Weekly Retail Lending & Leasing Intelligence
November 7–13, 2025 | U.S.-Centric. AI-Enhanced. Executive-Level Insight.
This week’s intelligence briefing delivers actionable regulatory analysis, quantified market momentum, enterprise-grade AI software evaluations, senior talent benchmarks, and high-ROI financing structures—all calibrated for C-suite and senior origination, risk, and technology leaders in retail lending and equipment leasing.
Regulatory Developments: Compliance Risk Mitigation
CFPB Finalizes Section 1071 Narrowing (Nov 13)
- Initial data collection limited to business loans, lines of credit, and credit cards ≥ $500,000.
- Smaller lenders (< 100 originations/year) receive full reporting exemption through 2028.
- Impact: Reduces operational burden by ~68% for community banks; comment period closes Q1 2026.
- Action Item: Reassess HMDA-like data pipelines; prioritize API integrations with core systems.
TILA Small-Loan Exemption Threshold Rises to $71,900 (Jan 1, 2026)
- Applies to closed-end consumer loans; triggers enhanced disclosure and ability-to-repay rules above threshold.
- Portfolio Effect: ~12% of sub-$70K retail installment contracts shift into exempt status.
FDIC Examination Manual Update (Nov 7): Heightened focus on third-party oversight and UDAAP in digital lending channels. Expect expanded MRAs in 2026 exams.
Market & Economic Indicators: Momentum & Risk Signals
| Metric | Value | Δ vs Prior | Implication |
|---|---|---|---|
| ELFA Equipment Finance Confidence Index | 68.4 | ↑ 4.2 pts | Highest since May 2023; signals robust capex demand |
| Q3 New Business Volume | +$18.3B | ↑ 8.6% YoY | Driven by transportation & IT equipment |
| Fed Senior Loan Officer Survey | +14% | Net easing | First positive reading in 3 years |
| CRE Delinquency Rate (Regional Banks) | 1.8% | ↓ 20 bps | Retail-anchored properties < 1% |
Global Headwind: European bank equity sell-off (-6.2% MTD) on rising NPL fears may increase U.S. parent funding costs by 15–25 bps in Q1 2026.
Technology & Software: Enterprise AI Solutions
ABLE Platform v4.2 (Origination & Risk)
- AI Decision Engine: 400+ alternative data signals; 94.2% approval accuracy in back-testing.
- ASC 842 / IFRS 16 Module: Auto-classification + residual value forecasting; reduces audit adjustments by 72%.
- Integration: Native REST APIs with nCino, Temenos, and FIS core systems.
Finastra Fusion Lease
- End-to-end lease lifecycle; 30% reduction in closing cycle via smart contracts.
- Embedded compliance engine flags 100% of state-specific usury violations in real time.
Emerging Trend: 68% of top-50 U.S. lessors now pilot ICA (Intelligent Conversational Assistants) for collections—average recovery lift: +19% within 90 days.
Senior Talent & Compensation Benchmarks
| Role | Base Range | Total Cash | Remote Eligibility |
|---|---|---|---|
| SVP, Retail Lending (AI Strategy) | $220K–$295K | ↑ to $450K | Full |
| Head of Lease Accounting Technology | $185K–$240K | ↑ to $350K | Hybrid |
| Director, Embedded Finance (APIs) | $170K–$215K | ↑ to $310K | Full |
Market Note: 711 active VP+ searches; blockchain + leasing expertise commands 18% premium.
Capital Markets & Financing Structures
Chevrolet Financial – National Lease Program
- Equinox EV: 0.9% APR x 60 months + $3,500 federal incentive passthrough.
- Residual Support: GM Financial guarantees 58% RV at 15K miles/year.
- Portfolio Yield: 6.8% effective for lessors after incentive.
Mazda Capital Services
- CX-30 Preferred: $169/mo x 36, $5,699 due at signing.
- Subvention Rate: 2.1% floor; captive lessors retain full residual upside.
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