Fraud, Repos & the Rise of AI: What Every Subprime Lender Needs to Know Webinar
Thursday, September 25, 2025 (2:00 PM - 2:45 PM) (CDT)
Description
Repossessions are surging to historic levels while auto loan fraud is rising at a record pace amplified by AI—creating a perfect storm for BHPH dealers and subprime lenders. In this NIADA webinar, we’ll break down the latest industry data, explore the economic and fraud factors driving today’s risk, and discuss what these converging challenges mean for your business. Attendees will walk away with the actionable insights you need to make smarter lending decisions, reduce losses, and stay ahead of the growing threats facing our industry.
The Repo Surge
Repossession assignments hit 1.85M in 2024, up 23% from the prior year, and are already surpassing those totals in 2025. Rising costs, longer loan terms, inflation, and mounting consumer debt are fueling the spike.
Economic Pressures on Borrowers
Average used vehicle prices climbed nearly 30% since 2019, while household debt hit $17.7T. Subprime borrowers are stretched thin, leaving portfolios more vulnerable to delinquency despite low unemployment.
AI-Powered Fraud is Escalating
Fraud losses hit a record $9.2 billion in 2024. But the real disruptor? AI tools are now making it fast and easy to forge pay stubs, fake IDs, and synthetic identities. Fraud is no longer niche—it’s scalable, social, and harder to detect than ever.
Converging Risks for Dealers & Lenders
Repos and fraud now go hand-in-hand—fraudulent sales often become early repos. Addressing both front-end and back-end risk is critical to protecting portfolios in today’s volatile market.
* Registrant's contact information will be provided to the presenter
Webinar event hosted by NIADA
