Bankruptcies appear to be mounting in the subprime auto lending business. This all comes as auto loan delinquencies are rising, and the price of new and used cars stays stubbornly high. Amid all this, the Trump administration is quietly exploring a rollback of federal supervision of subprime auto lenders. Then, could federal law override state law that prevents medical debt from affecting your credit score? Plus, OpenAI goes from non-profit to for-profit.

Correction (Oct. 29, 2025): The introduction for the story about Consumer Financial Protection Bureau oversight of auto loan lenders in this episode contained an error that has been corrected. The threshold for which companies the CFPB can investigate involves how many loans those companies originate.