# EDGAR Filing Document

**Accession Number:** 0001477336
**File Stem:** 0001954336-23-000024
**Filing Date:** 2023-3
**Character Count:** 64291
**Document Hash:** 6127725bc2b35498ac8622274f81687e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001954336-23-000024.hdr.sgml**: 20230324

**ACCESSION NUMBER**: 0001954336-23-000024

**CONFORMED SUBMISSION TYPE**: 10-K

**PUBLIC DOCUMENT COUNT**: 7

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230324

**DATE AS OF CHANGE**: 20230324

**ABS ASSET CLASS**: Auto loans

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ALLY AUTO RECEIVABLES TRUST 2022-3
- **CENTRAL INDEX KEY:** 0001954336
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-262894-03
- **FILM NUMBER:** 23759320

**BUSINESS ADDRESS:**
- **STREET 1:** 1209 ORANGE STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 313-656-5500

**MAIL ADDRESS:**
- **STREET 1:** 200 RENAISSANCE CENTER
- **CITY:** DETROIT
- **STATE:** MI
- **ZIP:** 48265
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Ally Auto Assets LLC
- **CENTRAL INDEX KEY:** 0001477336
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **IRS NUMBER:** 270789648
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-163392
- **FILM NUMBER:** 23759321

**BUSINESS ADDRESS:**
- **STREET 1:** 1209 ORANGE STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 313-656-5500

**MAIL ADDRESS:**
- **STREET 1:** 200 RENAISSANCE CENTER
- **CITY:** DETROIT
- **STATE:** MI
- **ZIP:** 48265

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 10-K**

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| | |
|:---|:---|
| 🗹 | &nbsp;&nbsp;**ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934** |

---

**For the fiscal year ended December 31, 2022**

OR

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| | |
|:---|:---|
| ◻ | &nbsp;&nbsp;**TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934** |

---

**For the transition period from ___________ to ____________.**

**Ally Auto Receivables Trust 2022-3**

(Exact name of issuing entity as specified in its charter)

**Commission file number of issuing entity: 333-262894-03**

**Central Index Key Number of issuing entity: 0001954336**

**Ally Auto Assets LLC**

(Exact name of depositor as specified in its charter)

**Commission file number of depositor: 333-262894**

**Central Index Key Number of depositor: 0001477336**

**Ally Bank**

(Exact name of sponsor as specified in its charter)

**Central Index Key Number of sponsor (if applicable): 0001601846**

---

| | |
|:---|:---|
| **DELAWARE** | **92-6175005** |
| (State or other jurisdiction of | (I.R.S. Employer |
| incorporation or organization) | Identification No.) |

---

**Ally Auto Assets LLC**

**500 Woodward Avenue**

**Detroit, Michigan** 

**48226**

(Address of principal executive offices)

(Zip Code)

**(866) 710-4623**

(Registrant's telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act: None

Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ◻ No 🗹

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of Acts. Yes ◻ No 🗹

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. 🗹 Yes ◻ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

🗹 Yes ◻ No

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Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "non-accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

---

| | |
|:---|:---|
| &nbsp;&nbsp;◻ Large accelerated filer | &nbsp;&nbsp;◻ Accelerated filer |
| | &nbsp;&nbsp;◻ Smaller reporting company |
| &nbsp;&nbsp;🗹 Non-accelerated filer | &nbsp;&nbsp;◻ Emerging growth company |

---

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ◻

Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ◻

If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ◻

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant's executive officers during the relevant recovery period pursuant to §240.10D-1(b). ◻

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). ◻ Yes 🗹 No

State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter. None

Registrant does not have any voting or non-voting common equity held by non-affiliates.

