Advocacy

Fighting for transparent, inclusive, and customer centric policies and practices

Policy goals

Responsible Bank-Fintech Partnership
Promoting a unified regulatory framework for bank-fintech partnerships and federal interest rate caps to ensure fair access to credit for historically excluded communities
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Banking-as-a-Service
Advocating for clear regulatory guidelines and interagency cooperation to foster responsible innovation and protect consumers in the evolving BaaS landscape
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Earned Wage Access
Seeking tailored regulatory frameworks that distinguish EWA from loans, ensuring consumer protections and fostering financial inclusion for workers
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Buy-Now-Pay-Later
Supporting responsible Buy-Now-Pay-Later lending, while advocating for unified regulations that include clear disclosures of borrower responsibilities
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Open Banking
Promoting a consumer-protected open banking ecosystem through comprehensive regulatory frameworks that enhance competition
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Artificial Intelligence
Advocating for use case-specific regulations of AI in financial services to enable its responsible use for improving consumer benefits
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Supervisory and Regulatory Technology
Encouraging the use of regulatory technology to enhance financial product oversight and industry efficiency, fostering collaboration between regulators and industry
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Student Lending
Supporting transparent student lending practices and advocates for technology- driven solutions to improve access to credit and repayment processes
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Responsible Innovation within the Credit Reporting Ecosystem
Pushing for modernization of the credit reporting ecosystem to empower consumers and promote responsible innovation while ensuring transparency curbing fraudulent practices
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Digital Assets
Advocating for a level playing field for all responsible financial services companies to engage in a safe and sound digital assets space.
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Payments
Supporting modernization of the payments system to improve consumer experiences and lower enterprise costs while combatting illicit activities.
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Advocacy

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2.26.2026

AFC Response to DFPI Second Invitation on Proposed Rulemaking Under the California Consumer Financial Protection Law Regarding Registration and Reporting of Covered Persons

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2.26.2026

AFC Response to DFPI Second Invitation on Proposed Rulemaking Under the California Consumer Financial Protection Law Regarding Registration and Reporting of Covered Persons

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2.20.2026

Federal: AFC Response to OCC RFI on CRA Simplified Strategic Plan

2.20.2026

Federal: AFC Response to OCC RFI on CRA Simplified Strategic Plan

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2.18.2026

WV: AFC Letter in Support of Senate Bill 702

2.18.2026

WV: AFC Letter in Support of Senate Bill 702

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2.17.2026

A Call for Action: Removing Regulatory Barriers to Healthy Secondary Markets in Consumer Credit

2.17.2026

A Call for Action: Removing Regulatory Barriers to Healthy Secondary Markets in Consumer Credit

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2.12.2026

Federal: AFC Letter in Support of the American Lending Fairness Act

2.12.2026

Federal: AFC Letter in Support of the American Lending Fairness Act

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2.11.2026

Federal: AFC Letter in Support of the Tailored Regulatory Updates for Supervisory Testing (TRUST) Act

2.11.2026

Federal: AFC Letter in Support of the Tailored Regulatory Updates for Supervisory Testing (TRUST) Act

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2.11.2026

Federal: Letter in Opposition to the Empowering States Rights to Protect Consumers Act of 2026

2.11.2026

Federal: Letter in Opposition to the Empowering States Rights to Protect Consumers Act of 2026

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2.10.2026

AZ: Joint Industry Letter in Opposition of SB 1421

2.10.2026

AZ: Joint Industry Letter in Opposition of SB 1421

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2.9.2026

Federal: AFC Letter for Support for Title VI of the Housing for the 21st Century Act (H.R. 6644) and Recommended Amendments to Modernize Deposit Frameworks

2.9.2026

Federal: AFC Letter for Support for Title VI of the Housing for the 21st Century Act (H.R. 6644) and Recommended Amendments to Modernize Deposit Frameworks

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