As the auto finance industry faces mounting regulatory scrutiny and increasingly sophisticated fraud tactics, lenders are working together to navigate risk, improve compliance, and better serve today’s borrowers.
In this episode, recorded at CBA Live 2025 in Orlando, host Matt Snow sits down with
Fabien Thierry, Head of Indirect Lending at Bank of America, and Mike Gilbert, Director of Consumer Lending at Associated Bank. Serving as chair and co-chair of the CBA Auto Finance Committee, Fabien and Mike discuss how the committee is helping lenders respond to the most urgent challenges in auto finance—from new CFPB directives to the rising threat of synthetic identity fraud—through collaboration, data-driven strategies, and shared best practices.
Join us as we discuss:
- The impact of evolving federal and state regulations on lender operations and how the committee is driving policy advocacy
- The surge in synthetic identity and first-party fraud, and the tools being deployed to detect and prevent financial losses
- Financing complexities tied to electric vehicles, including rising costs, residual value concerns, and infrastructure limitations
- How digital lending innovations are improving decisioning speed, borrower transparency, and overall loan experience
- Why industry-wide coordination—between lenders, dealers, and tech providers—is essential for managing disruption and delivering value
