Auto Lending in the US has experience a surge in recent years. According to Wall Street Journal in late 2015, auto lending volume has reached 2006 level. Subprime auto loans has surged to $110 billion with credit score below 660, out of which $70 billion are issued to consumer with credit score of 620 or less. With increasing scrutiny from CFPB - Consumer Financial Protection Bureau, deeper understanding of the consumer's ability to pay is in the forefront of CFPB' Auto Lending Guidance published in 2015. LendFoundry has been working with emerging auto lending fintech startups to properly manage credit, fraud and residual value risk and helped many lenders to navigate this complex credit and compliance environment.