1.   Auto finance companies actually seek to make riskier loans to boost profits, experts say.

2.   So they have increasingly shifted to riskier loans.

3.   Taylor said loan losses may increase by moving to riskier loans, yet the bank has provisioned for such losses and believes profits will increase.

4.   The fear, they say, is that the company will issue riskier loans if it has too small an interest in them after they are sold.