Issue No. 16 | July 21, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE VEHICLE MARKET NUMBER: $687.7 billion Federal Reserve G.19 data puts finance company nonrevolving consumer credit outstanding at $687.7 billion in May 2026, down from a 2024 peak of $721.1 billion. Against that backdrop, finance companies are applying greater […]
Issue No. 15 | July 14, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. Recommended reading before the desk: The $39 Billion Home Warranty Opportunity: What DTC Marketers Need to Know. The aging-asset and repair-cost dynamics in that piece are the same forces driving VSC economics on your lot. THE VEHICLE MARKET NUMBER: 12.8 years […]
Issue No. 14 | July 7, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE VEHICLE MARKET NUMBER: 7.52% Federal Reserve G.19 data puts the average new car 60-month loan rate at 7.52% as of February 2026, meaningfully above the floor that conditioned both consumers and F&I desks through 2020-2022. At current rates, […]
Issue No. 13 | June 30, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. Recommended reading before the desk: What the War in Iran Means for DTC and Dealership Marketers. The May CPI confirmation and June FOMC decision make the inflation timeline from that earlier analysis concrete for F&I. THE VEHICLE MARKET NUMBER: +44% BLS […]
Issue No. 12 | June 23, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE VEHICLE MARKET NUMBER: 3–10x In direct-to-consumer acquisition, house lists generate 5–9% response rates while prospect lists generate 0.5–2.5%, a 3–10x efficiency difference documented in the DMA Response Rate Report. That differential reflects what happens when marketing spend expands […]
Issue No. 11 | June 16, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE VEHICLE MARKET NUMBER: 7 Seven lifecycle states. The Dark Sky Data Retention Analysis Tool classifies every account in a dataset as: Retained accounts are further classified as: based on volume movement relative to the prior period and a […]
Issue No. 10 | June 9, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE VEHICLE MARKET NUMBER: $1.561 TRILLION The Federal Reserve G.19 release from May 7, 2026 puts motor vehicle loans outstanding at $1.561 trillion as of March 2026. The average new-car 72-month loan rate was 7.55% as of February 2026. […]
Issue No. 9 | June 2, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE VEHICLE MARKET NUMBER: 69 MONTHS The average used vehicle loan term extended from 64 months in 2018 to 69 months in 2025, according to Experian data cited in Colonnade Advisors’ March 2026 Direct-to-Consumer Vehicle Service Contract Industry Analysis. […]
Issue No. 7 | May 19, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE NUMBER: $2.9M $2.9 million is the 2026 IRC §831(b) annual premium volume threshold, up $50,000 from the 2025 limit of $2.85M, per IRS Rev. Proc. 2025-32. A Dealer Owned Warranty Company with annual premium volume below that level […]
Issue No. 6 | May 12, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE STATISTIC: B+ B+ is the minimum AM Best financial strength rating that states generally require of Contractual Liability Insurance Policy insurers, the carrier that backs many VSC, GAP, and ancillary protection products sold at the dealership. That threshold […]
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