Tom Oscherwitz and Husain Radiowala

Tom Oscherwitz is Informed’s General Counsel. He has over 25 years of experience as a senior government regulator (CFPB, U.S. Senate) and as a fintech legal executive working at the intersection of consumer data, analytics, and regulatory policy.

Husain Yusuf Radiowala is Informed.IQ's Senior Data Analyst. He is an accomplished analytics professional with 9 years of experience in FinTech, Marketing, Sales and Supply Chain Analytics in which he leverages his expertise in Data to extract meaningful insights from complex financial datasets.

New Data Reveals First Look at Insights into Voluntary Protection Products by Consumer Categories and Employment Type

This is the 3rd and final installment of a multi-part series on voluntary protection products. You can see previous posts Blog 1, Blog 2 here.

Introduction

If auto lenders weren’t concerned about fair lending risk in their portfolio before now, President Biden’s recent Executive Order on the AI and other Federal Agency announcements have put discrimination risk squarely in focus.

Voluntary Protection Products: Do males and females get the same deal?

AI-generated image from Midjourney. Voluntary Protection Products Blog. This is the 2nd installment in a multi-part series on voluntary protection products. You can see the previous post here.

Many car buyers supplement their car purchases with voluntary protection products (VPPs) like maintenance plans, appearance protection, and anti-theft devices. Informed conducted research to explore this trend.

Voluntary Product Pricing Trends

This is the first in a series of Informed blogs about motor vehicle/voluntary protection products (VPPs). When consumers go to a car dealership, they often buy supplemental services and protections for their cars commonly called voluntary protection products (VPPs). Cars are expensive and these services appeal to consumers wishing to protect their investment.

GAP Restrictions Revisited

In the last edition of Compliance Monthly, we shared original Informed research describing how auto lenders and dealers have responded to the new California guaranteed asset protection (GAP) waiver law, AB 2311. Automotive News included details from that blog and this one in their article covering that law. This edition extends our research to three key areas.