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American Financial Services Association
Protecting Credit Since 1916
CONSUMER
DRIVEN
INNOVATION
19TH AFSA
VEHICLE FINANCE
CONFERENCE & EXPOSITION
January 20-22, 2015
Westin St. Francis Hotel on Union Square
San Francisco, California
Program printing provided by
Follow us on
@AFSA_DC | @AFSA_SGA | #AFSAmtgs
FIS IS YOUR
COMPETITIVE
ADVANTAGE
for an industry that is in
constant motion.
FIS, the world’s largest provider of banking and
payments technology, is pleased to announce
that CMSI has now joined the FIS family.
FIS continues to provide the leading end-to-end
technology and services solution to the auto
finance industry. Visit us in Booth 207.
www.fisglobal.com
© 2014 FIS and/or its subsidiaries. All Rights Reserved.
2015 AFSA VEHICLE FINANCE
CONFERENCE PLANNING COMMITTEE
CHAIR
Joy Falotico
Executive Vice President
Marketing, Sales, Americas
and Strategic Planning
Ford Motor Credit
Company
MEMBERS
Michael A. Benoit
Caren Roberson
Partner
Director of Communications
Hudson Cook, LLP
Wells Fargo Dealer Services
Ann Bybee
Kathy Ruble
Vice President, Corporate
Strategy, Communications &
Community Relations
Toyota Financial Services
Farouk Ferchichi
Chief Data Officer and Head of
Business Intelligence
Vice President, Dealership
Development Services
Ally Financial
Alex M. Sarafian
Senior Vice President,
Consumer Risk
Toyota Financial Services
General Motors Financial
Company, Inc.
George Halloran
Scarlett K. Smith
BenchMark Consulting
International
FIS
Executive Consultant
Michael J. McConnell
VP, Sales, Marketing, Commercial
Lending and Corp. Planning
Business Development Executive
Mike Urrutia
Senior Vice President,
Operations Support
Nissan Motor Acceptance Corp.
General Motors Financial
Company, Inc.
Tom Morano
Marguerite Watanabe
Vice President, Meetings &
Conferences
American Financial Services
Association
President
Connections Insights
Elizabeth Webb
Executive Vice President &
Chief Marketing Officer
Exeter Finance Corp.
WWW.VEHICLEFINANCECONFERENCE.COM
3
GENERAL INFORMATION
HOTEL
The Westin St. Francis Hotel
335 Powell Street
San Francisco, CA 94012
(415) 397-7000
ATTIRE
Business attire recommended
REGISTRATION CENTER
Italian Ballroom
Tuesday, January 20
7:00 a.m. - 7:00 p.m.
Wednesday, January 21
7:30 a.m. - 6:30 p.m.
EXPOSITION HOURS
Grand Ballroom
Tuesday, January 20
5:30 p.m. - 7:00 p.m.
Wednesday, January 21
8:00 a.m. - 8:30 a.m.
10:00 a.m. - 10:45 a.m.
12:30 p.m. - 1:30 p.m.
3:30 p.m. - 4:00 p.m.
5:00 p.m. - 6:30 p.m.
Thursday, January 22
8:00 a.m. - 8:30 a.m.
9:30 a.m. - 10:00 a.m.
Thursday, January 22
7:30 a.m. - 12:00 p.m.
Optimize Your Conference Experience
with the 2015 AFSAVF Mobile App!
 Access up-to-the minute session and event updates
 Plan your day and build your own personalized schedule
 Electronic exhibit hall, featuring company descriptions and
booth locations
 Easily exchange contact information with other attendees
 Stay organized by creating custom notes
DOWNLOADING THE AFSA MOBILE APP IS EASY
For iPhone & iPad and Android
phones: Visit the App Store
or Google Play Store on your
phone and search for AFSA.
Click the app icon to begin
your download.
Log in with the email you
registered with.
Password: AFSAVF15
Sponsored
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by
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
THANK YOU
2015 CONFERENCE SPONSORS!
DIAMOND LEVEL ($25,000+)
Opening/Keynote Speaker
Vehicle Finance Board Dinner
FIS
PLATINUM LEVEL ($15,000 - $24,999)
Welcoming Reception
Vehicle Finance Board Reception
TransUnion
GOLD LEVEL ($10,000 - $24,999)
Hotel Room Keys
Headshot Lounge
Sword Apak SILVER LEVEL ($5,000 - $9,999)
Allied Business Systems, LLC
General Session:
Regulatory and Legal Uncertainties
Conference Mobile App
Black Book
Conference Roster
Carleton, Inc.
CapitalOne Bank, NA
Tuesday Afternoon and
Thursday Morning Refreshments
Clarity Services, Inc.
California Wine Reception
Digital Recognition Network
Tuesday Evening
Turndown Service
Experian
FactorTrust
General Session: Consumer-Driven Data
Mobile Charging Locker
FICO
Independents Auto Finance Executives/
Vehicle Finance Board Luncheon
Fiserv.
Lunch in Exhibit Hall
GWC Warranty
Independent Auto Finance
Executive Group Dinner
WWW.VEHICLEFINANCECONFERENCE.COM
5
THANK YOU
2015 CONFERENCE SPONSORS!
SILVER LEVEL ($5,000 - $9,999)- CONT’D
Pad Folios
Kelley Blue Book
CEO Panel
Oracle
ORCC/SGA Joint Dinner
PassTime
Law Committee Dinner
Severson & Werson
Conference Program Printing
SourceLink
White Clarke Group, Inc. Audience Response Technology
General Session: Top Finance
and Dealer Issues
Wolters Kluwer Financial Services
BRONZE LEVEL ($2,000 - $4,999)
Speaker Fund
Allied Solutions
Exposition
Lounge Area
CounselorLibrary®/
Hudson Cook, LLP
Tote Bags
Dealertrack Technologies
Independent Auto Finance
Executive Group Breakfast
defiSOLUTIONS
Wednesday Afternoon Refreshments
Equifax, Inc.
Conference Wi-Fi
GENPACT
Wednesday Breakfast
GOLDPoint Systems
Wednesday Morning Refreshments
McGladrey, LLP
Law/SGA Committee
Luncheon (Wednesday)
McGlinchey Stafford
Nomis Solutions
Thursday Morning Breakfast
PDP Group, Inc.
Welcoming Reception Entertainment
Route 66 Extended Warranty
Wells Fargo Preferred Capital
6
Conference Pens
General Session:
State of the Auto Finance Industry
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
PROGRAM SCHEDULE
All events are held at
THE WESTIN ST. FRANCIS
unless otherwise noted
MONDAY, JANUARY 19, 2015
6:15 p.m. – 9:00 p.m. EPIC ROASTHOUSE RESTAURANT
Independent Auto Finance
369 The Embarcadero
Executive Group Reception/Dinner
(Shuttle bus departs at 6:15 p.m. from Post Street)
Sponsored by
TUESDAY, JANUARY 20, 2015
7:00 a.m. – 7:00 p.m.
