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How Longer Vehicle Ownership Is Rewriting the F&I Playbook
Something significant has shifted in the automotive retail landscape, and it is showing up in the F&I office every day. American consumers are holding their vehicles longer than ever before. Not because they want to, but because they have to. Ele
Jul 13, 2026
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The Mid-2026 Car Market: Higher Prices, Hybrids and a Shift in Demand
Key Takeaways: New car prices reached $50,900 in spring 2026 — a 3.3% increase since December — widening the new-to-used price gap to $21,000 and driving buyers firmly into the used market. Used hybrid sales are up 34% year-to-date in 2026, wit
Jul 13, 2026
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U.S. Auto Loan Debt Hits a Record $1.69 Trillion
Key Takeaways: U.S. auto loan debt reached a record $1.69 trillion in Q1 2026, up 37% since 2018, driven by rising vehicle prices, elevated interest rates and loan terms stretching to unprecedented lengths. Nearly 1 in 4 new-vehicle buyers in Q2
Jul 10, 2026
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Why the Lump Sum Auto Protection Model Is Under Pressure and What Dealers Should Be Doing About It Now
It happened to software. Then music. Then television, fitness, meal delivery, and eventually to automobile ownership itself. The subscription model did not merely change how consumers paid for things. It changed what they expected from every purchasi
Jul 9, 2026
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ASE Education Foundation Receives $25 Million Federal Grant to Put a New Generation of Service Technicians to Work
The four-year U.S. Department of Labor initiative pays for employers to hire and keep new auto, collision, and truck technicians — and gives the industry a proven way to grow the workforce.
Jul 8, 2026
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The Invisible Tax on Dealership Advertising
For years, automotive retail has approached digital advertising as a volume game. The prevailing assumption has been that more traffic, more impressions and more leads naturally translate into more sales. However, as inventory costs rise, margins tig
Jul 7, 2026
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F&I Fraud Starts Before the Paperwork Is Done
Every dealer knows the feeling. The credit application looks clean. The payoff checks out. Everything on paper points to a straightforward deal. Then someone pulls the title and the whole thing unravels. By the time this is spotted, it’s usually to
Jul 7, 2026
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Beyond Clean Data: Why Model Validation Is the Real Test for AI in Auto Lending
Auto lenders today are now realizing that AI can speed up approvals and funding, sharpen fraud detection, and tighten compliance, provided the data feeding those models is clean, complete, and unbiased. That advice is sound, but it stops short of the
Jul 2, 2026
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Modernization Delays Are Becoming Competitive Liabilities
Something significant is already reshaping automotive finance, and the data is beginning to bring into focus what many lending professionals have been experiencing firsthand. A recent nationwide survey of lending professionals across banking, auto fi
Jul 1, 2026