Advertise on podcast: Moving the Metal: The Auto Finance Podcast

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down the FTC's newly released 14-question FAQ guide on auto price advertising transparency, the follow-up to the agency's "notorious 97" warning letters. They walk through what must be included in an advertised price (and what can be excluded); how document fees and state law requirements interact with FTC rules; the treatment of MSRP, discounts, and leasing processing fees; rules on advertising in-transit vehicles and using representative photos; and the thorny question of who bears responsibility for inaccurate pricing across dealers, third-party advertisers, and OEMs. They close with the FTC's stance on compliance timing and its reliance on consumer and competitor complaints to enforce a level playing field. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down a recent DOJ/U.S. Attorney's Office settlement with a lease-here, pay-here dealership over violations of the Servicemembers Civil Relief Act (SCRA). They discuss the two provisions at the heart of the case, repossession protections and lease termination rights, and the way a dealer's failure to check military status and refund lease payments led to a $137,348 penalty and a robust, DOJ-approved compliance overhaul. Brooke and Chris explain why SCRA enforcement remains a bipartisan, well-funded priority (nearly $500 million recovered since 2011) and offer practical steps dealers and auto finance companies should take now, including mandatory DMDC database searches, documented military-orders intake procedures, thorough recordkeeping, and designated, trained SCRA points of contact. Tune in for a real-world roadmap of what regulators expect dealership compliance programs to look like. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down a recent $4 million settlement between the FTC and the Connecticut Attorney General's Office against an auto dealership accused of deceptive pricing, unauthorized add-on charges, and phantom vehicle certifications. They discuss the significance of naming individual owners and managers as defendants, the growing coordination between federal and state regulators using UDAP authority to enforce what amounts to the "ghost" of the vacated FTC CARS Rule, and why junk fees, price transparency, and express informed consent remain top enforcement priorities regardless of administration. The hosts close with practical takeaways for dealers and finance companies on aligning advertising, add-on sales practices, and compliance monitoring to avoid similar exposure, including private litigation risk under state consumer protection statutes and the Holder Rule. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down California's CARS Act, set to take effect October 1. They trace the law's roots back to the FTC's now-overturned CARS Rule, walk through its four core compliance pillars (misrepresentations, total price disclosures, valueless add-ons, and recordkeeping), and dig into the new three-day right to cancel for used vehicles. The hosts also cover enforcement risk under California's UCL and CLRA, the exposure lenders face through the Holder Rule, and five practical steps dealers and their partners should be taking right now to get ahead of the law's arrival. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this crossover edition of Moving the Metal: The Auto Finance Podcast and The Consumer Finance Podcast, hosts Brooke Conkle, Chris Capurso, and Chris Willis break down the FTC's policy statement abandoning disparate impact enforcement under the Equal Credit Opportunity Act and Section 5 of the FTC Act. The group traces the reversal to two key drivers — a reassessment of the FTC's statutory authority and President Trump's executive order directing agencies to deprioritize disparate impact liability — while placing the move in the broader context of similar rollbacks at the CFPB and federal banking regulators. They also examine what remaining exposure looks like at the state level, particularly in New York and New Jersey, and close with a clear message for compliance officers: fair lending is far from dead, the current federal retreat is best understood as a vacation rather than a permanent reprieve, and paying close attention to regulatory signals now can be a meaningful competitive advantage down the road. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Moving the Metal, hosts Brooke Conkle and Chris Capurso break down the FTC's landmark policy statement officially abandoning disparate impact enforcement and what it means for dealers and auto finance companies. They cover the agency's two core justifications — statutory authority under Section 5 of the FTC Act and ECOA, and President Trump's executive order on meritocracy — and explain why, despite the federal reprieve, companies should not treat this as a green light to abandon fair lending compliance programs altogether. From the compliance side, Chris walks through the careful recalibration businesses should consider, while Brooke flags that pending litigation and active state-level efforts to codify disparate impact liability mean the risk landscape is far from clear. The episode closes with a preview of Part 2, where the hosts will be joined by Chris Willis to dig deeper into the history and future of fair lending law. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso explore what it means for auto finance that the average U.S. vehicle is now nearly 13 years old, examining the macroeconomic forces behind longer ownership cycles, rising loan terms, and mounting delinquency rates — along with what an aging fleet means for dealers and lenders navigating ancillary product opportunities, a growing negative equity crisis, and the emerging legal and underwriting challenges of a used EV market that is just now coming of age. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down a recent New York City Department of Consumer and Worker Protection (DCWP) enforcement action against a Bronx dealership, covering the violations that led to nearly $130,000 in civil penalties and consumer restitution, the compliance and litigation takeaways for dealers and lenders, and what the appointment of a former FTC Bureau of Consumer Protection director to lead the DCWP signals for the future of city and state-level auto finance enforcement.     Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this mid-year roundup episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso recap the biggest developments shaping the auto finance industry in the first half of 2026, including the FTC's widely unexpected "Notorious 97" warning letters to nearly 100 dealers, a wave of state-level UDAP enforcement actions, Senator Elizabeth Warren's data requests targeting repossession and service member lending practices, Kentucky's new legislative framework for GAP and vehicle financial protection products, a significant New Jersey dealer enforcement action under the state's Consumer Fraud Act, and the growing compliance risks around fraud detection and AI use in the sales and financing process — wrapping up with a look ahead at what the second half of the year may bring. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down two significant state-level regulatory responses to the Federal Trade Commission's (FTC) March 2026 wave of 97 warning letters targeting auto dealers — examining how Louisiana's Motor Vehicle Commission is formally updating its advertising regulations to align with FTC guidance on total price transparency, and how the Massachusetts Attorney General's Office issued a sweeping advisory putting dealers on notice that hidden documentation fees violate state law, with potential double exposure under both motor vehicle dealer regulations and the Massachusetts UDAP statute. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down a New Jersey enforcement action against a dealer group that began with a 2018 consent order and escalated into a 2023 complaint packed with Consumer Fraud Act allegations — from gray market disclosures and duplicative add-ons to odometer violations and improper warranty sales. The trial court initially imposed over $10 million in penalties before two rounds of reconsideration brought the final figure down to $155,000, offering a striking look at how courts balance deterrence, proportionality, and ability to pay. Tune in for a practical breakdown of what this case means for dealers navigating compliance in an era where state enforcement is quickly becoming the front line. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso are joined by partner Brian Casey to unpack Kentucky SB 158, a new law creating a comprehensive framework for vehicle financial protection products, including GAP waivers, excess wear and tear waivers, and vehicle value protection agreements. They explain how SB 158 designates these products as "not insurance," imposes clear optionality and disclosure requirements, mandates a 30-day free look period, and addresses how benefits and refunds work — particularly in repossession scenarios. They also discuss what dealers, lenders, and administrators should do now to update forms, contracts, and processes, and how Kentucky's approach may become a model for other states considering regulation of auto add-on products. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso examine the evolving fraud threats facing auto dealers and finance companies, from income and identity fraud to vehicle-related scams like forged VINs and deceptive trade-ins. They explore how these schemes translate into chargebacks, consumer lawsuits, and regulatory scrutiny; the tension between robust fraud controls and sales friction; and why clear policies, consistent verification, strong dealer-lender agreements, and meticulous documentation are critical both to preventing fraud and defending disputes when something slips through. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down a major FTC–Maryland AG settlement with multiple auto dealerships over alleged deceptive pricing, unauthorized add-ons, and misleading financing practices. Brooke and Chris walk through the redress and penalty structure and explain how "total price," clear disclosure, and express informed consent are being enforced post-CARS Rule. They also discuss what dealers and auto finance companies should do now to strengthen compliance, documentation, and oversight of dealer practices. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this second installment of Moving the Metal: The Auto Finance Podcast's 2025 auto finance year in review, hosts Brooke Conkle and Chris Capurso unpack three emerging risk hotspots: service member auto lending, changes to Consumer Financial Protection Bureau (CFPB) larger-participant supervision, and state vehicle data privacy laws. They break down the CFPB's 2025 Servicemember Auto Lending Report, proposed shifts to the auto larger-participant threshold, and New Jersey's first-of-its-kind vehicle data deletion law — along with what each development means for compliance programs, dealer oversight, and litigation risk. Tune in to hear how federal and state trends are reshaping auto finance risk and what companies should be doing now to stay ahead in 2026. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.