The AFSA Extra Credit Podcast is a quick take on the consumer credit industry from the professionals who work in it every day. Listen below or subscribe wherever you get podcasts.

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Episode 16 | Trending Payment Data & Insights During COVID-19

In this episode of the AFSA Extra Credit Podcast we talk with Mike Kaplan, CRO with PayNearMe. In mid-May, PNM unveiled a study entitled Consumer Bill Pay Trends During COVID-19. PayNearMe analyzed hundreds of thousands of bill payments made by U.S. consumers between March 1 and April 17 to explore the impact the COVID-19 pandemic is having and may have over the long term. The insights are very interesting and some, surprising.

COVID-19 Payment Trends


Previous Episodes

Episode 15 - Auto Remote Sales Compliance

In this episode of the AFSA Extra Credit Podcast we talk with Eric Johnson, Partner with Hudson Cook LLP. As the American economy reopens, businesses are looking for ways to remain accessible to their consumers while prioritizing their safety and comfort. Remote auto sales have been around an important part of the marketplace for many years, but have recently become more popular due to pandemic health and safety requirements. Eric works in many areas of consumer finance law and specializes in remote sales and compliance.

We talk a bit about the laws and regulations that vehicle finance lenders need to be aware of as they work with more automobiles that were sold off the dealership's property. We also take a look at compliance best practices.


Episode 14 - AFSA: Locked In During Lockdown

In this episode of the AFSA Extra Credit Podcast we talk with Danielle Fagre Arlowe, the head of AFSA's State Government Affairs team, about what AFSA's been doing on the state front to advocate for members and the variety of resources the group has developed. We also chat with Celia Winslow, who leads the association's federal government affairs department, about AFSA's advocacy activities during lockdown. Visit afsaonline.org/coronavirus for more information.


Episode 13 - COVID-19 Conversations. Pt. 2 | David Anthony & Sadia Mirza, Attorneys w/ Troutman Sanders

This is part two of our AFSA Extra Credit Podcast series covering the COVID-19 pandemic.In this conversation, we’re speaking with David Anthony and Sadia Mirza, also with Troutman, on the overall impact of the virus, including debt collection, credit reporting and the TCPA, and also some cybersecurity aspects to think about. Because of the complex nature of these topics, you’ll notice the conversations are a bit longer as well. Be sure to check out AFSA’s coronavirus resource page, the AFSA blog, and social media for the most up to date information. 

David Anthony
Sadia Mirza
Troutman Sanders COVID-19 Page


Episode 12 - COVID-19 Conversations. Pt. 1 | Jemery Tomes & Emily Schifter, Attorneys w/ Troutman Sanders

The next two episodes of the AFSA Extra Credit Podcast are a bit different. We’ll be talking with attorneys from Troutman Sanders about the impact the coronavirus is having on the consumer credit industry. Throughout the conversation, our guests highlight some key aspects to think about. The first part features Jeremy Tomes and Emily Schifter. We talk about the SBA PPP program as well as some important employee logistics issues. Our second conversation, which we will post early next week, is with David Anthony and Sadia Mirza on the overall impact of the virus and some cybersecurity aspects to consider. Because of the complex nature of these topics, you’ll notice the conversations are a bit longer as well.
Emily Schifter
Jeremy Tomes
Troutman Sanders COVID-19 Page

Episode 11 - Dr. Barbara O’Neill, the owner and CEO of Money Talk, AFSAEF Consultant

In this episode of the AFSA Extra Credit Podcast, we're speaking with Dr. Barbara O’Neill, the owner and CEO of Money Talk, which offers financial literacy materials and seminars. She also serves as a consultant for the AFSA Education Foundation’s MoneySKILL program. We talk a bit about the radio media tour Barbara undertook late last month in support of MoneySKILL and the value the program brings to students and other users across the country. We touch on the fundamentals the curriculum teaches and how those fundamentals are key to financially successful consumers.


Episode 10 - Ginger Herring, President & CEO, 1st Franklin Financial Corp.

In this episode of the AFSA Extra Credit Podcast, we’re speaking Ginger Herring, President & CEO of 1st Franklin Financial Corp. Ginger is a third generation leader of 1st Franklin, which has been offering consumer credit products on Main Streets across the South since 1941. We talk about the important role of face-to-face contact and how fortunate Ginger feels to have a role in the lives of her neighbors for more than six decades. We also touch on how some public policies are threatening that role.


