Does anyone know if there's a quick and simple way to prove that your vehicle contract was in fact securitized? I've spent hours combing through Ford SEC filings and searching xml files out there. It's an impossible task to go through all of those.
4 replies
Jack · January 1, 2026
No. The only way is for them to prove that it wasn't.
AaronD · January 2, 2026
I prove by SEC documents they must abide by their own declerations. They must Securitize by law. The Titled Securitized "SPV" exist and its Fuduciary for the Trust must be sued. Most are titled in Deleware so print off Sec of State docs and Deleware Comptroller if needed.Either they comply or commit securities fraud by omissions.
Jacqueline · January 19, 2026
If you look at the very bottom of The Retail Installment Contract it will say the contract is a security or this is a security. Therefore, it probably has been securitized. We do live in a paper world, and paper moves energy forward.
Pro_sayer · January 19, 2026
This was tough to find but it seems like whatever year the loan was originated would be key in finding the correct trust that it is in. Ex. Ford Credit Auto Owner Trust + year of signing. Looks like they actually have separate trust identified by year. Ford Credit Auto Receivables Two LLC is the depositor. Ford Motor Credit Company LLC is the sponsor aka Servicer. Looks like exhibit 10.3, 10.2, 10.1, and 4.1 would have all the juicy stuff. here is a link to the 2020-B. https://www.sec.gov/Archives/edgar/data/1813722/000181372224000014/axpublicretail2020xb2023.htm
Looks like each year also has an A, B, C, I can't look into to much as I am fighting three cases of my own. But if I had to guess Exhibit 10.3 of the corresponding year of your agreement is probably what you might be looking for the bunker buster equivalent of admissions.
This is NOT legal advice. This is a research methodology for locating public SEC filings. I am not an attorney, and this post does not constitute legal advice. Any findings should be reviewed by a qualified attorney before filing anything in court. Use at your own risk.
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