Santander Consumer USA Holdings Inc..
SC.US | Other credit granting
Santander Consumer USA Holdings Inc. is a full-service, technology-driven consumer finance company focused on vehicle finance and unsecured consumer lending. The company originates, services, and purchases retail installment loans primarily for new and used vehicles. It also offers financial product...Show More
Better Health for All
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Santander Consumer USA's financial education programs supported over 40,000 people in 2024
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, and the company financially included over 536,000 new people since 2023
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. Its Cultivate Small Business program reached 73% low- to moderate-income participants
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, demonstrating strong reach to vulnerable populations. The company's core financial products and services have no significant direct positive or negative health impact, nor do they carry health risks or addiction potential. The company does not produce health products, conduct clinical trials, or manage health-related data. Its operations are not directly relevant to healthcare workforce development, preventative health measures, or health education. While the company provides grants for various community needs, including some related to health equity, mental health, and COVID-19 response, the articles do not provide the necessary percentage of revenue or health-related expenditure to quantitatively assess these initiatives against the rubric's thresholds.
Fair Money & Economic Opportunity
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Santander Consumer USA faced a multi-state settlement of approximately $550 million in relief for consumers, including $65 million in restitution and $433 million in debt cancellation, for alleged violations of consumer protection laws and exposing subprime consumers to high-risk auto loans between 2010 and 2019.
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A separate $25.9 million settlement was reached in 2017 for predatory lending practices.
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A company with strong executive ties to Santander Consumer USA and similar alleged practices approved borrowers with debt-to-income ratios up to 70%, significantly higher than industry benchmarks of 35%, by loosening lending criteria.
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Santander US's small business lending amounted to $577 million in 2023, which represents approximately 0.35% of its $165 billion in assets.
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Fair Pay & Worker Respect
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Santander Consumer USA (SC.US) reported 0.00% of its workforce was covered by collective bargaining agreements in the US in 2023.
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The company achieved an equal pay gap of approximately 0% in 2023 for women and men performing similar roles
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, with this remaining at approximately 0 in 2024.
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The employee engagement score for Santander US was 8.0 out of 10 in 2023.
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Fair Trade & Ethical Sourcing
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No specific, concrete evidence was found in the provided articles to score any of the KPIs for Fair Trade & Ethical Sourcing. Information regarding fair-trade certification, audit frequency, forced/child labor incidents, traceability, remediation speed, ethical clause coverage, materials risk index, or current supplier diversity spend was not present. While the company announced plans to double direct spending on supplier diversity, this is a forward-looking statement and not evidence of current performance.
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Honest & Fair Business
-20
Santander Consumer USA Holdings Inc. incurred $13,810,000 in regulatory fines for its entities between July 2022 and July 2025.
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The company also implemented whistleblower program enhancements, which include advising employees of their right to report to regulatory agencies, providing protection for external reporting, and ensuring an annual review of the policy by the Chief Legal Officer.
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Kind to Animals
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Santander Consumer USA Holdings Inc. (SC.US) is a financial services company. The provided articles do not contain specific, concrete data points for SC.US regarding any of the 'Kind to Animals' KPIs. , the Santander US 2023 Prosperity with Purpose Report, explicitly states that it does not contain data relevant to SC.US or Kind to Animals initiatives, including metrics for cruelty-free certifications, alternative testing, humane certifications, wildlife conservation, ethical sourcing, supplier audits, cage-free sourcing, animal testing policies, or animal-free R&D.
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Other articles refer to the parent company, Santander Bank, and its financing activities, but not SC.US directly. Therefore, all KPIs are omitted due to a lack of direct evidence for SC.US.
No War, No Weapons
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No specific, quantitative data relevant to Santander Consumer USA Holdings Inc.'s (SC.US) association with arms manufacturing, military contracts, or conflict facilitation was found in the provided articles. While a policy for the defense sector is mentioned for Santander (the parent company), no details or metrics specific to SC.US were available for any of the assessed KPIs.
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Planet-Friendly Business
-10
Santander USA sources 59% of its electricity from renewable sources.
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Respect for Cultures & Communities
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The provided articles detail Santander US's general community commitments, including financial reinvestment, charitable giving, and employee volunteer hours
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. However, they do not contain specific, quantifiable data points directly addressing the KPIs for 'Respect for Cultures & Communities,' such as formal partnerships with indigenous groups, cultural appropriation incidents, cultural impact assessment protocols, local employment ratios, cultural preservation investments, indigenous supplier counts, or cultural site protection. Therefore, no KPIs can be scored based on the available evidence.
Safe & Smart Tech
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No specific, concrete data points relevant to the 'Safe & Smart Tech' ethical value for SC.US were found in the provided articles. All articles explicitly state they contain placeholder content and no relevant data for the requested metrics.
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Zero Waste & Sustainable Products
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No specific quantitative data or initiatives related to waste diversion rates, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back program coverage, circular design principles, waste reduction initiatives, hazardous waste management, product durability, repairability score, waste audit frequency, zero waste certification, waste disposal violations, material efficiency, packaging-to-product ratio, waste reduction targets, supplier waste requirements, or customer waste education for SC.US's operations or financial products were found in the provided articles. While some articles discuss global plastic consumption, recycling, and circular economy concepts, and one mentions Santander US's broader sustainability efforts including financing sustainable vehicles
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, none provide specific metrics for SC.US relevant to the 'Zero Waste & Sustainable Products' value.