History Tells a Story About Compliance

In our 24/7 news cycle, it’s easy to lose perspective. People overlook the ebb and flow of things – especially anything with political overtones. While the world of finance prefers to keep things consistent, the one thing people can count on is change. Change is especially true when it comes to compliance. From regulation to […]

Auto Lending and Millennials: Why They Deserve a Second Look

Millennials were responsible for more than 28% of all retail vehicle sales, according to the J.D. Power 2015 New Auto Shopper Study, and by 2020 experts forecast they will account for more than 40% of purchases.[1] In 2017 Moody’s Analytics reported that young consumers, identified as those 34 and under, had the largest share of auto […]

CrediReady Acquires Auto Loan Matchmaker In Market Automotive

SAN DIEGO – CrediReady LLC and In Market Automotive LLC announced June 29th that they have entered into a definitive merger agreement under which CrediReady will acquire In Market Automotive. In Market Automotive is the holding company for EpicCarFinance.com, a popular website that consumers visit to find bad credit auto financing. Epic Car Finance has […]

Speeding Up the Car-Buying Process

It’s no secret that consumers want to shorten their time in the F&I office. A 2018 study from Ernst & Young Global Limited predicted a paradigm shift in automotive retail. Digitization, regulations, evolving customer needs, and new competitive selling methods necessitate a rethink of the retail model. In fact, 72% of consumers feel that an […]

The Race for Autonomous, Electric Vehicles Remains Uncertain

Auto manufacturers are sprinting to develop electric and autonomous vehicles (AV). However, many industry experts are concerned that this race could soon spell disaster for the automotive industry. Billions of dollars have been invested in the space, yet many consumers seem unexcited or uninterested in the added expense of an autonomous or electric vehicle. Recent […]

Breaking Out of the Groundhog Day Cycle

I’m sure most people have seen the 1993 movie Groundhog Day starring Bill Murray. His weatherman character disparages his assignment to cover the annual groundhog event, only to wake up the next day…and the next day…realizing he is inexplicably reliving the same day over and over again. Filled with cynicism, Murray fails to “flip the […]

Locking Down Non-Public Data

The Gramm-Leach-Bliley (GLB) Act – enacted in 2001 – limits when a “financial institution” may disclose a consumer’s non-public personal information (NPI) to non-affiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain “financial activities.” Financial institutions must […]

ACA International v. FCC: What You Need to Know

When Congress passed the Telephone Consumer Protection Act (TCPA) in 1991, the majority of American consumers were using landline telephones. Today, not only have a majority of households dispensed with landlines, but a large and growing percentage of consumers—especially millennials—prefer to be contacted via text message, research shows. In 2015, the Federal Communications Commission (FCC) […]
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