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 |
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 |
| 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 |
| 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 |
| 12:00 p.m. – 12:45 p.m. | Joint Luncheon Vehicle Finance Board/Independent Auto Executives Group Invitation only |
| 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 |
| 1:00 p.m. – 3:00 p.m. | Operations Networking |
| 1:00 p.m. – 5:30 p.m. | Law Committee Invitation only |
| 3:15 p.m. – 4:30 p.m. | Business Partner Board |
| 3:15 p.m. – 5:15 p.m. | Executive Committee |
| 3:15 p.m. – 5:30 p.m. | Vehicle Commercial Credit Committee |
| 4:30 p.m. – 5:30 p.m. | Marketing & Communications Networking Group |
| 4:30 p.m. – 5:30 p.m. | Horizons Group Invitation only |
| 5:30 p.m. – 7:30 p.m. | Welcome Reception |
| 7:00 p.m. – 8:30 p.m. | Joint Reception/Dinner VF Board, IN Auto, Commercial Credit Invitation only |
| 7:00 p.m. – 8:30 p.m. | Law Committee Reception & Dinner Invitation only |
Tuesday, October 27
| 6:30 a.m. – 7:15 a.m. | Sunrise Run |
| 8:00 a.m. – 5:00 p.m. | AFSA Registration Center |
| 8:00 a.m. – 8:30 a.m. | Networking Breakfast |
| 8:30 a.m. – 10:00 a.m. | Opening Session & Keynote |
| 10:00 a.m. – 10:15 a.m. | Refreshment Break |
| 10:00 a.m. – 4:15 p.m. | Law Committee Invitation only |
| 10:15 a.m. – 11:00 a.m. | General Session | The State of Our Customer: What the Data Actually Shows Beyond the ballot box and consumer sentiment, how are our industry’s customers behaving? Built on AFSA’s Consumer Credit Conditions (C3) Index, join our industry panel with fresh survey data that confirms, complicates, and clarifies the market conditions for the coming year. |
| 11:00 a.m. – 12:00 p.m. | General Session | Policy & Politics: The View from Washington and the States Join AFSA’s Federal and State Government Affairs team for a deep dive on how the political and regulatory environment may evolve for 2027 and beyond. From updates on Capitol Hill to the increasing activity in the states, this session will provide insights beyond crystal ball predictions. |
| 12:00 p.m. – 1:00 p.m. | Networking Lunch |
| 1:00 p.m. – 2:15 p.m. | General Session | Preparing for the Pendulum: Ready for January 2027? The morning sessions will address the external environment our industry may operate in. The afternoon is focused on how AFSA Members can prepare for the shifts to come. From oversight letters, hearings, and a re-energized regulatory posture in Washington and the states, this panel skips the speculation and focuses on scenario planning, exam readiness, complaint-data hygiene, and how to get legal and compliance up to speed before January 2027. |
| 1:30 p.m. – 3:00 p.m. | Vehicle Finance Credit Risk Committee |
| 2:15 p.m. – 2:30 p.m. | Refreshment Break |
| 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 |
| 4:30 p.m. – 6:30 p.m. | Women’s Leadership Council |
| 6:30 p.m. – 8:30 p.m. | Dinner Reception Party |
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 Join us to hear from state financial regulators on the issues that matter to our industry. |
| 9:30 a.m. – 12:00 p.m. | State Government Affairs |
| 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 |
| 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 discusson 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 |
| 10:45 a.m. – 12:00 p.m. | Culture & Workforce Development Networking Group |
| 11:45 a.m. – 12:30 p.m. | Lunch |
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:
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Artificial Intelligence: opportunities, risks, and practical applications for consumer lenders
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Public Policy Update: what’s coming out of Washington and state capitals, and what it means for your business
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Fraud Trends: evolving threats and the strategies leading companies are deploying to stay ahead
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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
Celia Winslow
President & CEO
AFSA
Sponsors
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