ITALIAN ROOM
AFSA REGISTRATION DESK
8:00 a.m. – 9:30 a.m.
BORGIA
8:00 a.m. – 8:45 a.m.
ELIZABETHAN A
AWARE Board Meeting/Breakfast
Independent Auto Finance Executive
Group Breakfast
(By invitation)
Breakfast sponsored by
8:45 a.m. – 11:30 a.m.
ELIZABETHAN B
Independent Auto Finance Executive
Group Meeting
(By invitation)
8:00 a.m. – 5:30 p.m.
CALIFORNIA WEST
Law Committee Breakfast/Meeting
(Separate registration required)
WWW.VEHICLEFINANCECONFERENCE.COM
7
Insight that leads
to empowerment
Experian® helps businesses and consumers make the best
financial decisions. We provide the insight needed to:
• Identify and verify profitable customers
• Manage risk and detect fraud
• Automate and manage decisions
• Empower and educate consumers
To learn more, visit us at experian.com. Experian is proud to
be a partner of the American Financial Services Association.
Visit Experian booth #301 at AFSA Vehicle Finance
Conference, Jan 20-22, San Francisco, CA
© 2014 Experian Information Solutions, Inc.
All rights reserved.
TUESDAY, JANUARY 20, 2015
9:30 a.m. – 12:00 p.m.
ELIZABETHAN C
Vehicle Finance Credit Risk Management Committee
Keeping the Motor Running: A Look at Trends
Impacting the Automotive Finance Industry
Melinda Zabritski
Director, Automotive Credit
Experian Automotive
12:00 p.m. – 1:00 p.m.
ELIZABETHAN D
Vehicle Finance Board/Independent Auto Finance Executive Group Joint Luncheon
(By invitation)
Sponsored by
1:15 p.m. – 2:45 p.m.
CALIFORNIA EAST
Vehicle Finance Board Meeting
Thank you to
for sponsoring
the Audience Response Technology during the
General Sessions.
3:00 p.m. – 4:00 p.m.
GENERAL SESSION:
Auto Finance Market Overview State of the Industry
COLONIAL BALLROOM
Sponsored by
This session will examine existing and emerging challenges and
opportunities for auto financing sources. An economic update
will concentrate on the big picture view of the economy and how
consumer spending and other factors influence the auto finance
marketplace. New and used vehicle sales will be reviewed,
along with an overview of the auto finance market and trends in
financing.
WWW.VEHICLEFINANCECONFERENCE.COM
9
Omega is our Complete Loan Origination and Servicing
System for the consumer finance industry. Omega is an easy
to use browser-based internet solution, that will save you time
and money. There’s no hardware or software to install. You
can access your business from anywhere, anytime. Internet
access is all you need.
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Online Document & Report Storage 
Customizable Filters for all reports 
User Definable Dashboards
Customizable Workflow and
Automatic Task Assignment
Robust Collateral Management
Electronic User Documentation
Role Based Security
Sandbox for testing/training
The Features that Make Omega Your Best Choice
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Collection Account Management
Call Queuing and Scheduling
Insurance Policy Management
Credit Bureau Reporting
Multiple Portfolio Tracking
Automatically Generate Documents based on custom criteria
Custom Reporting Query Builder
Electronic Payment Processing
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Recovery Tracking
Web Portal Access for your Dealers
API to Integrate Customer Data into
Your Website
Automatically Generate Reports at
Custom Intervals
Fully Integrated Real-time GL & AP
System
Originations System
Visit Us Online At:
WWW.MEGASYS.NET
For More Information or to Schedule A Demonstration
Contact our Sales Department:
800-927-4490 or sales@megasys.net
TUESDAY, JANUARY 20, 2015 (CONT’D)
MODERATOR:
Chris Stinebert
President & CEO
American Financial Services Association
PANELISTS:
Steve Chaouki
Executive Vice President, U.S. Information
Services - Financial Services
TransUnion
Jason Grohotolski
Vice President, Senior Analyst, Financial Institutions
Moody’s Investors Services
Steve Szakaly
Chief Economist
National Automobile Dealers Association
4:00 p.m. – 4:15 p.m.
REFRESHMENT BREAK
Sponsored by
4:15 p.m. – 5:15 p.m. COLONIAL BALLROOM
GENERAL SESSION: Emerging Consumer Trends
This session will continue AFSA’s exploration into how the
next generation of customers will buy and finance vehicles,
while expanding the view to consumers of all generations. Two
acclaimed futurists will leverage their collective experience
working with some of the world’s largest companies to uncover
emerging consumer trends. This session will focus on how major
technological, social and economic trends are shaping the 10
growth areas of the emerging economy.
SPEAKERS:
Erica Orange
Executive Vice President
Weiner, Edrich, Brown, Inc.
Jared Weiner
Executive Vice President
Weiner, Edrich, Brown, Inc.
WWW.VEHICLEFINANCECONFERENCE.COM
11
TUESDAY, JANUARY 20, 2015 (CONT’D)
5:30 p.m. – 7:00 p.m.
“WELCOME TO SAN FRANCISCO” RECEPTION WITH EXHIBITORS GRAND BALLROOM
Sponsored by
Entertainment by
7:15 p.m. – 9:30 p.m.
Vehicle Finance Board Reception/Dinner
VICTOR’S PALACE
32nd Floor
(By invitation)
Reception sponsored by
Dinner sponsored by
7:00 p.m. – 9:30 p.m.
Law Committee Reception/Dinner
VILLA TAVERNA
27 Hotaling Place
(Separate registration required)
(Shuttle bus departs at 7:00 p.m. from Post Street)
Sponsored by
MARK YOUR CALENDAR!
20 th AFSA Vehicle
Finance Conference &
Exposition
March 29-31, 2016
Caesar’s Palace Las Vegas
Las Vegas, Nevada
12
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
WEDNESDAY, JANUARY 21, 2015
7:30 a.m. – 6:30 p.m.
ITALIAN FOYER
8:00 a.m. – 8:30 a.m.
GRAND BALLROOM
AFSA REGISTRATION DESK
BREAKFAST WITH EXHIBITORS
Sponsored by
8:30 a.m. – 10:00 a.m.
