Lenders plan business continuity for their core banking systems but often leave recovery case management out. When a repossession platform goes down, the lender carries the risk: wrongful repossessions, collateral that never gets recorded, missed state notice deadlines and consumer complaints. This post explains why case management becomes a single point of failure and how vendor hosting and industry concentration make that risk bigger. It then lays out a six-step recovery disaster recovery plan: set an RTO and RPO, keep a synced system of record you control, define an alternate path, plan outage communications and test once a year.

Volume is up, and headcount is flat across auto recovery. MBSi Head of Product Heather Ford shares what lenders, forwarders and agencies are asking for from their repossession platform in 2027: faster delivery on requests, self-service tools, and training that gets the whole system used.

When a lien check flags an issue, recovery cases stall while teams trade emails. MBSi’s new Lien Verification Manager access gives titles teams a focused view of your lien verification queues, with the same results and case details your recovery team sees. Both teams can work flagged cases side by side, catch issues before repossession, and keep accounts moving.

Insurance, personal property, fuel, and compliance costs are reshaping repossession. 5 takeaways from our CCUCC panel of lenders, agencies, and forwarders.

Most lenders track repossession vendor activity but never turn it into performance insight, leaving renewals, terminations, and budgets to gut feel. With 2027 planning underway and recovery volume climbing, this guide covers the five metrics to build a vendor scorecard around, how often to review them, and how to use the results to negotiate better terms and shift volume toward your strongest vendors.

MBSi has successfully completed its SOC 2 Type II audit — an independent verification that the security controls protecting customer data aren't just documented, but consistently followed in practice. In this post, Director of Compliance Brian Velasquez shares what the achievement really represents: a company-wide commitment to trust, accountability, and doing right by the customers who rely on MBSi every day.

Auto lending in 2026 is splitting in two: super-prime borrowers stay steady while subprime delinquencies hit their worst levels in over 30 years. Near-$50,000 vehicle prices and 73–84 month loan terms are pushing repossessions toward 3 million vehicles annually and leaving 30% of trade-ins underwater by an average of $7,000+. Ray breaks down what's driving the squeeze, why losses haven't spiraled as badly as delinquencies suggest, and why the math behind ever-longer loan terms is approaching a hard ceiling — plus what the coming correction could look like.

Manual repo invoicing costs teams 26+ hours a month. See the real challenges, how Smart Invoicing automates 88% of approvals, and the results lenders see.

For lenders and forwarders managing high volumes of cases, the order of operations matters more than most people realize. Assigning cases before confirming lien status can create workflow inefficiencies, costing both clients and service providers time and money. Read to learn how MBSi's lien verification has the ability to check lien status before a case is assigned to a service provider

In the repossession industry, speed and accuracy must work together. One of the most important — and sometimes overlooked — steps in the recovery process is lien verification. Whether you're a lien holder placing an assignment or a field agent executing a recovery, understanding that the lien holder has rights to the vehicle makes the difference between a compliant repossession and a serious legal liability. MBSi's Lien Verification now includes badging to let recovery agents know whether the lien has been verified by the client.

I've attended the Collection and Recovery Solutions conference in Las Vegas for 13 years. And every year, I walk away with insights into the industry through thought-provoking sessions and honest discussions with attendees. This year was another for the books! The energy on the floor felt different: more urgent, more candid, and more focused on execution than theory.

The energy at the North American Repossessors Summit never gets old, and this year was no exception. We were thrilled to be back among so many familiar faces — and plenty of new ones — as agents, lenders, forwarders, and partners gathered under one roof to share ideas, exchange honest feedback, and talk through where our industry is headed.

Liz Schuerman wrapped up the 2026 National Credit Union Collections Alliance conference in Las Vegas. Read her blog to learn about her honest takeaways, including using AI in collections, conversations credit unions need to have about recovery and the importance of data.

Some people come to a job for the paycheck. Others come for the opportunity. Dawn O'Meara, MBSi’s Agency Advocate, came for the family —and twelve years later, she'll tell you she found exactly that.

