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Artwork for Moving the Metal: The Auto Finance Podcast

Moving the Metal: The Auto Finance Podcast

Chris Capurso, Brooke Conkle, Troutman Pepper Locke
CFPB
Auto Finance
FTC
Auto Finance Industry
Troutman Pepper Locke
California Cars Rule
Federal Trade Commission
Louisiana
Holder Rule
Fraud In Auto Finance
Elizabeth Warren
Larger Participant Rule
Vehicle Service Contracts
Consumer Financial Services
California Senate
Kentucky SB 158
Auto Finance Fraud
New York FAIR Act
UDAP
Artificial Intelligence

Moving the Metal offers insights and engaging discussions on automotive finance. Hosted by Troutman Pepper Locke attorneys Brooke Conkle and Chris Capurso, this podcast explores key trends and developments in the automotive finance sector.

PublishesTwice monthlyEpisodes53Founded2 years ago
Number of ListenersCategories
BusinessGovernment

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Artwork for Moving the Metal: The Auto Finance Podcast

Latest Episodes

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down the FTC's newly released 14-question FAQ guide on auto price advertising transparency, the follow-up to the agency's "notorious 97" warnin... more

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In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down a recent DOJ/U.S. Attorney's Office settlement with a lease-here, pay-here dealership over violations of the Servicemembers Civil Relief A... more

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In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down a recent $4 million settlement between the FTC and the Connecticut Attorney General's Office against an auto dealership accused of decepti... more

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In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down California's CARS Act, set to take effect October 1. They trace the law's roots back to the FTC's now-overturned CARS Rule, walk through i... more

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In this crossover edition of Moving the Metal: The Auto Finance Podcast and The Consumer Finance Podcast, hosts Brooke Conkle, Chris Capurso, and Chris Willis break down the FTC's policy statement abandoning disparate impact enforcement under the Equ... more

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In this episode of Moving the Metal, hosts Brooke Conkle and Chris Capurso break down the FTC's landmark policy statement officially abandoning disparate impact enforcement and what it means for dealers and auto finance companies. They cover the agen... more

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In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso explore what it means for auto finance that the average U.S. vehicle is now nearly 13 years old, examining the macroeconomic forces behind longer own... more

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In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso break down a recent New York City Department of Consumer and Worker Protection (DCWP) enforcement action against a Bronx dealership, covering the vio... more

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Recent Guests

Sarah Johnson
Summer associate
Troutman Pepper Locke
Episode: 13 Years and Counting: The Rise of the Forever Car in America
Lauren Lamp
Summer associate assisting with episode
Troutman Pepper Locke
Episode: From the FTC to the Five Boroughs: Auto Enforcement Goes Local
Brian Casey
Colleague and friend of the pod discussing Kentucky SB 158
Troutman Pepper Locke (implied)
Episode: Kicking the Tires on Kentucky: SB 158 and the Add-On Product Revolution
Bill Foley
Partner, New York-based lawyer discussing state law developments
Troutman Pepper Locke LLP
Episode: Empire State of Scrutiny: The New York FAIR Act and Auto Lending
Joe DeFazio
Attorney discussing practical implications and compliance strategies
Troutman Pepper Locke LLP
Episode: Empire State of Scrutiny: The New York FAIR Act and Auto Lending
Nam Kang
Associate in Troutman's RISE Group
Troutman Pepper Locke
Episode: State AGs in the Driver's Seat: Auto Finance Enforcement in the Trump 2.0 Era
Chris Carlson
Partner in Troutman's RISE Group
Troutman Pepper Locke
Episode: State AGs in the Driver's Seat: Auto Finance Enforcement in the Trump 2.0 Era
Chris Willis
Colleague, referred to as Pod Father, regulatory expert
Troutman Pepper Locke LLP
Episode: The Larger Participant Rule: A New Route for Auto Finance
Kim Phan
Guest attorney discussing the Safeguards Rule
Troutman Pepper Locke
Episode: Driving Digital Security: The FTC's Safeguards Rule Explained

Hosts

Brooke Conkle
Host of Moving the Metal; partner at Troutman Pepper Locke LLP; specialization in Consumer Financial Services
Chris Capurso
Co-host of Moving the Metal; attorney at Troutman Pepper Locke; specialization in Consumer Financial Services

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Talking Points

Recent interactions between the hosts and their guests.

The Road to Regulation: Vehicle Service Contracts Explained
Q: Can you explain how states regulate vehicle service contracts and what a typical licensing regime looks like?
States generally fall into two buckets: some define VSCs and require disclosures and consumer protections; others add licensing/registration for obligors and administrators, with variations like agent licensing in some states.
The Road to Regulation: Vehicle Service Contracts Explained
Q: Tell us a little bit about your practice and how it connects to auto finance.
Brian describes his work as a corporate and regulatory attorney in insurance and reinsurance, focusing on vehicle service contracts, privacy, and regulatory compliance, and explains how VSCs intersect with insurance, administrators, and manufacturers.
The Larger Participant Rule: A New Route for Auto Finance
Q: So if the Bureau revisits the larger participant role, how is that going to impact the auto finance industry?
If examinations focus on the largest participants while many others are eased out of supervision, the regulatory burden could shift toward the biggest firms, potentially altering competitive balance and market dynamics for smaller lenders.
The Larger Participant Rule: A New Route for Auto Finance
Q: Well, Chris C., why don't you tell us a little bit about the larger participant rule?
The rule defines larger participants by a threshold of aggregate annual originations, including originations of the company and its affiliated entities, with specific exclusions, and applies to non-bank entities active in auto financing.
Soaring Repos and Senate Requests: Warren Targets Auto Finance
Q: What are the five buckets of data Warren is seeking, and why do they matter for auto finance companies?
They want a wide range of information—from repossession activity to vendor contracts and personal property in repossessed vehicles—because the aggregate data could illuminate systemic practices, identify risk areas, and potentially inform future regulation or supervisory focus.

Audience Metrics

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Frequently Asked Questions About This Podcast

What is This Podcast about and what kind of topics does it cover?

Industry-focused discussions around automotive finance, regulatory enforcement, and consumer protections are a hallmark. Episodes frequently dissect UDAP and fair lending concerns, state and federal enforcement actions, and the evolving role of technology—ranging from AI-driven underwriting to digital onboarding and fraud prevention. A distinctive angle is the blend of practical compliance guidance for lenders and dealers with expert legal analysis from a prominent law firm, often featuring regulatory updates, case studies, and actionable takeaways for participants across the auto finance ecosystem. The show's guests typically include experienced attorneys and industry colleagues, which helps translate complex rules into tangible steps for ... more

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These podcasts share a similar audience with this podcast:

1. The Consumer Finance Podcast
2. Consumer Finance Monitor
3. WSJ What’s News
4. The Indicator from Planet Money
5. Up First from NPR

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this podcast launched 2 years ago and published 53 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on this podcast?

Recent guests on this podcast include:

1. Sarah Johnson
2. Lauren Lamp
3. Brian Casey
4. Bill Foley
5. Joe DeFazio
6. Nam Kang
7. Chris Carlson
8. Chris Willis

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