COLONIAL BALLROOM
OPENING GENERAL SESSION AND KEYNOTE
People-Powered Innovation
Robin Chase
Founder & CEO, Buzzcar
and Co­-Founder, Former CEO
Zipcar
Sponsored by
Learn how to reduce risk and increase the likelihood of survival
while still innovating. Her key message is to ensure that institutions
lay foundations that foster experimentation, permit learning, and
allow for the evolution of successful new businesses that take
advantage of unexploited openings in the ecosystem.
2015 CONFERENCE CHAIR’S REMARKS
Joy Falotico
Chair, AFSA Vehicle Finance Division and
Executive Vice President, Marketing, Sales,
Americas and Strategic Planning
Ford Motor Credit Company
AFSA FUTURE INITIATIVES
Chris Stinebert
President & CEO
AFSA Education Foundation
FINANCIAL LITERACY UPDATE
Harry Goff
Chairman
AFSA Education Foundation
8:30 a.m. – 12:00 p.m.
Law Committee
CALIFORNIA WEST
(Separate registration)
10:00 a.m. – 10:45 a.m.
REFRESHMENTS WITH EXHIBITORS
GRAND BALLROOM
Sponsored by
WWW.VEHICLEFINANCECONFERENCE.COM
13
WEDNESDAY, JANUARY 21, 2015 (CONT’D)
10:45 a.m. – 11:30 a.m. COLONIAL BALLROOM
GENERAL SESSION:
Managing Talent in a Networked Age
Sponsored by
The traditional employer-employee relationship is broken, and
managers face a dilemma: the old model of guaranteed longterm employment no longer works in a business environment
defined by continuous change, but neither does a system in
which every employee acts like a free agent. Learn about the
new paradigm.
SPEAKER:
Ben Casnocha
Best­-Selling Author, Blogger and Technology
Entrepreneur
Visit us at AFSA
Vehicle Finance
Conference and
Exposition
Smart end-to-end
Auto and Asset
Finance Software
The Westin St. Francis,
San Francisco
January 20-22, 2015
Social | Mobile | Agile | Robust | Tailored
whiteclarkegroup.com
WWW.VEHICLEFINANCECONFERENCE.COM
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WEDNESDAY,
JANUARY
21, 11,
2015
(CONT’D)
THURSDAY,
FEBRUARY
2010
11:30 a.m. – 12:30 p.m.
GENERAL SESSION:
Protecting Your Customers’ Data
COLONIAL BALLROOM
Data breaches on consumer information are plaguing many
companies. Learn from recent case studies in the news.
MODERATOR:
Dawn Martin Harp
Head of Dealer Services
Wells Fargo Dealer Services
SPEAKERS:
Tony Buffamonte
Principal, Advisory Services
KPMG, LLP
Boulton Fernando
Chief Security Officer
Toyota Financial Services
Kristin Mathews
Partner, Privacy & Data Security
Proskauer Rose, LLP
Brad Miller
Director, Legal & Regulatory Affairs
National Automobile Dealers Association
12:00 p.m. – 1:00 p.m. GEORGIAN
Law/State Government Affairs
Joint Committee Luncheon
Sponsored by
12:30 p.m. – 1:30 p.m. GRAND BALLROOM
LUNCHEON WITH EXHIBITORS
Sponsored by
1:00 p.m. – 5:00 p.m. CALIFORNIA WEST
State Government Affairs Committee Meeting
WWW.VEHICLEFINANCECONFERENCE.COM
17
WEDNESDAY,
JANUARY
21, 11,
2015
(CONT’D)
THURSDAY,
FEBRUARY
2010
1:30 p.m. – 2:15 p.m. COLONIAL BALLROOM
GENERAL SESSION: Regulatory and Legal Uncertainties
Sponsored by
Hear about current and future issues affecting compliance and
how to deal with the uncertainty. The session will discuss how
businesses should focus on getting ahead of the latest initiatives
from the CFPB and explore potential outliers in the current
business model.
SPEAKERS:
Bill Himpler
Executive Vice President
American Financial Services Association
Mark Kenney
Chairman
Severson & Werson
Dan Soto
Chief Compliance Officer
Ally Financial
VISIT THE HEADSHOT CAFÉ
IN THE EXHIBIT HALL
More than just a flattering photograph, a great
headshot is a powerful tool for making people
remember you. Facial recognition is wired deeply
inside every human mind. It is very much to your
advantage
to provide
a headshot
that people
can identify
with and
remember
you by.
SPONSORED BY:
18
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
WEDNESDAY,
JANUARY
21, 11,
2015
(CONT’D)
THURSDAY,
FEBRUARY
2010
2:30 p.m. – 3:30 p.m.
COLONIAL BALLROOM
GENERAL SESSION:
Consumer-Driven Data Management
Sponsored by
Data experts will share their insights on how a consumer-centric
data strategy is different from traditional data management
strategies, what “Big Data” means and how it impacts
businesses today. Some key data sources, analytics, new
CRM practices, and speech to text analytics techniques will be
discussed. Theories will be compared against industry trends
and practical business applications while exploring the potential
regulatory implications of consumer data strategies.
FACILITATOR:
Farouk Ferchichi
Chief Data Officer and Head of Business Intelligence
Toyota Financial Services
SPEAKERS:
Paul Bachteal
Senior Director, Americas Technology Practice
SAS
Eric Johns
Customer Success Director
salesforce.com
Jim Nguyen
Co-­Founder and EVP, OEM & Partner Development
TrueCar
3:30 p.m. – 4:00 p.m. GRAND BALLROOM
REFRESHMENTS IN THE EXHIBITORS’ MARKETPLACE
Sponsored by
WWW.VEHICLEFINANCECONFERENCE.COM
19
Are you getting the
Clear Picture
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only provide a small portion
of critical consumer data.
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VISIT US AT BOOTH #306
WEDNESDAY,
JANUARY
21, 11,
2015
(CONT’D)
THURSDAY,
FEBRUARY
2010
4:00 p.m. – 5:00 p.m.
COLONIAL BALLROOM
GENERAL SESSION:
The Future of the Retail Marketplace
Today’s consumers are well educated and are creating an
extremely competitive market. Are they making retailers work
harder for their business or are they forcing them to be creative
in how they meet the consumers’ needs, or both? Learn how
consumer preferences are creating new transparency, shorter
times at the point of sale, conversations on social media, mobile
financing options and marketing in the auto financing arena.
SPEAKER:
Brian Solis
Principal
Altimeter Group
5:00 p.m. – 6:30 p.m. GRAND BALLROOM
CALIFORNIA WINE TASTING RECEPTION WITH
EXHIBITORS
Sponsored by
6:30 p.m. – 9:30 p.m. FARALLON RESTAURANT
Sponsored by
Operations and Regulatory Compliance and State
Government Affairs Joint Committee Dinner
450 Post Street
(Across the street
from the hotel.)
