**
**Exhibit 34.1**

**REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM**

To the Board of Directors of Fifth Third Bank, National Association 

We have examined management of Fifth Third Bank, National Association’s assertion, included in the accompanying management’s Report on Assessment ofCompliance with SEC Regulation AB Servicing Criteria, that Fifth Third Bank, National Association (“Fifth Third” or the “Company”) complied with the servicing criteria set forth in Item 1122(d) of the Securities and ExchangeCommission’s Regulation AB for all asset-backed securities transactions, for which Fifth Third acted as servicer involving retail auto loans, that have been registered with the Securities and Exchange Commission pursuant to the Securities Actof 1933, where the related asset-backed securities were outstanding during the reporting period (the “Platform”), excluding criteria set forth in Sections 1122(d)(1)(iii), 1122(d)(1)(iv), 1122(d)(2)(ii), 1122(d)(2)(iii), 1122(d)(2)(iv),1122(d)(2)(v), 1122(d)(2)(vi), 1122(d)(3)(ii) solely with respect to remittances, 1122(d)(3)(iii), 1122(d)(3)(iv), 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) (the “servicingcriteria”) as of and for the year ended December 31, 2021, which management has determined are not applicable to the activities performed by the Company with respect to the Platform. Appendix B to management’s assertion identifies theindividual asset-backed transactions defined by management as constituting the Platform. Management is responsible for the Company’s compliance with the servicing criteria and its assertion. Our responsibility is to express an opinion onmanagement’s assertion about the Company’s compliance with the servicing criteria based on our examination. 

Our examination was conducted inaccordance with the standards of the Public Company Accounting Oversight Board (United States), and in accordance with attestation standards established by the American Institute of Certified Public Accountants. Those standards require that we planand perform the examination to obtain reasonable assurance about whether management’s assertion about compliance with the servicing criteria is fairly stated, in all material respects, and, accordingly, included examining, on a test basis,evidence about the Company’s compliance with the servicing criteria, including tests on a sample basis of the servicing activities related to the Platform, determining whether the Company performed those selected activities in compliance withthe servicing criteria during the specified period, and performing such other procedures as we considered necessary in the circumstances. Our procedures were limited to selected servicing activities performed by the Company during the period coveredby this report and, accordingly, such samples may not have included servicing activities related to each asset-backed transaction included in the Platform. Further, an examination is not designed to detect noncompliance arising from errors that mayhave occurred prior to the period specified above that may have affected the balances or amounts calculated or reported by the Company during the period covered by this report. We believe that the evidence we obtained in our examination issufficient and appropriate to provide a reasonable basis for our opinion. 
**

As described in management’s assertion, for servicing criteria 1122(d)(4)(ii), the Company has engagedvendors to perform certain activities required by this 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 takeresponsibility for assessing compliance with the servicing criteria applicable to these vendors as permitted by the SEC’s *Compliance and Disclosure Interpretation 200.06, Vendors Engaged by Servicers* (“C&DI 200.06”). Aspermitted by C&DI 200.06, the Company has asserted that it has policies and procedures in place designed to provide reasonable assurance that the vendors’ activities comply in all material respects with the servicing criteria applicable tothe vendors. The Company is solely responsible for determining that it meets the SEC requirements to apply C&DI 200.06 for the vendors and related criteria as described in its assertion, and we performed no procedures with respect to theCompany’s determination of its eligibility to apply C&DI 200.06. 

Our examination does not provide a legal determination on the Company’scompliance with the servicing criteria. 

In our opinion, management’s assertion that the Company complied with the aforementioned servicing criteriaas of and for the year ended December 31, 2021, for all asset-backed securities transactions, for which Fifth Third acted as servicer involving retail auto loans, that have been registered with the Securities and Exchange Commission pursuant tothe Securities Act of 1933, where the related asset-backed securities were outstanding during the reporting period, is fairly stated, in all material respects. 

/s/ Deloitte and Touche LLP 

Cincinnati, Ohio 

March 25, 2022