Wrongful repossessions caused by lien loss remain one of the most expensive and preventable risks in auto lending. While many banks have a verification workflow in place, the process can be reactive and manual, leading to delays and oversight. That is why lenders are turning to automated lien verification solutions to streamline the process and mitigate wrongful repossession risks.

Recent data from Santander reveals a striking trend: car buying intent has reached its highest level in years, with roughly one in three middle-income households planning to purchase a vehicle in 2026. But beneath this promising surge in demand lies a more complex story, one that presents both significant opportunities and notable challenges for auto lenders. Learn how lenders can leverage a case management platform to help manage the rising demand and growing risk.

As we close out 2025, we're reflecting on what mattered most this year: working alongside our clients to solve real challenges and move the industry forward. Your feedback shaped what we built, how we prioritized, and where we're headed next.

I’m excited to share that Cherokee Media Group has recognized me as one of its 2025 Women in Collections and Recoveries. This annual program celebrates women shaping key areas of the auto finance and remarketing industries—including compliance, strategy, operations, and technology. I’m humbled to be included in this peer-nominated list alongside such talented professionals.

Are you currently taking advantage of all your SaaS platform’s capabilities? Chances are you’re not. In fact, you’re not alone. 84% of SaaS customers are not utilizing all the features offered within their platform of choice. While all the bells and whistles may sound nice, the features and solutions that go unused are costing you. That is why it is imperative to choose a solution that allows you to add microservices, so you can get the most out of what you actually need.

At last month’s Used Car Week conference, I moderated a lively panel discussion including several auto recovery and financial services experts. We discussed how the repossession industry is at a crossroads of rising costs, insurance challenges, and strained relationships. The conversation focused on three critical themes: contracts and fairness, affordability and sustainability, and accountability and transparency.

At ARA’s 61st Convention last month in Reno, I had the opportunity to host a cross-industry panel of lenders, forwarders, agents, transporters and insurance providers for an open dialogue about industry challenges and a push for collaborative solutions. The overall takeaway from the discussion was the need for improved collaboration, standardization, and education to strengthen the recovery ecosystem.

MBSi's VP of Partnerships and Sales Liz Schuerman recently chatted with Loanbridge’s COO Nat Parker to learn more about Loanbridge, why it’s essential to have the right technology partners in place and working together to fuel a cohesive recovery strategy, and what’s to come in the MBSi-Loanbridge partnership.

Automotive loan recovery can be a resource-heavy, time-consuming process, especially for small banks and credit unions. Manual tracking of delinquent accounts, contacting borrowers, and managing repossessions often lead to delays, errors and rising costs for the lienholder. As the number of delinquent auto loans continues to rise this year, it’s imperative for banks and credit unions to get ahead. How? To streamline the auto loan recovery process, many are turning to the power of automation to accelerate vehicle recovery, manage compliance, and pay service providers.

Get to know MBSi's Professional Services Manager, Dennis Richeson. Dennis is instrumental in helping our clients optimize their recovery performance and drive operational efficiencies. Learn more about Dennis' role at MBSi, best advice he's received, as well as what he likes to do outside of work.

Hurricane season is upon us. During times like these, it’s crucial for banks and credit unions with automotive assets in impacted areas to have a disaster preparedness plan in place to help preserve your customers and members’ safety and well-being during crisis.

When agents are in the field, every second counts. A missed update or miscommunication with the back office can be costly — both financially and legally. That’s why field agents are turning to RCM as their mobile companion.

Get to know MBSi's Senior Technical Account Manager Michelle Cunningham. Michelle heads up our Technical Account Management and works closely with MBSi clients to oversee the tech aspect of their business. Learn more about Michelle, what her role is at the company, and her interesting career before joining the repossession industry.