WWW.VEHICLEFINANCECONFERENCE.COM
21
THURSDAY,FEBRUARY
JANUARY 22,
THURSDAY,
11,2015
2010
7:30 a.m. – 12:00 p.m.
ITALIAN FOYER
8:00 a.m. – 8:30 a.m. GRAND BALLROOM
AFSA REGISTRATION DESK
BREAKFAST WITH EXHIBITORS
Sponsored by
8:30 a.m. – 9:30 a.m. GENERAL SESSION: CEO Panel
COLONIAL BALLROOM
Sponsored by
Hear how CEOs from major auto finance sources are confronting
economic, political and marketplace uncertainties.
MODERATOR:
Charlie Vogelheim
Host
Motor Trend Audio
PANELISTS:
Dan Chait
President
World Omni Financial Corp.
Kirk Cordill
President
BMW Financial Services
Jason Kulas
President & CFO
Santander Consumer, USA, Inc.
Tim Russi
President, Auto Finance
Ally Financial
WWW.VEHICLEFINANCECONFERENCE.COM
23
Compliance
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surrounding new compliance regulations, the threat of an audit can
be lurking behind every loan application.
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risks associated with auto lending. Whether you need help maintaining
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regulations or implementing the changes, we offer the experience and
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Learn more, visit WoltersKluwerFS.com/ComplianceRightNow
When you have to be right
THURSDAY,
JANUARY
22, 2015
(CONT’D)
THURSDAY,
FEBRUARY
11, 2010
9:30 a.m. – 12:30 p.m.
CALIFORNIA WEST
9:30 a.m. – 10:00 a.m.
GRAND BALLROOM
Operations & Regulatory Compliance Committee
(ORCC)
REFRESHMENTS IN THE EXHIBITORS’ MARKETPLACE
Sponsored by
Last chance to visit with exhibitors.
10:00 a.m. – 10:30 a.m. COLONIAL BALLROOM
GENERAL SESSION:
Top Finance and Dealer Issues to Tackle in 2015
Sponsored by
®
The AFSA Vehicle Division Chair and NADA Chairman will
address top issues for auto financing sources and auto dealers.
MODERATOR:
Joy Falotico
2015 AFSA Vehicle Finance Chair and
EVP, Marketing, Sales & Americas
Ford Motor Credit Company
SPEAKER:
William Fox
2015 NADA Chairman and Partner
Fox Dealerships, Inc.
WWW.VEHICLEFINANCECONFERENCE.COM
25
Un i v e r s i t y
I
n the new regulatory landscape,
it is important
for
AFSA UNIVERSITY
LOGO IDEAS
8/30/2013
AFSA member companies to have a compliance
PROOF #4B
training program on federal laws that apply to their
lines of business. Compliance training is a critical
component of a robust compliance management
system.
About AFSA University:
• A
FSA University is a web-based compliance training
program offering specific and detailed modules on
key federal financial services laws and regulations
• The content is tailored for both banks and nonbanks
AFSA University Users Will Be Able to:
•
•
•
•
rack and manage training via multiple administrator levels
T
Assign courses by job function
Send automatic e-mail and reminders for course completion
Customize training courses by adding company-specific
information or creating new courses
• Integrate AFSA University with a company’s own compliance
learning management system
Use of the program is a benefit that is only available to AFSA
members at significant savings.
About FIS:
AFSA University is powered by FIS’ Enterprise Governance Risk
and Compliance web-based training tool. FIS’ training tool is
used by several regulatory agencies, including the Consumer
Financial Protection Bureau.
AFSA Contact:
AFSA University is an essential addition to your regulatory
compliance tools. For more information or to schedule a
demonstration, please contact Susan Sullivan at
ssullivan@afsamail.org.
THURSDAY,
JANUARY
22, 2015
(CONT’D)
THURSDAY,
FEBRUARY
11, 2010
10:30 a.m. – 11:30 a.m.
COLONIAL BALLROOM
CLOSING GENERAL SESSION:
Consumer-Driven Innovation at the Dealership
Sponsored by
Learn how top dealer innovators who have been on the leading
edge of consumer-driven solutions have transformed the finance
process while revolutionizing the consumer experience.
MODERATOR:
Charlie Vogelheim
Host
Motor Trend Audio
PANELISTS:
Scott Gruwell
General Manager
Courtesy Chevrolet
Brian McCafferty
Dealer Principal
Avalon Toyota and One Toyota of Oakland
Famous Rhodes
Vice President, e-Commerce
AutoNation
Gary Tucker
Chief Executive Officer
DealerRater
11:45 a.m. – 12:45 p.m.
GEORGIAN
AFSA Vehicle Commercial Credit Committee
Luncheon
(By invitation)
12:45 p.m. – 2:30 p.m.
AFSA Vehicle Commercial Credit Committee
Meeting
WWW.VEHICLEFINANCECONFERENCE.COM
BORGIA
27
2015 EXHIBITORS
ACI Worldwide
202
Elkhorn, NE
Mike Rogers
Director of Sales
(415) 994-7782
mike.rogers@aciworldwide.com
www.aciworldwide.com
ACI Worldwide offers an integrated suite of electronic bill
presentment and payment solutions, enabling clients to deliver a
multi-channel consumer experience throughout the billing cycle.
Alliance Inspection Management
201
Long Beach, CA
Tom Gardner
Senior Vice President, Operations
(562) 495 -8842
tgardner@aiminspections.com
www.aiminspections.com
AiM is a nationwide third party vehicle inspection and wholesale
floor plan audit provider. AiM’s nationwide employee-based
footprint offers finance companies a flexible and reliable provider
of services that understands what’s at stake.
Allied Solutions
601
St. Paul, MN
Dave Underdale
Senior Vice President
(866) 319-1580
dave.underdale@alliedsolutions.net
www.alliedsolutions.net
Allied Solutions is one of the largest independently-operated
providers of insurance, lending, marketing, and risk
management products in the country.
Allison Payment Systems, LLC
604
Indianapolis, IN
Sandi Bosemer
National Account Executive
(317) 808-2400
sbosemer@apsllc.com
www.apsllc.com
APS can provide payment solutions to your automotive finance
organization; from traditional print services, to state-of-the-art
digital presentment options and full electronic payment solutions
28
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
EXHIBITORS
Ally SmartAuction
206
Auburn Hills, MI
Mike Francis
National Sales Manager
(248) 373-6371
michael.francis@ally.com
www.allysmartauction.com
SmartAuction is an industry leading online auction open to
eligible dealers and remarketers of all brands. Remarketers have
sold over 4.6 million vehicles on SmartAuction.
