Independents Section Board

In 1983, AFSA created the Independents Section to provide a forum for members to exchange information and develop programs and services specifically designed to meet the needs of association independent member companies including traditional installment lenders and subprime auto finance companies. An advisory board of executives from Independent member companies provide leadership to the Independents Section and guide AFSA on initiatives to benefit this industry segment including the leadership of the AFSAPAC. AFSA's Independents Conference and Exposition is the main event for independent finance company owners and operators in the industry. Participate in the annual AFSA Independents Financial Survey provided by RSM McGladrey. The Outstanding Independent Award is presented at the Independents Conference, to an Independent Section member who has contributed to the growth of the financial services industry and has helped raise the image of the independent operator. The Outstanding Employee Award is presented at the annual Independents Conference for outstanding service as proven in performance, achievement and customer service. Contact Perla Manuel at

Committee Members

Mr. Joshua C. Johnson Chair Mariner Finance, LLC
Mr. William C. Fuller, Jr Chair Elect Tidewater Finance Company
Mr. Martin E. Less AFSAPAC Chair Nationwide Acceptance LLC
Ms. Janet L. Matricciani AFSAPAC Vice Chair World Acceptance Corporation
Mr. Bradford D. Borchers Member OneMain Holdings, Inc.
Mr. Stanley L. Butler Member Heights Finance Corporation
Mr. Jeffrey R. Chepkevich Member Regency Finance Company
Mr. Todd M. Copic Member Pioneer/Mariner Financial Group
Mr. Tim Harrelson Member Penn Hill Associates
Mr. Morris R. Marshburn Member RSM US LLP
Mr. Mark McDonald Member Professional Financial Services
Mr. Bradley Noel Member Brundage Management/Sun Loan Company
Mr. Richard H. Parker, III Member United Finance Co.
Mr. Grover E. Todd, Jr Member Credit Central, LLC
Mr. Steve Schmelzer Ex-Officio Personal Finance Company LLC
Mr. Thomas J. Morano Staff Liaison American Financial Services Association