Documents incorporated by reference. None

------

**INDEX**

**Ally Auto Receivables Trust 2022-3**

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| | |
|:---|:---|
| **<u>Part I</u>** | |
| **Item 1.** | **Business\*** |
| **Item 1A.** | **Risk Factors\*** |
| **Item 1B.** | **Unresolved Staff Comments** |
| **Item 2.** | **Properties\*** |
| **Item 3.** | **Legal Proceedings\*** |
| **Item 4.** | **Mine Safety Disclosures** |
| **<u>Part II</u>** | |
| **Item 5.** | **Market For Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities\*** |
| **Item 6.** | **[Reserved]\*** |
| **Item 7.** | **Management's Discussion and Analysis of Financial Condition and Results of Operations\*** |
| **Item 7A.** | **Quantitative and Qualitative Disclosures About Market Risk\*** |
| **Item 8.** | **Financial Statements and Supplementary Data\*** |
| **Item 9.** | **Changes in and Disagreements with Accountants on Accounting and Financial Disclosure\*** |
| **Item 9A.** | **Controls and Procedures\*** |
| **Item 9B.** | **Other Information** |
| **Item 9C.** | **Disclosure Regarding Foreign Jurisdictions that Prevent Inspections** |
| **<u>Part III</u>** | |
| **Item 10.** | **Directors, Executive Officers and Corporate Governance\*** |
| **Item 11.** | **Executive Compensation\*** |
| **Item 12.** | **Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\*** |
| **Item 13.** | **Certain Relationships and Related Transactions and Director Independence\*** |
| **Item 14.** | **Principal Accounting Fees and Services\*** |
| **<u>Part IV</u>** | |
| **Item 15.** | **Exhibit and Financial Statement Schedules** |
| **Item 16.** | **Form 10-K Summary** |

---

**\* Item is omitted in accordance with General Instruction J to Form 10-K.**

------

**Part I**

**Item 1B. Unresolved Staff Comments.**

None.

**Item 4. Mine Safety Disclosures.**

Not applicable.

**Substitute information provided in accordance with General Instruction J to Form 10-K:**

**Item 1112(b) of Regulation AB. Significant Obligors of Pool Assets (Financial Information).**

There are no significant obligors with respect to the pool assets held by Ally Auto Receivables Trust 2022-3 (the "Issuing Entity").

**Item 1114(b)(2) of Regulation AB. Credit Enhancement and Other Support, Except for Certain Derivatives Instruments (Financial Information).**

No entity or group of affiliated entities provides any external credit enhancement or other support with respect to either payment of the pool assets held by the Issuing Entity or payments on the notes (the "Notes") or certificates (the "Certificates") issued by the Issuing Entity.

**Item 1115(b) of Regulation AB. Certain Derivatives Instruments (Financial Information).**

No entity or group of affiliated entities provides any derivative instruments that are used to alter the payment characteristics of the cashflows from the Issuing Entity.

**Item 1117 of Regulation AB. Legal Proceedings.**

There are no current legal proceedings pending, or to the best knowledge of management of such entity, threatened, against the Issuing Entity, the sponsor, the servicer or the depositor that, if determined adversely to such party, would be expected to have a material adverse effect on the performance of the notes.

The owner trustee has represented to the Issuing Entity that it is not a party to any current legal proceedings, nor is its management aware of any legal proceedings threatened against it that, if determined adversely to such party, would be expected to have a material adverse effect on the performance of the notes.

The indenture trustee has provided the following information for inclusion in this report on Form 10-K:

U.S. Bank National Association ("U.S. Bank") and other large financial institutions have been sued in their capacity as trustee or successor trustee for certain residential mortgage backed securities ("RMBS") trusts. The complaints, primarily filed by investors or investor groups against U.S. Bank and similar institutions, allege the trustees caused losses to investors as a result of alleged failures by the sponsors, mortgage loan sellers and servicers to comply with the governing agreements for these RMBS trusts. Plaintiffs generally assert causes of action based upon the trustees' purported failures to enforce repurchase obligations of mortgage loan sellers for alleged breaches of representations and warranties, notify securityholders of purported events of default allegedly caused by breaches of servicing standards by mortgage loan servicers and abide by a heightened standard of care following alleged events of default.

U.S. Bank denies liability and believes that it has performed its obligations under the RMBS trusts in good faith, that its actions were not the cause of losses to investors, that it has meritorious defenses, and it has contested and intends to continue contesting the plaintiffs' claims vigorously. However, U.S. Bank cannot assure you as to the outcome of any of the litigation, or the possible impact of these litigations on the trustee or the RMBS trusts.