American National Insurance Company - ANICO Direct
409
League City, TX
Richard Katz
Vice President, Direct Marketing and Sales
(281) 538-3703
richard.katz@anico.com
www.anicodirect.com
ANICO Direct markets simplified issue term products directly to
the consumer and specializes in third party relationships with
financial institutions to reach their customers and members with
quality life insurance products.
Assurant Specialty Property - Vehicle Lending Solutions
104
Santa Ana, CA
Randy Purvis
Senior Director
(678) 459-6750
randy.purvis@assurant.com
www.assurantspecialtyproperty.com
Assurant Vehicle Lending Solutions offers customized title
administration and insurance solutions. Our dedicated teams
are focused on managing risk and keeping you compliant.
AUL Corp.
406
Napa, CA
Jason Garner
General Sales Manager
(800) 826-3207
jgarner@aulcorp.com
www.aulcorp.com
AUL Corp. founded the used car service contract industry in
1990 with its still famous Any Year, Any Mileage ® Vehicle Service
Contract. AUL conducts business in all 50 States. AUL enjoys
a long relationship with its underwriters who hold an A.M. Best
rating of “A” Excellent. AUL’s mission is to be the premier service
contract administrator in America.
WWW.VEHICLEFINANCECONFERENCE.COM
29
LENDER SOLUTIONS
INSIGHT
DRIVING PROFITS
VISIT US AT BOOTH #203
COLLATERAL
CREDIT
CREDIT & COLLATERAL
BLACKBOOKAUTO.COM/LENDER-SOLUTIONS/INSIGHT
EMAIL US TO SCHEDULE A LIVE DEMO: 855.371.7532
OR LENDERSOLUTIONS@BLACKBOOKUSA.COM
Black Book ® is a registered trademark
of Hearst Business Media Corporation.
EXHIBITORS
Automotive Compliance Consultants
200
Crystal Lake, IL
Terry Dortch
President/CEO
(815) 670-4651
tdortch@compliantnow.com
www.compliantnow.com
Provide Compliance consulting to franchised auto dealers
covering topics of OSHA, Red Flags, GLB, EEO, Finance, and
Electronic safeguards.
BillingTree Payment Solutions
111
Phoenix, AZ
Chad Probst
Vice President, Sales
(602) 443-5900
cprobst@mybillingtree.com
www.mybillingtree.com
The proven leader in on-demand payment processing,
BillingTree simplifies the billing and receivables process. By
delivering the most innovative technology and making it as easy
and inexpensive as possible to accept payments, Billing Tree is
revolutionizing the payments landscape.
Black Book
203
Lawrenceville, GA
Jared Kalfus
VP Data Licensing
(720) 533-5251
Jkalfus@BlackBookusa.com
www.BlackBookAuto.com
Black Book® is widely known within the automotive financial
industry for providing timely, independent and accurate vehicle
value information and has been a leading provider of industry
insight since 1955.
CAC Services
505
Irvine, CA
Brad Emerson
Managing Partner
(866) 631-3900
bemerson@go2cacs.com
www.go2cacs.com
Contact and Collection Services (CAC Services) is the leader for
field chase services to the auto lending industry. CAC Services
also provides vehicle inspections and site inspections of
repossession lots and dealerships.
WWW.VEHICLEFINANCECONFERENCE.COM
31
EXHIBITORS
CDK Global
99
Hoffman Estates, IL
Paul Rindone
Division Vice President
(847) 485-4507
paul.rindone@cdk.com
www.cdkglobal.com
Formerly ADP Dealer Services, CDK GlobalTM is the largest
global provider of information technology and digital marketing
solutions to the automotive retail industry and adjacencies.
CEDAR Document Technologies, Inc.
405
Atlanta, GA
David Huck
Vice President, Business Development
(770) 674-6511
dhuck@cedardoc.com
www.cedardoc.com
CEDAR provides a comprehensive Omni-channel customer
communication and servicing platform delivered as a hosted/
managed service. Services include all document/communication
management for all presentment and delivery options as well as a
fully integrated suite of digital servicing options and interactions
(payments, mobile messaging, account history, profile
management, etc.) delivered under a secure (authenticated)
Web/Mobile servicing layer.
CenterOne Financial Services, LLC
408
Deerfield Beach, FL
Pat Kleinman
Manager, Business Development
(612) 889-7843
pkleinman@ctrone.com
www.centeronefinancial.com
CenterOne is a third-party servicing leader, leveraging over
three decades of automotive industry experience. Since 2004,
CenterOne has maintained its Standard & Poor’s STRONG auto
servicer rating.
32
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
EXHIBITORS
Chetu Inc.
608
Plantation, FL
Jim Garlock
Director of Global Sales
(954) 342-5676
shows@chetu.com
www.chetu.com
Chetu is a 14-year old custom software solutions provider
across all industries and technologies. Chetu’s services include:
process and systems design, package implementation, business
intelligence and reporting, systems integration, as well as testing,
maintenance and support
CHP Consulting
411
Southfield, MI
Robert Johnson
Global Head of Automotive Finance
(501) 831-5599
robert.johnson@chpconsulting.com
www.chpconsulting.com
ALFA Systems from CHP Consulting is the next-generation
software platform for auto finance that enables innovation and
efficiency in your business through best-in-class technology and
flexibility.
Clarity Services, Inc.
306
Clearwater, FL
Dave Stanbro
Senior Vice President/Western Region
(727) 400-6765
dstanbro@clarityservices.com
www.clarityservices.com
Clarity Services, Inc. provides powerful real-time fraud detection
and credit risk management solutions for the non-prime and thin/
no file consumer segment.
CounselorLibrary/Hudson Cook LLP
400
Hanover, MD
Michael Benoit
Partner
(202) 327-9705
mbenoit@hudco.com
www.counselorlibrary.com
CounselorLibrary® is a collection of online complementary
consumer credit compliance and privacy products, created,
maintained and supported by the attorneys of Hudson Cook,
LLP.
WWW.VEHICLEFINANCECONFERENCE.COM
33
we are.
Privacy and Consumer
Credit Compliance
www.counselorlibrary.com
877-464-8326
follow us on:
EXHIBITORS
DataScan Technologies LLC
407
Alpharetta, GA
Chris Atmore
Director, Business Development
(770) 521-6500
catmore@datascantech.com
www.DataScanTech.com
DataScan is the premier provider of wholesale floorplan systems,
inventory audits and vehicle inspections
Dealertrack Technologies, Inc.
