Exhibit 34.1

 

Report of Independent Registered PublicAccounting Firm

 

Board of Directors of AmeriCredit Financial Services,Inc.

AmeriCredit Financial Services, Inc.

 

We have examined management’s assertion,included in the accompanying Management’s Assertion Regarding Compliance with Applicable Servicing Criteria, that AmeriCredit FinancialServices, Inc. (the Company) complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission’sRegulation AB for the publicly issued consumer auto loan and lease asset-backed securities transactions for which the Company acted asservicer involving consumer auto loans and leases (the “Platform”) as of and for the year ended December 31, 2021, except for1122(d)(1)(iii), 1122(d)(1)(iv), 1122(d)(2)(iii), 1122(d)(2)(vi), 1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), 1122(d)(4)(xiii),and 1122(d)(4)(xv) which the Company has determined are not applicable to the activities performed by them with respect to the servicingplatform covered by this report. See Appendix B of management’s assertion for the asset backed transactions covered by this platform.Management is responsible for the Company’s compliance with those servicing criteria. Our responsibility is to express an opinionon management’s assertion about the Company’s compliance with the servicing criteria based on our examination.

 

Our examination was conducted in accordancewith attestation standards established by the American Institute of Certified Public Accountants and the Public Company Accounting OversightBoard (United States) and, accordingly, included examining, on a test basis, evidence about the Company’s compliance with the applicableservicing criteria and performing such other procedures as we considered necessary in the circumstances. Our examination included testingof less than all of the individual asset backed transactions and securities that comprise the platform, testing of less than all of theservicing activities related to the Platform and determining whether the Company processed those selected transactions and performed thoseselected activities in compliance with the servicing criteria and as permitted by Regulation AB Compliance and Disclosure Interpretationsof the Division of Corporation Finance, Section 200.06, “Vendors Engaged by Servicers” (C&DI 200.06). Furthermore, ourprocedures were limited to the selected transactions and servicing activities performed by the Company during the period covered by thisreport. Our procedures were not designed to determine whether errors may have occurred either prior to or subsequent to our tests thatmay have affected the balances or amounts calculated or reported by the Company during the period covered by this report for the selectedtransactions or any other transactions. We believe that the evidence we obtained is sufficient and appropriate to provide a reasonablebasis for our opinion.

 

Our examination does not provide a legal determinationon the Company’s compliance with the servicing criteria.** **

 

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As described in management’s assertion,for servicing criteria 1122(d)(2)(i), 1122(d)(4)(i), 1122(d)(4)(ii) and 1122(d)(4)(iv), the Company has engaged various vendors to performthe activities required by these servicing criteria. The Company has determined that these vendors are not considered a “servicer”as defined in Item 1101(j) of Regulation AB, and the Company has elected to take responsibility for assessing compliance with the applicableservicing criteria applicable to each vendor as permitted by C&DI 200.06. As permitted by C&DI 200.06, the Company has assertedthat it has policies and procedures in place designed to provide reasonable assurance that the vendors’ activities comply in allmaterial respects with servicing criteria applicable to each vendor. The Company is solely responsible for determining that it meets theSEC requirements to apply C&DI 200.06 for the vendors and related criteria as described in its assertion, and we performed no procedureswith respect to the Company’s eligibility to apply C&DI 200.06.

 

In our opinion, management’s assertionthat the Company complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission’s RegulationAB, including servicing criteria 1122(d)(2)(i), 1122(d)(4)(i), 1122(d)(4)(ii) and 1122(d)(4)(iv) for which compliance is determined basedon C&DI 200.06 as described above, as of and for the year ended December 31, 2021 for the Platform, is fairly stated, in all materialrespects.

 

/s/ Ernst & Young LLP

 

March 4, 2022

 

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