Episode 9 - Stan Butler, President & CEO, Heights Finance

In this episode of the AFSA Extra Credit Podcast, we’re speaking with Stan Butler, President & CEO of Heights Finance. We talk a bit about the difference Stan sees in banks versus consumer credit companies like Heights. We also touch on fintech and rate caps and both the challenges and opportunities they provide.


Episode 8 - Rhonda Asburn, Executive Director, AFSAEF

In this episode of the AFSA Extra Credit Podcast, we’re speaking with Rhonda Ashburn, Executive Director of the AFSA Education Foundation. We touch on the power of financial education and look at the many successes the Foundation has had in 2019. We also take a look at the path forward in 2020, when AFSAEF will be celebrating its 30th anniversary.


Episode 7 - Frank Salinger

In this episode of the AFSA Extra Credit Podcast, we’re speaking with Frank Salinger, a longtime consultant for and former staff member of AFSA. Frank really needs no introduction – he’s been an integral part of protecting access to consumer credit since he joined the industry in the late 1970’s. We talk about what he’s working on with AFSA now and he gives his opinion on what AFSA members need to be focusing on right now.


Episode 6 - Rohit Dewan, Head of Public Policy, OneMain Financial

In this episode of the AFSA Extra Credit Podcast, we speak with Rohit Dewan, Head of Public Policy with OneMain Financial. OneMain offers personal and auto loans in 44 states. We talk about some of the issues Rohit and OneMain see in the consumer credit space, including debt settlement companies. We also touch on some of the things Rohit has learned throughout his career.


Episode 5 - John Findley, CEO, Lemonade Training

On this episode of the AFSA Extra Credit Podcast, we're speaking with John Findley, CEO of LemonadeTraining, a company that helps businesses develop game-based education programs. We talk a bit about game-based training, but really take the opportunity to talk about LemonadeTraining’s new whitepaper that delves into ways companies can overcome obstacles to digital adoption across generations. We touch on the important role that front line staff plays in digital adoption and some of the hurdles we face dealing with different consumers.


Episode 4 - Simon Keymer, Keymer Inc. & AFSA SGA Consultant 

In this episode of the AFSA Extra Credit Podcast, we talk with Simon Keymer, who has worked with AFSA’s state government affairs team for the last several years. This is the last of our recordings from AFSA’s Annual meeting. We talk about what he’s working on with SGA and the trouble he sees with Referendums. He also speaks about what he’s learned in his career and shares some best practices. 


Members can access SGA's whitepapers, 50-state surveys and talking points via the SGA Resources area of the website. Follow AFSA SGA on Twitter @AFSA_SGA

 

 
EXTRA | Danielle Fagre Arlowe on NCLC Report 
In this EXTRA, AFSA Senior Vice President Danielle Fagre Arlowe talks about the recent report from the National Consumer Law Center (NCLC). We point out some of the areas where the report falls short and talk about AFSA's response.
 
Episode 3: Paul Hale, Senior Vice President, Security Finance Corp. & 2019 AFSAEF Leadership Development Program President
In this episode of the Extra Credit Podcast we speak with Paul Hale, Senior Vice President of Security Finance Corp. and President of the 2019 AFSAEF Leadership Development Program at UNC. We pull off to the side of AFSA’s Annual Meeting in Nashville to talk about his concern about debt settlement companies and how they are negatively effecting customers. He also speaks about what he’s learned in his career and shares some best practices.

 

 

 
Episode 2: Rex Ellison, President & CEO - Republic Finance | AFSAEF Chairman 
In this episode of the AFSA Extra Credit Podcast, we speak to Rex Ellison, President & CEO of Republic Finance and Chairman of the AFSA Education Foundation. Rex shares with us some best practices for building a successful traditional installment lending business and tells us about a what he's learned in his career so far. Rex also shares a powerful story about the impact installment loans can have on the lives of ordinary Americans.

 

Episode 1: AFSA President & CEO Bill Himpler
Our inaugural episode is a little different – today we’re talking with AFSA President & CEO Bill Himpler about our upcoming Annual Meeting, taking place next week in Nashville.