403
Lake Success, NY
CMS Sales
(877) 488-0517
Richard.Evans@dealertrack.com
www.dealertrack.com
Dealertrack’s web-based software solutions enhance efficiency
and profitability for lenders and automotive retailers, including
6600 + financial organizations across the U.S.
defiSOLUTIONS
413
Grapevine, TX
Stephanie Alsbrooks
CEO and Founder
(800) 926-6750
salsbrooks@defisolutions.com
www.defisolutions.com
defiSOLUTIONS is a browser-based loan-originating system
(LOS) built by auto finance experts to be flexible and configurable
for lenders of all sizes. The defi LOS is affordable, scalable and
easily accessible from mobile devices.
eBureau
606
St. Cloud, MN
Mark Doman
Vice President
(320) 534-5000
markdoman@ebureau.com
www.ebureau.com
eBureau is an industry leading provider of predictive analytics and
information solutions. eBureau utilizes its patented technologies
and big data assets to help businesses acquire customers,
manage risks and maintain customer relationships.
WWW.VEHICLEFINANCECONFERENCE.COM
35
EXHIBITORS
Experian Automotive
310
Costa Mesa, CA
Melinda Zabritski
Senior Director
(714) 830-7734
melinda.zabritski@experian.com
www.experian.com
Experian Automotive provides information services and
market intelligence to give the fullest possible understanding
of the market, the vehicles and the people who buy them.
FactorTrust
102
Georgetown, TX
Scott Brackin
Auto Finance Practice Leader
(512) 942-5100
sbrackin@factortrust.com
www.factortrust.com
FactorTrust is the leading provider of non-prime credit and
consumer data. Since 2005, FactorTrust has specialized in
predictive credit scoring and data solutions for non-prime
lenders. This data is predominantly not reported to the Big 3
credit bureaus.
Dealertrack
Lender Solutions
Dealertrack’s intuitive web-based
software solutions and services
enhance efficiency and profitability
for lenders and automotive
retailers nationwide.
Origination Solutions
Contracting Solutions
Vehicle Title Solutions
Our focus is clear. Deliver best-in-class
technology and business process
outsourcing services.
888.650.7317 | dealertrack.com/lendersolutions
©2015 Dealertrack, Inc. All rights reserved.
36
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
EXHIBITORS
FIMC/ATMC
309
Sarasota, FL
Jack Haworth
SVP & National Sales Director
(317) 384-8430
jhaworth@fimc.com
www.fimc.com
Since 1974, FIMC has been providing our business partners
and members exceptional service with our unique motor club
programs. Focusing on the member’s safety, security and
savings, we ensure your customers receive benefits they can and
will use. Experience how FIMC’s affordable programs can make
a difference in your success.
Financial Network Inc.
107
Saint Louis, MO
Heather Slyman
Vice President, Business Development
(636) 498-1334
hslyman@fni-stl.com
www.financialnetworkinc.com
Financial Network Inc. is a Loan Origination Software provider
who has been supporting the financial industry for more than 30
years.
FIS
207
Jacksonville, FL
Scarlett Smith
Business Development Executive
(501) 220-5650
scarlett.smith@fisglobal.com
www.fisglobal.com
FIS AutoSuite is the most advanced and comprehensive solution
for the automotive finance industry available from a single
partner. Comprised of pre-integrated core systems and services,
it meets the ever-changing market demands and regulatory
requirements for automotive financing. With end-to-end portfolio
coverage and industry-leading parameters, you can now reduce
costs and capture market share in any economy.
37
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
EXHIBITORS
Fiserv.
404
Dallas, TX
Jerry Kreitman
Senior Sales Executive
(214) 750-2894
jerry.kreitman@fiserv.com
www.fiserv.com
Fiserv is a leader in financial services technology, driving
innovation in Payments, Insights & Optimization, Customer
& Channel Management, Processing Services and Risk &
Compliance.
FSSI
414
Santa Ana, CA
Dan Palmquist
Vice President, Sales
(714) 436-3357
danpalmquist@fssi-ca.com
www.fssi-ca.com/
Reduce risk, improve compliance and stimulate collections with
an integrated statement and letter solution from FSSI—trusted
print-mail outsourcing partner to the auto finance industry.
GOLDPoint Systems
106
Provo, UT
Glen Twede
Vice President, Sales
(801) 361-9258
glent@goldpointsystems.com
www.goldpointsystems.com
Lending Software Suite-SOC1 compliant, includes loan
origination, servicing, collections, deposits, imaging, and
accounting for direct and indirect lending.
IBML
501
Birmingham, AL
Lant Cotten
National Sales Director, Capture Solutions
(205) 439-7151
lcotten@ibml.com
www.ibml.com
ibml, the longtime leader in intelligent document recognition
during scan time, is now offering SoftTrac Synergetics an
intelligent document recognition solutions that classifies
documents and extracts metadata automatically.
WWW.VEHICLEFINANCECONFERENCE.COM
39
EXHIBITORS
ID Analytics
502
San Diego, CA
Craig Stokum
Sales Director, Auto Finance
(858) 312-6389
cstokum@meritmile.com
www.idanalytics.com
ID Analytics is a leader in credit risk management with patented
analytics, proven expertise and real-time consumer behavior
insight.
KUBRA
500
Coppell, TX
Braden Short
Vice President, Sales & Client Relations
(800) 766-6616
braden.short@kubra.com
www.kubra.com
For over 22 years, KUBRA has maintained a relentless focus
on the needs of Financial Services, Government, Insurance and
Utility clients. Premier customer care, unparalleled e-billing,
electronic payment processing expertise, print and mail and
proven technology leadership are our brand attributes.
LexisNexis
602
Alpharetta, GA
Ankush Tewari
Director, Credit Risk Decisioning
(678) 694-2140
ankush.tewari@lexisnexis.com
www.lexisnexis.com/risk/credit-risk-management
LexisNexis combines cutting-edge technology, unique data and
advanced scoring analytics. Our solutions help auto lenders
mitigate business risk, improve operational efficiencies and
enhance profitability.
MicroBilt
112
Kennesaw, GA
Sheri Reynolds
Vice President of Sales
(800) 884-4747 x4414
sheri_reynolds@microbilt.com
www.microbilt.com
MicroBilt is the leading single source provider of consumer data
for underwriting, risk management and collections for over 35
years.
WWW.VEHICLEFINANCECONFERENCE.COM
41
EXHIBITORS
NADA Used Car Guide
304
McLean, VA
Steve Stafford
Account Executive
(703) 821-7275
sstafford@nada.org
www.nada.com/b2b
NADA Used Car Guide provides accurate used vehicle values,
including passenger car, light-duty and commercial truck available in print, online, mobile & data integration.
National Bankruptcy Services, LLC
605
Dallas, TX
Jim O’Reilly
Senior Vice President
(214) 860-6973
jim.oreilly@nbsdefaultservices.com
www.nbsdefaultservices.com
NBS is the largest nationwide secured bankruptcy outsource
services provider, specializing in helping loan servicers ensure
compliant and profitable management of their bankruptcy
portfolios.
