2026 AFSA Annual Conference
The Future of Lending
Consumer · Mortgage · Auto · Personal
The Breakers · Palm Beach, Florida
Early Registration Rates end Friday, September 18th
Agenda
Schedule is subject tentative and subject to change
Sunday, October 25
| 4:00 p.m. – 5:00 p.m. | AFSAEF Development Committee |
| 4:00 p.m. – 6:00 p.m. | AFSA Registration Center |
| 6:00 p.m. – 7:30 p.m. | Early Arrival Reception Sponsored by  |
Monday, October 26
| 7:30 a.m. – 6:00 p.m. | AFSA Registration Center |
| 8:00 a.m. – 11:30 a.m. | Independent Auto Finance Executives Group Breakfast & Meeting Invitation only Breakfast sponsored by  Meeting sponsored by  |
| 8:30 a.m. – 9:30 a.m. | AFSAEF Leadership Development Program Steering Committee |
| 9:00 a.m. – 12:00 p.m. | Operations & Regulatory Compliance Committee Meeting sponsored by  AV sponsored by  |
| 9:30 a.m. – 10:30 a.m. | THE EDGE Advisory Board |
| 10:30 a.m. – 12:00 p.m. | AFSAEF Board of Directors w/ Lunch |
| 11:00 a.m. – 12:00 p.m. | Installment Lending Policy Working Group Sponsored by  |
| 12:00 p.m. – 12:45 p.m. | Joint Luncheon Vehicle Finance Board/Independent Auto Executives Group Invitation only Sponsored by  |
| 12:00 p.m. – 1:00 p.m. | Joint Lunch ORCC & Law Invitation only |
| 12:45 p.m. – 3:00 p.m. | Vehicle Finance Division Board Refreshments sponsored by  AV sponsored by |
| 1:00 p.m. – 3:00 p.m. | Operations Networking |
| 1:00 p.m. – 5:30 p.m. | Law Committee Invitation only Refreshments sponsored by  |
| 3:15 p.m. – 4:30 p.m. | Business Partner Board |
| 3:15 p.m. – 5:15 p.m. | Executive Committee Invitation only Refreshments sponsored by  |
| 3:15 p.m. – 5:30 p.m. | Vehicle Commercial Credit Committee Invitation only |
| 4:30 p.m. – 5:30 p.m. | Marketing & Communications Networking Group Refreshments sponsored by  |
| 4:30 p.m. – 5:30 p.m. | Horizons Group Invitation only |
| 5:30 p.m. – 7:30 p.m. | Welcome Reception Reception sponsored by Entertainment sponsored by  Decor sponsored by  |
| 7:00 p.m. – 8:30 p.m. | Joint Reception/Dinner VF Board, IN Auto, Commercial Credit Invitation only Dinner sponsored by    Reception sponsored by  Entertainment sponsored by  Wine sponsored by  |
| 7:00 p.m. – 8:30 p.m. | Law Committee Reception & Dinner Invitation only Reception & Dinner sponsored by  Wine & Entertainment sponsored by  |
Tuesday, October 27
| 6:30 a.m. – 7:15 a.m. | Sunrise Run Sponsored by  |
| 8:00 a.m. – 5:00 p.m. | AFSA Registration Center |
| 8:00 a.m. – 8:30 a.m. | Networking Breakfast Sponsored by  |
| 8:30 a.m. – 10:00 a.m. | Opening Session & Keynote Sponsored by  |
| 10:00 a.m. – 10:15 a.m. | Refreshment Break Sponsored by  |
| 10:00 a.m. – 4:15 p.m. | Law Committee Invitation only Refreshments sponsored by AV sponsored by |
| 10:15 a.m. – 11:00 a.m. |
General Session | The State of Our Customer: What the Data Actually Shows Sponsored by |
| 11:00 a.m. – 12:00 p.m. |
General Session | Policy & Politics: The View from Washington and the States Sponsored by |
| 12:00 p.m. – 1:00 p.m. | Networking Lunch Sponsored by  |
| 1:00 p.m. – 2:15 p.m. |
General Session | Preparing for the Pendulum: Ready for January 2027? Sponsored by |
| 1:30 p.m. – 3:00 p.m. | Vehicle Finance Credit Risk Committee |
| 2:15 p.m. – 2:30 p.m. | Refreshment Break Sponsored by |
| 2:30 p.m. – 3:15 p.m. | General Session | Fake Files, Real Losses Credit washing that strips real tradelines off consumer reports. Credit building products that lift scores without adding repayment history. Fake pay stubs and synthetic identities that walk through verification built for a slower era. Fraud keeps outrunning the controls built to catch it. Leaders from our Independents and Vehicle Finance boards join fraud prevention specialists to map where the schemes are heading and what lenders can do about them now. |
| 3:00 p.m. – 4:30 p.m. | AFSA Board of Directors Sponsored by |
| 4:30 p.m. – 6:30 p.m. | Women’s Leadership Council Invitation only Speaker sponsored by Transportation & Refreshments sponsored by  |
| 6:30 p.m. – 8:30 p.m. | Dinner Reception Party Dinner sponsored by Open Bar sponsored by  Entertainment sponsored by |
Wednesday, October 28
| 8:00 a.m. – 12:30 p.m. | AFSA Registration Center |
| 8:30 a.m. – 9:30 a.m. |
Level Up Breakfast & General Session | State Regulator Roundtable Breakfast sponsored by |
| 9:30 a.m. – 12:00 p.m. | State Government Affairs Meeting sponsored by  AV sponsored by |
| 9:45 a.m. – 10:30 a.m. | Concurrent Breakout Session A |
| 9:45 a.m. – 10:30 a.m. | Concurrent Breakout Session B |
| 10:30 a.m. – 10:45 a.m. | Refreshment Break Sponsored by |
| 10:45 a.m. – 11:30 a.m. | Breakout | Culture & Workforce Development Building on the work of the C & WD networking group, this sessions will feature a speaker and discussion on issues important to Member Companies and Business Partners. |
| 10:45 a.m. – 11:30 a.m. | Concurrent Breakout Session D |
| 10:45 a.m. – 11:45 a.m. | Installment Credit Risk Working Group Sponsored by  |
| 10:45 a.m. – 12:00 p.m. | Culture & Workforce Development Networking Group |
| 11:45 a.m. – 12:30 p.m. | Lunch Sponsored by  |
The Venue
The Breakers
Palm Beach
Join your colleagues at one of America’s most iconic resorts for AFSA’s Annual Meeting of consumer credit industry leaders. Set against the backdrop of the historic Breakers resort in Palm Beach, this conference brings together AFSA’s committees and boards for substantive working sessions on the issues that matter most to our industry, while providing unmatched opportunities for networking.
