Several AFSA departments compile white papers throughout the year as resources for the association’s members. The white papers identify current industry challenges and possible ways to address them.

January 2010: Bankruptcy

November 2009: Federal Reserve Board’s Reg Z Mandatory Escrow Requirements

October 2009: Enhancing the Recovery Cycle with Automated License Plate Recognition (ALPR) Technology

August 2009: Mortgage Disclosure Improvement Act

July 2009: Forecasting Losses

May 2009: Collections Servicing

April 2009: Recruiting

The State Government Affairs Department develops white papers on a monthly basis. Each white paper is an in-depth analysis of a particular issue, dealing with all legislation introduced on the topic at the state level. Each is a snapshot in time of the history of the issue and current legislation on the matter.

White Papers
36 Percent Rate Cap Legislation (August 2009)
Ancillary Products (February 2010)
Antitrust 101: A Primer on the Concepts (May 2006)
Appraisal Management Companies (May 2010)
Auto Dealer Insolvency (May 2009)
Car Buyers' Bill of Rights Updated (November 2008)
Case for Installment Lending (updated September 2009)
Consumer Protection Act (August 2010) New!
Credit CARD Act, Regulation AA, and Regulation Z (Updated September2009)
Credit Checks for Job Applicants (June 2010)
Credit Counseling and the Uniform Debt Management Services Act (July 2009)
Foreclosure Moratorium (August 2008)
Foreclosure Prevention & Mortgage Loan Modification (June 2009)
Interchange Fees (July 2008)
Live Checks/Convenience Checks (September 2008)
Payday Lending Databases (November 2009)
Privacy (October 2008)
Real ID Act (March 2009)
SAFE Act (February 2009)
SAFE Act Legislative and Regulatory Update (December 2009)
Security Breach and Identity Theft (July 2010)
Small Loan Interest Rate Cap (May 2008)
State Executive Task Forces on Foreclosures (March 2008)
Suitability and Continuum (March 2010)
Vacant Property Upkeep (December 2008)
Vehicle Driver/OwnerLiability Shifting (December 2009)
Vehicle Franchise Legislation with Captive Finance Provisions (April 2010)  
Year in Review/Preview for the 2010 Session (January 2010)
Year in Review/Preview for the 2009 Session (January 2009)
Year in Review/Preview for the 2008 Session (January 2008)


Archived (old) White Papers

April 2010 - The Commercial Reasonableness of Online Auctions When Selling Motor Vehicles