes my feeling as a fintech compliance practitioner for the current state of fair lending. Ostensibly, recent Federal actions suggest dramatic changes

Fair Lending is Dead, Long Live Fair Lending Read More »

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