Attendees will have the opportunity to participate in key committee meetings, including the Law Committee and State Government Affairs Committee, where members will address the legislative, regulatory, and legal developments shaping the consumer credit landscape.
General sessions will tackle the trends and forces defining the industry’s future, with expert speakers addressing:
-
Artificial Intelligence: opportunities, risks, and practical applications for consumer lenders
-
Public Policy Update: what’s coming out of Washington and state capitals, and what it means for your business
-
Fraud Trends: evolving threats and the strategies leading companies are deploying to stay ahead
-
Economic & Consumer Sentiment: exclusive polling on where American consumers and voters stand today
Whether you’re a longtime AFSA Member or joining us for the first time, this conference is your opportunity to connect with the people and ideas driving the consumer financial services industry forward.
One South County Road
Palm Beach, Florida 33480
561-655-6611
Reservations: Phone: (888) 273-2537
A one-of-a-kind destination, situated on 140 acres of incomparable oceanfront property in the heart of Palm Beach. It’s magnificent, Italian-Renaissance design and breathtaking setting give it exotic appeal, yet the resort’s stateside location makes it conveniently accessible for ease of travel.
AFSA Discounted Rates:
• Deluxe Rooms: $399
• Premium Run of House: $449
• Oceanfront Run of House: $599
RESERVATION CUT OFF DATE: September 28, 2026
Online reservations: BOOK HERE
TRANSPORTATION:
From Palm Beach International Airport (PBI): Approximately 5 Miles.
From Fort Lauderdale / Hollywood International Airport (FLL): Approximately 50 miles
The approximate cost of Taxi Service from PBI is $35.
The approximate cost of Taxi Service from FLL is $150.
Car Rental: AFSA’s partnership with Enterprise Rent-A-Car gives AFSA attendees a 10% discount on rental cars during their visit to Palm Beach. Click Here to access Enterprise’s web site for reservations. AFSA Discount Code: 16AH072. Parking at the Breakers is $35 per night for valet or complimentary for self park.
Air Travel: Palm Beach International Airport (PBI) is 5 Miles to the Breakers and Fort Lauderdale Airport (FLL) is approximately 50 miles.
AFSA is pleased to offer the following partner discounts:
• United Airlines: ZSKP199414 discount code. You may also call United Meetings Reservation Desk from 7 a.m. to 8 p.m. CT, Monday–Friday (closed for major U.S. holidays) at (800) 426-1122 for booking assistance or visit united.com/meetingtravel and enter the code above. Booking fees are waived for United Meetings reservations.
• Delta Air Lines Delta Air Lines is pleased to offer special discounts for AFSA. Please click here to book your flights. You may also call Conferences and Events® at 1.800.328.1111* Monday–Friday, 8:00 a.m. – 8:00 p.m. (EST) and refer to Meeting Event Code NM57B
*Please note there is not a service fee for reservations booked and ticketed via our reservation 800 number.
If you have questions regarding the meeting feel free to contact, Michele Battaline, at 202-776-7302 or mbattaline@afsamail.org.
Keynote Speakers
Numbers don’t lie, but they do require interpretation. And AFSA has two of best interpreters in the business.
Join two of America’s most respected pollsters as they take AFSA Annual Meeting attendees beyond the headlines to reveal what American voters are actually thinking. Micah Roberts, partner at Public Opinion Strategies, and Jeff Horwitt, partner at Hart Research, join forces each month for the CNBC All-America Economic Survey, and will bring their unique bipartisan lens to the data shaping today’s political and economic landscape.
Fresh off their latest polling cycle, Roberts and Horwitt will unpack new findings on consumer sentiment and economic confidence, and what those numbers mean for candidates and campaigns heading into the midterms. Are voters’ kitchen-table concerns breaking along party lines? Or is something more nuanced at play? Which issues are moving persuadable voters, and where is the electorate really headed?
For an industry where economic outlooks and consumer sentiment shape our day to day operations, this session will deliver a sharper, clearer and more grounded picture of the American electorate and the economic issues that are top of mind.
Featured Speakers
Danielle Arlowe
Senior Vice President
AFSA
Shams Blanc
VP, Head of Auto
FICO
Kevin Cullum
President, Nissan Motor Acceptance Corporation
AFSA Board Chair
Michael Grimes
VP, Congressional Affairs
AFSA
Ann Harter
VP, Congressional Affairs
AFSA
Rick Rose
Palm Beach Historian
Official Historian of the Worth Avenue Association
Napoleon “Napo” Rumteen
Founder & CEO
Interactive EQ, Inc.
Celia Winslow
President & CEO
AFSA
Sponsors
Loading...