JOSEPH CIOFFI

AFSA Conference: Psst ... PII is a Potential Problem in Auto Finance Services

It’s only fitting that privacy can be a hidden issue.

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The Emergence of ESG as a Significant Risk Factor

Recent reports of Australian investors "facing tough questions" over their failure to back climate change resolutions in 2019 highlights increased scrutiny surrounding corporations’ policies on climate change, especially amidst the devastating wildfires that swept through the country earlier this year. The same questions are now being asked globally of borrowers by lenders and investors about...

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NYC is About to a Get a Lot Greener – Priming the PACE Pump

New York City’s Climate Mobilization Act (CMA), touted as the city’s Green New Deal, is set to have a significant impact on the famous skyline. Property owners should now begin to familiarize themselves with the requirements and choose their optimal funding solutions. In many cases, the solution will be commercial Property Assessed Clean Energy (C-PACE) financing, which allows energy-saving...

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Auto Dealer Fraud and Its Impact on Portfolio Performance

Before you put your money at risk in a Vegas casino, you’d want to know if the dealer was using hidden tactics to rig the game. The same should be said for prudent auto lending and investing – market participants should want to know that the auto dealer hasn’t rigged the game by deceiving the purchaser in ways that make default more likely. Yet, recent government investigations and private...

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2020 May Be the Year Student Loan Debt Relief Gets Real

No, getting real does not mean a politician’s grand plans, no matter how close they may get to office. Nor wiping out all student debt and paying for it with a tax on “Wall Street” – which did not create the problem and would, ultimately, impact American’s stock-filled retirement plans – is not a realistic solution either. Beyond fairness and reason, real plans require legal grounding and the...

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Second Annual Subprime Auto Market Study Will Reveal the Current State of Market Participants’ Expectations

Que sera, sera; what will be, will be. While it may be true, yielding to that platitude is a terrible way to create a successful future. Instead, we say, “what will be, will be what you expect…if you are prepared.”

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Marketplace Lending: Market Momentum in 2020

Expectations are high for marketplace lending in 2020 but, more than any other lending sector, there are legal questions on the horizon that are likely to have an impact going forward. A Market on the Rise Marketplace lending deals have been steadily climbing since FinSight started tracking data in 2013. There was a jump from 2018 to 2019 with the number of tracked deals going from 37 in 2018 to...

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