On March 9, 2018, a law firm purporting to represent fifteen Delaware statutory trusts (the "DSTs") that issued securities backed by student loans (the "Student Loans") filed a lawsuit in the Delaware Court of Chancery against U.S. Bank National Association ("U.S. Bank") in its capacities as indenture trustee and successor special servicer, and three other institutions in their respective transaction capacities, with respect to the DSTs and the Student Loans. This lawsuit is captioned *The National Collegiate Student Loan Master Trust I, et al. v. U.S. Bank National Association, et al.,* C.A. No. 2018-0167-JRS (Del. Ch.) (the "NCMSLT Action"). The complaint, as amended on June 15, 2018, alleged that the DSTs have been harmed as a result of purported misconduct or omissions by the defendants concerning administration of the trusts and special servicing of the Student Loans. Since the filing of the NCMSLT Action, certain Student Loan borrowers have made assertions against U.S. Bank concerning special servicing that appear to be based on certain allegations made on behalf of the DSTs in the NCMSLT Action.

------

U.S. Bank has filed a motion seeking dismissal of the operative complaint in its entirety with prejudice pursuant to Chancery Court Rules 12(b)(1) and 12(b)(6) or, in the alternative, a stay of the case while other prior filed disputes involving the DSTs and the Student Loans are litigated. On November 7, 2018, the Court ruled that the case should be stayed in its entirety pending resolution of the first-filed cases. On January 21, 2020, the Court entered an order consolidating for pretrial purposes the NCMSLT Action and three other lawsuits pending in the Delaware Court of Chancery concerning the DSTs and the Student Loans, which remains pending.

U.S. Bank denies liability in the NCMSLT Action and believes it has performed its obligations as indenture trustee and special servicer in good faith and in compliance in all material respects with the terms of the agreements governing the DSTs and that it has meritorious defenses. It has contested and intends to continue contesting the plaintiffs' claims vigorously.

**Part II**

**Item 9B. Other Information.**

None.

**Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections.**

Not applicable.

**Part III**

**Substitute information provided in accordance with General Instruction J to Form 10-K:**

**Item 1119 of Regulation AB. Affiliations and Certain Relationships and Related Transactions.**

Information required by Item 1119 of Regulation AB has been omitted from this report on Form 10-K in reliance on the Instruction to Item 1119. The information has been provided previously in a Prospectus, dated December 6, 2022, filed by the Issuing Entity, pursuant to Rule 424(b)(5) of the Securities Act of 1933 on December 8, 2022.

**Item 1122 of Regulation AB. Compliance with Applicable Servicing Criteria.**

Each of Ally Bank and U.S. Bank Trust Company, National Association (each, a "Servicing Participant") has been identified by the registrant as a party participating in the servicing function with respect to the pool assets held by the Issuing Entity during the reporting period. Each of the Servicing Participants has completed a report on an assessment of compliance with the servicing criteria applicable to such Servicing Participant (each, a "Report on Assessment") during the Issuing Entity's year ended December 31, 2022, which Reports on Assessment are attached as exhibits to this Form 10-K. In addition, each of the Servicing Participants has provided an attestation report (each, an "Attestation Report") by a registered independent public accounting firm regarding its related Report on Assessment. Each Attestation Report is attached as an exhibit to this Form 10-K.

None of the Reports on Assessment or the related Attestation Reports has identified any material instances of noncompliance with the servicing criteria described in the related Report on Assessment as being applicable to each such Servicing Participant.

**Item 1123 of Regulation AB. Servicer Compliance Statement.**

Ally Bank has been identified as the servicer during the reporting period with respect to the pool assets held by the Issuing Entity. Ally Bank has provided a statement of compliance with the applicable servicing activities (the "Compliance Statement"), signed by an authorized officer, and such Compliance Statement is attached as an exhibit to this Form 10-K.

