From changes in consumer buying habits to the resignation of the industry’s top regulator, 2017 was a year of changes in the auto finance space. The industry had what is shaping up to be another record-breaking year as total loan balances rose above $1.1 trillion in the third quarter, compared with $1 trillion during the same period the year prior, according to Experian’s latest report. However, that’s masking some underlying movement happening below the surface. Here are six events that altered auto finance in 2017: 1. Used-Vehicle Depreciation Perhaps the most persistent trend throughout 2017 has been the threat.