NCP Solutions
503
Birmingham, AL
Joseph Tetstone
Senior Vice President of Sales
(205) 421-7300
jtetstone@ncpsolutions.com
www.ncpsolutions.com
NCP offers secure, print, mail and digital solutions to customer
communications needs including printed and electronic
statements, compliance and regulatory disclosures, and longterm document storage.
Nisen & Elliott, LLC
103
Chicago, IL
Kenneth J. Rojc
Partner
(312) 696-2525
krojc@nisen.com
www.autofinancelaw.com
Automotive Finance Legal Services, including: retail installment
sale, loan and lease products, Auto Alert™, monthly compliance
report, contract development & servicing, litigation, business
licensing and CFPB compliance.
42
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
EXHIBITORS
Nortridge Software
412
Lake Forest, CA
Kim Stempel
Vice President Sales
(714) 263-7285
kstempel@nortridge.com
www.nortridge.com
The Nortridge Loan System (NLS) is a flexible, robust and
time-saving auto and consumer loan system for the entire loan
lifecycle. NLS provides improved automation and controls to
service any type of loan.
OSG Billing Services
113
Englewood, NJ
John Adams
District Sales Manager
(201) 871-1100 x269
john.a@osgbilling.com
www.osgbilling.com
With 20 years of experience, OSG provides integrated, multichannel print and mail and electronic billing solutions through a
highly-controlled, state-of-the-art processing environment.
PassTime
410
Littleton, CO
Corinne Kirkendall
Vice President, Compliance
(303) 962-4102
corinne@passtimeusa.com
www.passtimeusa.com
PassTime provides GPS-based technology solutions serving the
auto finance, fleet and vehicle anti-theft industries. PassTime
stands behind reliable products matched with 24/7 Live
Customer Service.
PayNearMe
108
Sunnyvale, CA
Kunal Kumar
Vice President, General Manager
(240) 838-0966
kunal@paynearme.com
www.paynearme.com
PayNearMe offers the most convenient and secure way for
auto lenders to accept remote chas payments at over 17,000
neighborhood locations nationwide, including 7-Eleven and
Family Dollar.
WWW.VEHICLEFINANCECONFERENCE.COM
43
Bogged down by
your specialty finance
organization’s new
CFPB compliance
requirements, risk
posture and technology
management approach?
Consider the McGladrey
Rapid Assessment®.
Learn about our “quick-hit” diagnostic assessment of
your specialty finance organization’s risk exposure at
http://consulting.mcgladrey.com/ComplianceRapidAssessment.
Or call Morris Marshburn or Bob Eash at 855.285.3426.
• Compliance management
• Operational controls
• Technology platform
EXHIBITORS
PDP Group, Inc.
305
Hunt Valley, MD
John Yarbrough
Director of Business Development
(443) 799-7783
jcyarbrough@pdpgroupinc.com
www.pdpgroupinc.com
PDP Group, Inc. offers tailored automotive risk solutions for
dealers and lenders. Our services include retail and lease
insurance tracking, nationwide paper title administration, and
electronic lien and title processing.
Quiktrak, Inc.
402
Portland, OR
Kim Plutte
Vice President
(503) 214-3010
(503) 214-3010
www.quiktrak.com
Auditing and inspection services for the leasing, equipment
finance, wholesale finance and small business financing
industries.
REPAY - Realtime Electronic Payments
504
Atlanta, GA
William Brakebill
Sales
(404) 504-8442
wbrakebill@repayonline.com
www.repayonline.com
Established in 2006, Realtime Electronic Payments (REPAY) is a
full service provider of electronic transaction processing services
for retail merchants, offering a comprehensive line of solutions
that include credit and debit cards, gift cards, ACH, bank account
verification, electronic bill payment and instant funding.
Reynolds and Reynolds/Reynolds Document Services
100
Dayton, OH
Timothy J. Yalich
Manager, Product Planning
(937) 485 -8193
tim_Yalich@reyrey.com
www.reyrey.com
Reynolds and Reynolds is the automotive industry’s largest
and most trusted provider of automobile dealership software,
services, and document solutions to help dealerships improve
results.
WWW.VEHICLEFINANCECONFERENCE.COM
45
EXHIBITORS
Solutions by Text
415
Dallas, TX
Danny Cantrell
CEO/Founder
(972) 484-1600 x201
dcantrell@solutionsbytext.com
www.solutionsbytext.com
The consumer preference for texting provides a low cost
solution for billing reminders, “call to action” collection alerts and
marketing messages for repeat business.
Spectrum Field Services
101
Salt Lake City, UT
Devin Rushton
Vice President, Sales and Marketing
devinr@spectrumfsi.com
www.spectrumfsi.com
Spectrum Field Services provides Delinquent Vehicle Loan
Inspections; Floor Plan Audits; Door Knock “Notice to Call”
Delivery field inspection solutions nation-wide for financial and
lending services.
Driving the
Floorplanning
Revolution
With business-critical technology
to enhance the way you work
Why major banks and captive
finance providers trust Apak WFS
Financial Systems Specialists
Enterprise-class floorplanning solution
Globally ‘preferred application’
100% happy and referenceable clients
Standardizes, streamlines and automates dealer funding operations
Fast to deploy, easily integrated, intuitive, user-orientated
Find out more about how Sword Apak could enhance the way you work.
Email info@sword-apak.com Or visit www.sword-apak.com
46
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
EXHIBITORS
Sword Apak
307
Alpharetta, GA
Doriene Viera
VP North American Operations
312-623-7305
doriene.viera@sword-apak.com
www.sword-apak.com
Sword Apak’s global market leading Wholesale Finance System
(WFS) is a fully integrated application and the preferred software
choice for banks and captive finance providers.
TCI
308
Islandia, NY
Bill Nass
President
(631) 231-6700 x122
bnass@tcicredit.com
www.tcidecisionlender.com
TCI provides web-based loan origination solutions for the
consumer finance industry. DecisionLender is provided as a
Software as a Service (SaaS) solution and is utilized by ober
400 financial institutions. TCI DecisionLender is fully integrated
with over 20 core processing systems and several auto portals
including DealerTrack, Route One, and Open Dealer Exchange.
van Wagenen Financial
Services, Inc.
110
Eden Prairie, MN
Randall Rempp
President
(952) 833-9170
randall.rempp@vanwagenen.com
www.vanwagenen.com
van Wagenen is your trusted guide to managing risk and
increasing profitability in today’s complex, ever changing
regulatory environment. Insurance, tracking and claims service.
