Auto lending

Consumers increasingly fell behind on their payments in several loan categories in the third quarter as economic growth cooled.

Consumer credit is better than ever before, even as Americans households have started levering up. But the big question for banks looking to re-commit to consumer lending is how.

Some lost their jobs while others made major missteps or faced serious challenges to their business plans. Here are the folks who had a rough 2015 and are looking forward to better times in 2016.

California Republic Bancorp in Irvine has securitized $380 million of its prime auto loans.

Ally Financial, seeking new sources of customers, will finance used cars sold through Beepi, an 18- month-old website that lets people buy vehicles with a few clicks and no test drive.

Bank officials say they are ready for rising rates; disagree on how much the initial increase would help or hurt lending and the economy; and predict more rate increases next year.

The Irvine, Calif.-based company plans to offer subprime borrowers the ability to get an auto loan online or through a smartphone.

Santander Consumer USA Holdings in Dallas has named Ismail "Izzy" Dawood as chief financial officer.

Huntington Bancshares in Columbus, Ohio, has brought on industry veteran Tom Wirth to fill the newly created position of auto finance product and strategy director.

Banks are losing auto finance market share to captive lenders and finance companies, according to a new report from the credit bureau Experian.