Owner and operator of a consumer finance company that acquires installment sales finance contracts from automobile dealers. The company, through its operating subsidiaries, purchases individual installment sales finance contracts from automotive dealers and retail vendors, extends short-term installment loans directly to consumers, and sells credit insurance and other related products. It purchases retail installment sales finance contracts from automobile dealers through its Centralized Purchasing Offices (CPOs), which serve as the centralized underwriters of credit. It provides aggregate coverage for incurred losses in excess of targeted loss ratios through a reinsurance agreement with the primary carrier. The company also purchases insurance coverage and charges its customers who let their insurance coverage lapse on automobiles that are collateral on the outstanding retail sales contracts.