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**Part IV**

**Item 15. Exhibit and Financial Statement Schedules.**

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| | | | |
|:---|:---|:---|:---|
| (a) | List the following documents filed as a part of the report: | List the following documents filed as a part of the report: | List the following documents filed as a part of the report: |
|  | (1) | Financial Statements — Not Applicable. | Financial Statements — Not Applicable. |
|  | (2) | Financial Statement Schedules — Not Applicable. | Financial Statement Schedules — Not Applicable. |
|  | (3) | Exhibits | Exhibits |
|  |  | **•** | <u>[Second Amended and Restated Limited Liability Company Agreement of Ally Auto Assets LLC, dated as of November 7, 2018.](https://www.sec.gov/Archives/edgar/data/1477336/000119312522048413/d299888dex31.htm)</u> |
|  |  | **•** | <u>[Indenture between Ally Auto Receivables Trust 2022-3 and U.S. Bank Trust Company, National Association, as Indenture Trustee, dated as of December 14, 2022.](https://www.sec.gov/Archives/edgar/data/1954336/000119312522304891/d419602dex41.htm)</u> |
|  |  | **•** | <u>[Trust Agreement between Ally Auto Assets LLC, as Depositor and BNY Mellon Trust of Delaware, as Owner Trustee and Paying Agent, dated as of December 14, 2022.](https://www.sec.gov/Archives/edgar/data/1954336/000119312522304891/d419602dex42.htm)</u> |
|  |  | **•** | <u>[Pooling Agreement between Ally Bank, as Seller, and Ally Auto Assets LLC, dated as of December 14, 2022.](https://www.sec.gov/Archives/edgar/data/1954336/000119312522304891/d419602dex43.htm)</u> |
|  |  | **•** | <u>[Rule 13a-14(d)/15d-14(d) Certification (Section 302 Certification).](aart2022-3exhibit3112022.htm)</u> |
|  |  | **•** | <u>[Report on Assessment of Compliance with SEC Regulation AB Servicing Criteria concerning activities of Ally Bank for the year ended December 31, 202](aart2022-3exhibit3312022.htm)[2](aart2022-3exhibit3312022.htm)[.](aart2022-3exhibit3312022.htm)</u> |
|  |  | **•** | <u>[Report on Assessment of Compliance with SEC Regulation AB Servicing Criteria concerning activities of](aart2022-3exhibit3322022.htm)[U.S](aart2022-3exhibit3322022.htm)[.](aart2022-3exhibit3322022.htm)[Bank Trust Company](aart2022-3exhibit3322022.htm)[,](aart2022-3exhibit3322022.htm)[National Association](aart2022-3exhibit3322022.htm)[for the year ended December 31, 202](aart2022-3exhibit3322022.htm)[2](aart2022-3exhibit3322022.htm)[.](aart2022-3exhibit3322022.htm)</u> |
|  |  | **•** | <u>[Registered Public Accounting Firm Attestation Report on Assessment of Compliance with applicable Servicing Criteria of Ally Bank dated March 1](aart2022-3exhibit3412022.htm)[0](aart2022-3exhibit3412022.htm)[, 202](aart2022-3exhibit3412022.htm)[3](aart2022-3exhibit3412022.htm)[for the year ended December 31, 202](aart2022-3exhibit3412022.htm)[2](aart2022-3exhibit3412022.htm)[.](aart2022-3exhibit3412022.htm)</u> |
|  |  | **•** | <u>[Registered Public Accounting Firm Attestation Report on Assessment of Compliance with applicable Servicing Criteria of](aart2022-3exhibit3422022.htm)[U.S. Bank Trust Company](aart2022-3exhibit3422022.htm)[,](aart2022-3exhibit3422022.htm)[National Association](aart2022-3exhibit3422022.htm)[dated February 2](aart2022-3exhibit3422022.htm)[7](aart2022-3exhibit3422022.htm)[, 202](aart2022-3exhibit3422022.htm)[3](aart2022-3exhibit3422022.htm)[for the year ended December 31, 202](aart2022-3exhibit3422022.htm)[2](aart2022-3exhibit3422022.htm)[.](aart2022-3exhibit3422022.htm)</u> |
|  |  | **•** | <u>[Servicer Compliance Statement of Ally Bank for the year ended December 31, 202](aart2022-3exhibit3512022.htm)[2](aart2022-3exhibit3512022.htm)[.](aart2022-3exhibit3512022.htm)</u> |
|  |  | **•** | <u>[Trust Sale Agreement between Ally Auto Assets LLC, as Depositor, and Ally Auto Receivables Trust 2022-3, as Issuing Entity, dated as of December 14, 2022.](https://www.sec.gov/Archives/edgar/data/1954336/000119312522304891/d419602dex991.htm)</u> |
|  |  | **•** | <u>[Custodian Agreement between Ally Bank, as Custodian, and Ally Auto Assets LLC, as Depositor, dated as of December 14, 2022.](https://www.sec.gov/Archives/edgar/data/1954336/000119312522304891/d419602dex992.htm)</u> |
|  |  | **•** | <u>[Administration Agreement among Ally Auto Receivables Trust 2022-3, as Issuing Entity, Ally Bank, as Administrator, and U.S. Bank Trust Company, National Association, as Indenture Trustee, dated as of December 14, 2022.](https://www.sec.gov/Archives/edgar/data/1954336/000119312522304891/d419602dex993.htm)</u> |
|  |  | **•** | <u>[Servicing Agreement among Ally Bank, as Servicer, Ally Auto Assets LLC, as Depositor, and Ally Auto Receivables Trust 2022-3, as Issuing Entity, dated as of December 14, 2022.](https://www.sec.gov/Archives/edgar/data/1954336/000119312522304891/d419602dex994.htm)</u> |
|  |  | **•** | <u>[Asset Representations Review Agreement among Ally Auto Receivables Trust 2022-3, as Issuing Entity, Ally Bank, as Sponsor, and Clayton Fixed Income Services LLC, as Asset Representations Reviewer, dated as of December 14, 2022.](https://www.sec.gov/Archives/edgar/data/1954336/000119312522304891/d419602dex995.htm)</u> |
|  |  |  | <u>[Securities Account Control Agreement among Ally Auto Receivables Trust 2022-3, as Issuing Entity, U.S. Bank Trust Company, National Association, as Indenture Trustee, and U.S. Bank National Association, as Securities Intermediary, dated as of December 14, 2022.](https://www.sec.gov/Archives/edgar/data/1954336/000119312522304891/d419602dex996.htm)</u> |