In 2024, 1.73 million vehicles were repossessed—the highest volume since 2008-2009. Paired with delinquencies reaching an all-time high, keeping a pulse on your repossession strategy is more critical than ever. One of the most effective tools for lenders who are trying to improve recovery outcomes is the vendor scorecard. When used strategically, vendor scorecards don’t just measure results, they drive them.

MBSi is dedicated to bringing you innovative technology that grows with your company and provides tools you need to achieve your goals. A lot of big changes are happening behind the scenes here, and we’re excited to officially unveil our latest one—a new look and feel for MBSi.

Get to know MBSi National Account Manager Justin Ramsey. With over 10 years of experience in the industry, Justin is instrumental in helping MBSi clients attain their goals using RecoveryConnect. Learn more about Justin's role and what he likes to do outside of work.

Last week, I had the opportunity to attend Collection and Recovery Solutions 2025 in Las Vegas. I’ve been attending this conference for 12 years, and it’s still one of the most insightful events in the industry. As Head of Product at MBSi, I always look forward to stepping out of the day-to-day and into environments where ideas, challenges, and opportunities are flying around like confetti. This year didn’t disappoint.

The North American Repossessors Summit (NARS) 2025 has officially wrapped, and the MBSi team was thrilled to be on the ground in Orlando, Florida. It was a great opportunity to connect face-to-face with agents, lenders, forwarders, partners and industry leaders to share ideas, listen to feedback, and showcase what we’ve been building.

Whether you’re a large financial institution or a small community bank or credit union, most lenders have one thing in common: the pain point of invoicing and fee management with repossession vendors. See why efficient lenders are turning to Smart Invoicing to automate and simplify their fees and invoicing process.

A major challenge in the automotive lending industry is ensuring proper lien verification before repossession. Although an error in this process is rare, it can have catastrophic financial and reputational consequences. Learn more about lien verification and how to avoid errors to protect your business and reputation.

A sound compliance strategy requires a strong understanding of industry regulations and guidance regarding auto repossessions and third-party vendors. This is critical to protecting your assets and your business. The right partnerships, practices and tools can support your compliance efforts and help you avoid costly mistakes and litigation. Download our whitepaper to learn how you can build a strong compliance "house" related to oversight of third-party vendors.

MBSi President, Ray Peloso, was recently a guest on the ATI Auto Business live show, where he discussed the importance of our SaaS platform, our commitment to serving our customers, and what’s on the horizon in 2025.

To help agencies streamline workflows and mitigate the risks involved in post-repo activities, RCM’s On Lot now features the ability to take photos within RCM to provide proof of a collateral’s status before authorizing a release or transport.

Whether you’re the client or the service provider, invoicing has long been a pain point across the repossession industry. However, with Smart Invoicing, clients can automatically approve fees and invoices that meet the contracted rate.

After logging his first full calendar year at MBSi, President Ray Peloso looks back with appreciation for so many generosities and learning experiences.

At Used Car Week 2024, MBSi President Ray Peloso had the opportunity to moderate a panel discussion that included four experts from the recovery industry. In a packed room, we talked about the importance of alignment among lenders and their service providers and how practical solutions are driving value across the industry.

Three members of the MBSi leadership team joined Cherokee Media Group for a discussion on using technology to drive innovation and efficiency across the repossession industry. You can listen to a full replay here.

In the complex tapestry of the automotive industry, auto repossession stands as a pivotal thread, weaving through the history of car ownership and finance. The history of auto repossession is a fascinating narrative of economic shifts, legal developments, and societal changes. Join us on a quick journey through the evolution of auto repossession and its enduring impact on the automotive landscape.

The modern auto finance industry stands as a testament to the intricate dance between consumer desire and financial evolution. From the beginning to the current status as a cornerstone of the global economy, the history of auto finance is an interesting tale of adaptation, regulation, and evolution. Join us as we embark on a journey through time to explore the pivotal moments and key players that have shaped the landscape of auto financing as we know it today.

When deciding on a software solution for your business, first and foremost, it is important to determine what you need the software to solve, and then decide if buying a pre-built solution is right for your business or if the build route is the way to go.