PODCAST · business
Consumer Credit Matters
by William Black
Welcome to the Consumer Credit Matters podcast, where we discuss and analyze the world of consumer credit, credit risk and finance.
Episodes
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40 Years in ABS with John Costa: Monolines, Timeshare, Extendable ABCP & Bank Charters
John Costa spent 40 years in consumer credit and securitization — from E.F. Hutton and the first timeshare ABS deal to building Merrick Bank at CardWorks. He walks through the innovations that worked, the one that didn't survive 2008, and the bank-charter decision every fintech faces today. John...
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Carvana's New-Car Gambit ft. Charlie O'Shea
Carvana built its brand by killing the dealership. Now it's buying them. Host William Black sits down with Charlie O'Shea (President, O'Shea Advisors and the analyst who first called Carvana the "Amazon of auto retail") to unpack Carvana's push into franchised Chrysler, Dodge, Jeep, and Ram…
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When Retailers Can't Move the Goods
There's an operational layer underneath consumer credit that most analysts never see: what actually happens to retail inventory when it doesn't sell, when a retailer goes bankrupt, or when a brand orders too much for the wrong season. Someone has to move those goods, and how efficiently they get...
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Consumer ABS: Built, Broken, Rebuilt — with Bonnie Seideman
Bonnie Seideman has spent thirty years inside the machinery of consumer credit — from subprime auto in 1990s Dallas to running capital markets at Capital One, Santander, GE Capital, and Synchrony. In this episode of Consumer Credit Matters, Bonnie walks through how the modern consumer ABS market...
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Bitcoin Meets Structured Finance: Breaking Down Ledn's BBB- Rated ABS | E26
The First Investment-Grade Bitcoin-Backed ABS — How Ledn Did ItIn February 2026, launched a groundbreaking $200 million Bitcoin-collateralized loan ABS, rated BBB- by S&P Global — the first investment-grade rating ever assigned to a Bitcoin-backed securitization. Then, during pricing, Bitcoin...
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How JD Power Tracks Auto Inventory
Brian Terr, who heads JD Power's Inventory Data Sales unit, joins Consumer Credit Matters to unpack how dealer inventory data intersects with auto finance, floorplan lending, and collateral accuracy. In this episode, we explore why tracking what is actually on a vehicle matters so much, how…
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Collections 2026: An Insider's View
Collections is often discussed from the consumer angle. In this episode, Will Black goes inside the collector side of the business with John Bedard (Bedard Law Group), who advises debt collectors, debt buyers, and creditors on compliance, regulation, and litigation risk. We cover what “reg-lite”...
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VantageScore Challenges FICO
Mortgage credit scoring is entering a new competitive phase—raising practical questions for originators, aggregators, guarantors, and RMBS investors about calibration, comparability, and workflow adoption. In this episode, VantageScore leaders, Rikard Bandebo and Tony Hutchinson, break down…
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Big-Box Holiday Outlook
Retailers are navigating a complicated environment marked by structural shifts, uneven consumer strength, and lingering pandemic-era distortions. In this episode, retail expert Charlie O’Shea, known for his clear-eyed analysis, returns to break down why some big-box operators continue to...
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Inside Crypto Lending: Risk, Servicing, and Securitization with Emily Barron of Zaria | E21
Crypto-backed lending is re-emerging as a serious funding channel — but only if lenders can meet institutional standards around collateral control, servicing, and risk management. In this episode, Emily Barron, CEO and co-founder of Zaria, breaks down the operational and capital-markets...
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E20 The Tricolor Collapse: Vervent's Inside View as Successor Servicer
In this episode of Consumer Credit Matters, host William Black talks with David Johnson (CEO) and Derek Gamble (CLO) of Vervent, the firm that stepped in as successor servicer following the Tricolor Auto bankruptcy. They share what it takes for a backup servicer to become the front line in a…
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E19 After Tricolor: How Technology Could Close the Double-Pledging Gap
Summary: In this episode of Consumer Credit Matters, William Black sits down with Sid Siddhartha (CEO, Intain) to discuss how AI and blockchain could help prevent issues like the alleged double-pledging at Tricolor Auto. They explore what went wrong, how real-time data could change collateral...
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E18 Driving Into Default: Tricolor and the Subprime Auto Fallout
In this episode of the Consumer Credit Matters podcast, host William Black and guest Rod Dubitsky (aka The People's Economist) discuss the recent Chapter 7 bankruptcy filing of Tricolor, a subprime auto lender. They explore the unique business model of Tricolor, the implications of fraud...
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Legalese Meets AI: Augmenting Decision-Making Across Structured Finance
In this episode of the Consumer Credit Matters podcast, host William Black interviews Peter Jasko, CEO and co-founder of Semeris, a company focused on enhancing the efficiency of reading and analyzing legal documents in the securitization market. They discuss the role of technology, particularly...