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**Item 16. Form 10-K Summary.**

None.

------

**Signature**

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

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| |
|:---|
| **Ally Auto Assets LLC, as Depositor** |
| /s/ Elliot Kahan |
| Elliot Kahan |
| President |
| (Senior Officer in charge of securitization of the depositor) |

---

Date: <u>March 24, 2023</u>

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**Index of Exhibits**

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| | | |
|:---|:---|:---|
| **Exhibit** | **Description** | **Method of Filing** |
| 3.1 | Second Amended and Restated Limited Liability Company Agreement of Ally Auto Assets LLC, dated as of November 7, 2018. | \*\* |
| 4.1 | Indenture between Ally Auto Receivables Trust 2022-3 and U.S. Bank Trust Company, National Association, as Indenture Trustee, dated as of December 14, 2022. | \* |
| 4.2 | Trust Agreement between Ally Auto Assets LLC, as Depositor and BNY Mellon Trust of Delaware, as Owner Trustee and Paying Agent, dated as of December 14, 2022. | \* |
| 4.3 | Pooling Agreement between Ally Bank, as Seller, and Ally Auto Assets LLC, dated as of December 14, 2022. | \* |
| 31.1 | Certification of Executive Officer Pursuant to Rule 13a-14(d)/15d-14(d). | Filed herewith. |
| 33.1 | Report on Assessment of Compliance with SEC Regulation AB Servicing Criteria concerning activities of Ally Bank for the year ended December 31, 2022. | Filed herewith. |
| 33.2 | Report on Assessment of Compliance with SEC Regulation AB Servicing Criteria concerning activities of U.S. Bank Trust Company, National Association for the year ended December 31, 2022. | Filed herewith. |
| 34.1 | Registered Public Accounting Firm Attestation Report on Assessment of Compliance with applicable Servicing Criteria of Ally Bank dated March 10, 2023 for the year ended December 31, 2022. | Filed herewith. |
| 34.2 | Registered Public Accounting Firm Attestation Report on Assessment of Compliance with applicable Servicing Criteria of U.S. Bank Trust Company, National Association, dated February 27, 2023 for the year ended December 31, 2022. | Filed herewith. |
| 35.1 | Servicer Compliance Statement of Ally Bank for the year ended December 31, 2022. | Filed herewith. |
| 99.1 | Trust Sale Agreement between Ally Auto Assets LLC, as Depositor, and Ally Auto Receivables Trust 2022-3, as Issuing Entity, dated as of December 14, 2022. | \* |
| 99.2 | Custodian Agreement between Ally Bank, as Custodian, and Ally Auto Assets LLC, as Depositor, dated as of December 14, 2022. | \* |
| 99.3 | Administration Agreement among Ally Auto Receivables Trust 2022-3, as Issuing Entity, Ally Bank, as Administrator, and U.S. Bank Trust Company, National Association, as Indenture Trustee, dated as of December 14, 2022. | \* |
| 99.4 | Servicing Agreement among Ally Bank, as Servicer, Ally Auto Assets LLC, as Depositor, and Ally Auto Receivables Trust 2022-3, as Issuing Entity, dated as of December 14, 2022. | \* |
| 99.5 | Asset Representations Review Agreement among Ally Auto Receivables Trust 2022-3, as Issuing Entity, Ally Bank, as Sponsor, and Clayton Fixed Income Services LLC, as Asset Representations Reviewer, dated as of December 14, 2022. | \* |
| 99.6 | Securities Account Control Agreement among Ally Auto Receivables Trust 2022-3, as Issuing Entity, U.S. Bank Trust Company, National Association, as Indenture Trustee, and U.S. Bank National Association, as Securities Intermediary, dated as of December 14, 2022. | \* |

