The Auto Finance Roadmap17 Marras 2025

Future of CFPB funding questioned

The compliance industry continues to face headwinds as funding for the Consumer Financial Protection Bureau is in jeopardy after the Department of Justice recently ruled that the bureau cannot request money from the Federal Reserve.
The DOJ’s Nov. 7 ruling states that the “combine earnings of the Federal Reserve system” — laid out by the Dodd-Frank Act as the source of most of the CFPB’s funding — refers to Fed profits. The Fed was last profitable in 2022.
It is unclear if the CFPB will be operational in January 2026. The bureau can request funding from Congress, but approval is uncertain.
Government shutdown ends
The ruling on CFPB funding came just days before the U.S. House voted Nov. 12 to end the longest government shutdown in United States history.
The end of shutdown, which stretched from Oct. 1 to Nov. 12, could prove fruitful for the auto industry because consumers may have delayed auto purchases during this time, experts say. The theory, in part, is evidenced by a 2.7% drop in consumer confidence in October and slowing new-car sales.
Despite industry pressures, auto industry participants continue to see resilience.
Shifts in RV industry
The RV industry also is optimistic for 2026, even as it continues to grapple with ongoing challenges such as falling registrations.
Industry leaders gathered in Las Vegas this month for RV Dealers Convention and Expo 2025 to discuss the effects of macroeconomic conditions, consumer sales trends and the ROI for AI integration.
Listen as Auto Finance News Senior Associate Editor Truth Headlam and Associate Editor Aidan Bush unpack the past week’s auto finance and powersports news.

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Ally Financial, Capital One, Huntington Bank auto originations mixed

Ally Financial, Capital One and Huntington Bank posted mixed results in the second quarter for auto originations and credit performance. Ally Financial’s auto originations rose 20.9% year over year i...

27 Heinä 7min

Wells Fargo Auto, Chase Auto originations jump in Q2

National and regional bank second-quarter earnings point to mixed performance as larger banks lean into auto production while regional banks held steady or scaled back amid market volatility. Wells F...

20 Heinä 6min

Subaru Motors Finance to target first-time buyers, expand credit access

Subaru Motors Finance plans to expand its underwriting to attract more first-time buyers, Managing Director Michael Cottone tells Auto Finance News in the latest episode of “The Auto Finance Roadmap P...

13 Heinä 23min

BMW Financial’s lease penetration normalizes post-EV tax credit

BMW Financial Services’ lease penetration has normalized following the elimination of the federal electric vehicle tax credit, says Ole Jensen, chief executive and president of the captive in North Am...

6 Heinä 23min

Rising insurance costs add to affordability woes

Car buyers are facing a tough market as rising insurance costs add to vehicle ownership expenses and lenders are mindful of high loan-to-value ratios. The national six-month auto insurance premium ro...

29 Kesä 11min

Podcast: Carvana, CarMax sales rise, interest rates decline

Auto retailers are gaining momentum on the heels of increased sales and finance volume even as the industry navigates continued affordability headwinds. Carvana last week opened its first test-drive ...

22 Kesä 10min

Carvana VP of finance talks rate cuts, profitability, sales growth

Carvana has lowered its interest rates as its profitability, sales and finance volume improve. The Tempe, Ariz.-based retailer in the past year has focused on expanding inventory to meet consumers’ ne...

15 Kesä 19min

Buyers’ AI-powered research reshapes powersports purchases

AI-powered research tools are changing how consumers shop for powersports vehicles, prompting dealers to spend more time explaining financing options and correcting misconceptions about rates, promoti...

8 Kesä 18min