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E16 Backup Servicing: The Unsung Hero of Consumer Credit Finance
In the structured finance world, there’s a quiet hero most folks overlook: the Backup Servicer. Until... they’re needed.In the latest episode of the Consumer Credit Matters Podcast, I sit down with Louis Geibel and Juliellen DeLuca from Vervent, one of the industry’s leading backup servicers. We…
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E15 Building the Rails for Digital Securitization: Inside Intain’s Philosophy
In this episode of the Consumer Credit Matters podcast, host William Black engages with Sid, CEO of Intain, and Patrick Tadie, an advisory board member, to explore the transformative impact of AI and blockchain technology on structured finance. They discuss the challenges of adoption, the…
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E14: Redesigning Credit Risk Modeling
Dr. Joseph Breeden thinks the industry is long overdue for a reset. In the latest episode of the Consumer Credit Matters podcast, we dig into what’s broken—and how to fix it. With decades of experience developing models across mortgages, auto loans, and consumer credit, advising top financial...
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E13 Chipping Away at Securitization: Implications of the CFPB vs. NCSLT Decision
In this episode of the Consumer Credit Matters podcast, I sat down with Steve Macy to dissect the Supreme Court's recent decision to deny certiorari in the CFPB vs. National Collegiate Student Loan Trust (NCSLT) case. For those in the structured finance world, this decision strikes at a…
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E11: Carvana's Comeback - Navigating Debt, Growth and the Future of Auto Retail
🚘 On this latest episode of the Consumer Credit Matters podcast, I'm joined once again by the ever-insightful Charlie O'Shea, an expert on the automotive market. Together, we dive deep into Carvana's recent Q3 earnings and discuss their remarkable comeback from the brink of bankruptcy just a...
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E10: Cardo AI's US Push: Fintech Meets Credit
In this conversation, Altin Kadareja, founder of Cardo AI, shares his journey from Albania to establishing a fintech company focused on asset-based credit. He discusses the challenges and opportunities in the private credit market, the integration of AI and technology in financial services, and…
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E9: AI in Lending - An SFR Symposium Recap
In this episode of the Consumer Credit Matters podcast, I'm sharing some key takeaways from the recent (August 7, 2024) Structured Finance Association's (SFA) Research Symposium, where I had the privilege of moderating a panel on the timely topic of AI in lending. During the panel, we delved into...
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E8: Behind the Wheel of Karus: Aaron Travis on Optimizing Auto Loans
Aaron Travis, CEO and co-founder of Karus, delves into his background and the inception of Karus, a pioneering tech solutions company for the auto sector. He details how Karus leverages data and predictive technologies to enhance auto lending for a diverse range of clients, including banks…
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E7: From Regulator to Innovator: Insights from Industry Veteran Steve Linehan
Join me for an insightful discussion with consumer credit and capital markets veteran, Steve Linehan. Steve delivers a master class in leadership and career management, sharing his experiences from his time at the Federal Deposit Insurance Corporation (FDIC) , serving as treasurer of Capital One…
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E6: Corporate Credit Insights for the Consumer Sector with Bob Jankowitz
Please join me for Ep. 6 of Consumer Credit Matters podcast featuring an engaging, reprise discussion with Bob Jankowitz. Jankowitz shares his expertise on the intersection of corporate and consumer credit, offering valuable insights into the current economic landscape, including “meta” topics…
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E4: Autos with Charlie O'Shea
I'm excited to share the latest episode of my podcast "Consumer Credit Matters," where I delve into the complexities of the automotive market with none other than Charlie O'Shea. With over three decades of experience in the auto industry, Charlie offers an insightful discussion on the cultural…
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E5: Third Circuit's Surprise Decision with Stephen Macy
Hello and welcome to the fifth episode of the "Consumer Credit Matters" podcast. In this Guest Series, Stephen Macy, a distinguished legal expert in structured finance joins me to shed light on a recent landmark decision from the Third Circuit Court of Appeals, CFPB vs. National Collegiate…
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E3: Data Centers with Gerry Granovsky
In the latest installment of my Guest Series on the Credit Card Matters podcast, I had the pleasure of diving deep into a topic that, while often overlooked, forms the backbone of our digital and financial infrastructures: data centers. My guest, Gerry Granovsky, a seasoned expert with over…
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E2: Consumer Credit Paradox
In this keynote speech recap, William Black discusses the consumer credit paradox, where macroeconomic statistics show positive trends while consumer credit performance is poor. He highlights the record levels of consumer debt and the acceleration of debt levels due to increased spending and...
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E1: Bob Jankowitz and Will Black Discuss Credit
In this episode, William Black and Bob Jankowitz discuss consumer credit and its impact on the economy. They explore the definition of consumer credit and its various categories, such as mortgages, credit cards, auto loans, and student loans. They also examine the current health of consumer…
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ABOUT THIS SHOW
Welcome to the Consumer Credit Matters podcast, where we discuss and analyze the world of consumer credit, credit risk and finance.
HOSTED BY
William Black
CATEGORIES
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Frequently Asked Questions
How many episodes does Consumer Credit Matters have?
Consumer Credit Matters currently has 29 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Consumer Credit Matters about?
Welcome to the Consumer Credit Matters podcast, where we discuss and analyze the world of consumer credit, credit risk and finance.
How often does Consumer Credit Matters release new episodes?
Consumer Credit Matters has 29 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to Consumer Credit Matters?
You can listen to Consumer Credit Matters on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Consumer Credit Matters?
Consumer Credit Matters is created and hosted by William Black.
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