Brian Terr, who heads JD Power's Inventory Data Sales unit, joins Consumer Credit Matters to unpack how dealer inventory data intersects with auto finance, floorplan lending, and collateral accuracy.

In this episode, we explore why tracking what is actually on a vehicle matters so much, how “power booking” can distort LTV assumptions, and how lenders can use near-real-time inventory data to better understand risk.

Key topics in this episode:

• Brian Terr’s path from Edmunds to Inventory Command Center to JD Power

• Why inventory tracking matters from OEM to floorplan to retail financing

• How collateral errors can affect loan to value assumptions

• What “power booking” means in practice

• How lenders use near-real-time inventory data to monitor in-stock versus sold vehicles

• Why proprietary build data and Monroney label information can improve accuracy

Chapters:

00:00 Brian Terr (JD Power): inventory data, floorplan risk, and auto finance

04:09 Why inventory tracking matters (OEM → floorplan → retail financing)

06:32 “Power booking” explained: when LTV collateral value is wrong

09:55 How lenders use near-real-time dealer inventory data (in-stock vs sold)

16:13 AI limits, proprietary vehicle build data (Monroney), and the CDK outage story

About the show:

Consumer Credit Matters explores the trends, risks, and structural issues shaping consumer lending and specialty finance.

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