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**\*** Incorporated by reference to the corresponding Exhibit to the Issuing Entity's Current Report on Form 8-K filed on December 14, 2022 (File No. 333-262894-03).

\*\* Incorporated by reference to Exhibit 3.1 of Ally Auto Assets LLC's Form SF-3 Registration Statement filed on February 22, 2022 (File No. 333-262894).

## Exhibit 31.1

 **Exhibit 31.1**

**Certifications**

I, Elliot Kahan, certify that:

1 I have reviewed this report on Form 10-K and all reports on Form 10-D required to be filed in respect of the period covered by this report on Form 10-K of Ally Auto Receivables Trust 2022-3 (the "Exchange Act periodic reports");

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| | |
|:---|:---|
| 2 | Based on my knowledge, the Exchange Act periodic reports, taken as a whole, do not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; |

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3 Based on my knowledge, all of the distribution, servicing and other information required to be provided under Form 10-D for the period covered by this report is included in the Exchange Act periodic reports;

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| | |
|:---|:---|
| 4 | Based on my knowledge and the servicer compliance statement required in this report under Item 1123 of Regulation AB, and except as disclosed in the Exchange Act periodic reports, the servicer has fulfilled its obligations under the servicing agreement in all material respects; and |

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| | |
|:---|:---|
| 5 | All of the reports on assessment of compliance with servicing criteria for asset-backed securities and their related attestation reports on assessment of compliance with servicing criteria for asset-backed securities required to be included in this report in accordance with Item 1122 of Regulation AB and Exchange Act Rules 13a-18 and 15d-18 have been included as an exhibit to this report, except as otherwise disclosed in this report. Any material instances of noncompliance described in such reports have been disclosed in this report on Form 10-K. |

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In giving the certifications above, I have reasonably relied on the information provided to me by the following unaffiliated party: U.S. Bank Trust Company, National Association and BNY Mellon Trust of Delaware.

Date: March 24, 2023

---

| |
|:---|
| /s/ Elliot Kahan |
| Elliot Kahan |
| President, Ally Auto Assets LLC, as Depositor |
| (Senior Officer in charge of securitization of the depositor) |

---

## Exhibit 33.1

**Exhibit 33.1**

**Certification Regarding Compliance with SEC Regulation AB Servicing Criteria**

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| | |
|:---|:---|
| 1 | Ally Financial Inc. ("AFI"), including its wholly owned subsidiary Ally Bank (Ally Bank and AFI are collectively referred to herein as "Ally") is responsible for assessing compliance with the servicing criteria applicable to it under paragraph (d) of Item 1122 of Regulation AB, as of and for the year ended December 31, 2022 (the "Reporting Period"), as set forth in Appendix A hereto. The transactions covered by this report include retail transactions (including asset-backed securities transactions) for which Ally acts as servicer, involving the Consumer Automotive Retail Receivables Platform (the "Consumer Platform"). The Consumer Platform consists of the activities involved in the performance of servicing functions for all publicly and privately issued retail transactions (including asset-backed transactions); |

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| | |
|:---|:---|
| 2 | Ally has engaged certain vendors (the "Vendors") to perform specific, limited or scripted activities, and Ally elects to take responsibility for assessing compliance with the servicing criteria or portion of the servicing criteria applicable to such Vendors' activities as set forth in Appendix A hereto; |

