{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0000889609","name":"CONSUMER PORTFOLIO SERVICES, INC.","summary":"Consumer Portfolio Services, Inc. (CPSS) is a specialty finance company that purchases and services retail automobile installment contracts originated by franchised and independent dealers across the United States. The company provides indirect sub-prime financing to customers with limited credit histories or past credit problems. From inception through December 31, 2025, CPSS has purchased approximately $24.7 billion in automobile contracts and manages a portfolio of approximately $3.9 billion, funding primarily through asset-backed securitizations.","people":[],"products":[{"name":"Retail Automobile Installment Contracts","type":"service","description":"Purchase and servicing of sub-prime retail auto installment contracts from franchised and independent dealers."},{"name":"Direct Lending Platform","type":"service","description":"Direct consumer auto loans originated via internet; terminated September 2023, existing loans still serviced."},{"name":"Auto Refinance Loans","type":"service","description":"Direct-to-consumer refinancing of existing auto loans from other lenders, launched December 2025."},{"name":"Asset-Backed Securitizations","type":"platform","description":"Pooling of automobile contracts sold to special purpose subsidiaries issuing asset-backed securities to institutional investors."},{"name":"Warehouse Credit Facilities","type":"service","description":"Short-term interim financing facilities for contract purchases prior to securitization; three facilities totaling $702.5 million as of December 31, 2025."}],"partnerships":[{"partner_name":"DealerTrack","partnership_type":"strategic","description":"Third-party application aggregator providing approximately 55% of credit applications received in 2025.","start_date":null},{"partner_name":"Route One","partnership_type":"strategic","description":"Third-party application aggregator providing approximately 45% of credit applications received in 2025.","start_date":null}],"affiliations":[],"origin":{"leaf":"5104fcdf94fb24a11c7dacaa2349b4be9f256a3e01c3f1ad6ee292da60fb2402","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"80a0881e1dd5e981a4f85f489357857ae7031e6aa63bf5ed3c6b1883499b4895","parent":"a239977d6c4092ecfc1d08c377ba8c0b28699cc2ce01c6f9a8df5222ec0764b8","source":"0001683168-26-001856","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). 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