WWW.VEHICLEFINANCECONFERENCE.COM
47
DecisionLender
BY TELEDATA COMMUNICATIONS, INC. (TCI)
MEET THE
REVOLUTION
As one of the first SAAS loan origination
providers, our new DecisionLender technology
solution is a fusion of our 15 years of industry
experience, our customers’ input and our view
of the future. Still simple to use, affordable,
and dependable. No IT staff required or
complex system management.
But the big change is that
YOU’RE in CONTROL
Dashboard
Workflow
Programs
Rules Engine
Report Generator
Compliance
Flexible and configurable by you with just a few clicks.
No SOW, no programming and no deploy delays.
Let’s discuss your future lending needs.
DecisionLender
BY TELEDATA COMMUNICATIONS, INC. (TCI)
(800) 824-9069
www.tcidecisionlender.com
EXHIBITORS
Venture Solutions
401
Fort Worth, TX
Michael Nidey
Regional Vice President, Sales
(817) 283-9500
mnidey@venturesolutions.com
www.venturesolutions.com
Multi-channel customer communications for lenders to help
grow/retain their customer base. Variable image printing, online
tools, email/SMS, and eConsent preference centers are among
our solutions.
VeriFacts, Inc.
603
Sterling, IL
Maggie Spencer
Senior Sales & Marketing Manager
(815) 626-9300
mspencer@verifactsinc.com
www.verifactsinc.com
VeriFacts is a proven leader in skip tracing and asset location
delivering high quality location information, for over 25 years.
VeriFacts is licensed, bonded, insured, and operates with
the highest level of ethics and professionalism. Providing
sophisticated computer-based data retrieval, national sources,
and proprietary data repository, VeriFacts brings the experience
of carefully trained, skilled professionals who know how to
convert data into guaranteed results.
Walz Group
105
Temecula, CA
Matt Johnson
Vice President, Business Development
(888) 405-8898
mjohnson@walzgroup.com
www.walzgroup.com
Walz Group is the leading provider of regulatory compliance
solutions, critical document management and USPS® Certified
Mail® for over 2,500 of the nation’s financial institutions.
WWW.VEHICLEFINANCECONFERENCE.COM
49
EXHIBITORS
Weltman Weinberg & Reis Co., LPA
607
Cincinnati, OH
Frank Veneziano
Partner
(513) 732 -2204
fveneziano@weltman.com
www.weltman.com
Weltman, Weinberg & Reis provides comprehensive legal and
collection services nationwide, including compliance review,
vendor management, both agency and legal collections,
bankruptcy and collateral recovery.
White Clarke Group Inc.
205
Alpharetta, GA
Anna Lepp
Global Marketing Manager
(678) 951-8950
ALepp@whiteclarkegroup.com
www.whiteclarkegroup.com
The White Clarke Group is a world-leader in software solutions
to the automotive finance sector – Retail, Fleet, Wholesale.
The company’s CALMS2 platform provides a flexible workflow
approach that automates the entire business process from
origination through contract to portfolio management.
MARK
CALE YOUR
NDAR
!
21st AFSA Vehicle
Finance Conference &
Exposition
January 24-26, 2017
Sheraton New Orleans
New Orleans, Louisiana
50
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
HOTEL MAP
MEZZANINE LEVEL
1. GEORGIAN ROOM
2. BORGIA ROOM
3. COLONIAL ROOM
4. ITALIAN FOYER
5. GRAND BALLROOM
5
The Westin St. Francis
335 Powell Street San Francisco, California 94102 United States
Phone (415) 397-7000
n
n
3
POWELL
STREET
LOBBY
4
1
2
SECOND FLOOR
A
ELIZABETHAN ROOM
B
C
D
WEST
CALIFORNIA ROOM
1
EAST
2
1. SUSSEX ROOM
2. DERBY ROOM
3. YORKSHIRE ROM
TOWER
4. HAMPTON ROOM
ELEVATOR
5. BOARD ROOM
6. ESSEX ROOM
7. MAYFAIR ROOM
8. OLYMPIC ROOM
9. ASCOT ROOM
10. VICTORIAN ROOM
11. CAMBRIDGE ROOM
12. BRISTOL ROOM
13. OXFORD ROOM
14. KENT ROOM
MAIN ELEVATOR
3
8
7
4
5
6
BALCONY
9
10
12
13
11
WWW.VEHICLEFINANCECONFERENCE.COM
14
51
MARK YOUR CALENDAR FOR
FUTURE AFSA EVENTS
20TH VEHICLE FINANCE CONFERENCE & EXPOSITION
March 29-31, 2016 (held with NADA Convention)
Caesar’s Palace Las Vegas
Las Vegas, Nevada
21ST VEHICLE FINANCE CONFERENCE & EXPOSITION
January 24-28, 2017 (held with NADA Convention)
New Orleans, Louisiana
32ND INDEPENDENTS CONFERENCE & EXPOSITION
April 15-17, 2015
Marriott Harbor Beach Resort • Fort Lauderdale, Florida
www.independentsconference.com
25TH CREDIT SUMMIT FOR FIXED INCOME INVESTORS
May 26-28, 2015
The Ritz-Carlton Battery Park • New York, New York
www.investinthefinanceindustry.com
THE EDGE
June 1-5, 2015
Mercer University • Atlanta, Georgia
www.afsasef.org
17TH STATE GOVERNMENT AFFAIRS & LEGAL ISSUES FORUM/
NACCA ANNUAL MEETING
June 3-4, 2015
Grand Hyatt Atlanta Hotel • Atlanta, Georgia
www.afsasga.com
LEADERSHIP DEVELOPMENT PROGRAM
July 15-22, 2015
University of North Carolina • Chapel Hill, North Carolina
www.afsasef.org
99TH AFSA ANNUAL MEETING
October 5-7, 2015
The Fairmont Copley Place • Boston, Massachusetts
www.afsaannualmeeting.org
For More Information:
AMERICAN FINANCIAL SERVICES ASSOCIATION
919 18th Street, NW, Suite 300, Washington, DC 20006
(202) 296-5544
www.afsaonline.org
www.vehiclefinanceconference.com
52
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
NOTES
WWW.VEHICLEFINANCECONFERENCE.COM
53
NOTES
54
19TH VEHICLE FINANCE CONFERENCE & EXPOSITION
2015
auto lending
outlook
Hear Steve Chaouki, Executive VP of
U.S. Information Services at TransUnion,
discuss the anticipated impact and
trajectory of:
• Growth trends in Auto Finance
• Increased competition in Sub Prime
lending
• Delinquencies across the
credit spectrum
DON’T MISS IT!
The Auto Finance Market Overview—
State of the Industry
STEVE CHAOUKI, TransUnion
3–4:15 p.m., Tuesday, Jan. 20
© 2015 TransUnion LLC All Rights Reserved