---

3 Except as set forth in paragraph 4 below, Ally used the criteria set forth in paragraph (d) of Item 1122 of Regulation AB to assess the compliance with the applicable servicing criteria; <br>

4 The criteria listed in the column titled "Inapplicable Servicing Criteria" in Appendix A hereto are inapplicable to Ally based on the activities it performs, directly or through its Vendors, with respect to the Consumer Platform;<br>

5 Ally has complied, in all material respects, with the applicable servicing criteria as of December 31, 2022 and for the Reporting Period with respect to the Consumer Platform taken as a whole;

6 Ally has not identified and is not aware of any material instance of noncompliance by the Vendors with the applicable servicing criteria as of December 31, 2022 and for the Reporting Period with respect to the Consumer Platform taken as a whole;

7 Ally has not identified any material deficiency in its policies and procedures to monitor the compliance by the Vendors with the applicable servicing criteria as of December 31, 2022 and for the Reporting Period with respect to the Consumer Platform taken as a whole; and

8 Deloitte & Touche LLP, an independent registered public accounting firm, has issued an attestation report on Ally's assessment of compliance with the applicable servicing criteria for the Reporting Period.<br>

March 10, 2023

---

| | |
|:---|:---|
| By: | /s/ David J. DeBrunner |
|  | David J. DeBrunner |
|  | Vice President, Controller and Chief Accounting Officer - Ally Financial Inc. and Ally Bank |
| By: | /s/ Matthew Y. L. Loucks |
|  | Matthew Y. L. Loucks |
|  | Assistant Treasurer, Senior Director - Ally Financial Inc. and Ally Bank |

---

------

APPENDIX A

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Servicing Criteria** | **Servicing Criteria** | **Applicable Servicing Criteria** | **INAPPLICABLE Servicing Criteria** | | | | |
| **Servicing Criteria** | **Servicing Criteria** | **Applicable Servicing Criteria** | **INAPPLICABLE Servicing Criteria** | **Reference** | **Criteria** | **Performed Directly by Ally** | **Performed by Vendor(s) for which Ally is the Responsible Party** |
| **Servicing Criteria** | **Servicing Criteria** | **Applicable Servicing Criteria** | **INAPPLICABLE Servicing Criteria** | **General Servicing Considerations** | **General Servicing Considerations** | | |
| 1122(d)(1)(i) | Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. | **XX** |  |  |  |  |  |
| 1122(d)(1)(ii) | If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with such servicing activities. | **XX** |  |  |  |  |  |
| 1122(d)(1)(iii) | Any requirements in the transaction agreements to maintain a back-up servicer for the pool assets are maintained. |  | **XX** |  |  |  |  |
| 1122(d)(1)(iv) | A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements. |  | **XX** |  |  |  |  |
| 1122(d)(1)(v) | Aggregation of information, as applicable, is mathematically accurate and the information conveyed accurately reflects the information. | **XX** |  |  |  |  |  |
| **Cash Collection and Administration** | **Cash Collection and Administration** |  |  |  |  |  |  |
| 1122(d)(2)(i) | Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements. | **XX** |  |  |  |  |  |
| 1122(d)(2)(ii) | Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel. |  | **XX** |  |  |  |  |
| 1122(d)(2)(iii) | Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements. |  | **XX** |  |  |  |  |
| 1122(d)(2)(iv) | The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the transaction agreements. | **XX** |  |  |  |  |  |
| 1122(d)(2)(v) | Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, "federally insured depository institution" with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 240.13k-1(b)(1) of the Securities Exchange Act. | **XX** |  |  |  |  |  |
| 1122(d)(2)(vi) | Unissued checks are safeguarded so as to prevent unauthorized access. |  | **XX** |  |  |  |  |
| 1122(d)(2)(vii) | Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. | **XX** |  |  |  |  |  |
| **Investor Remittances and Reporting** | **Investor Remittances and Reporting** |  |  |  |  |  |  |
| 1122(d)(3)(i) | Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of pool assets serviced by the Servicer. | **XX** |  |  |  |  |  |
| 1122(d)(3)(ii) | Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements. | **XX** |  |  |  |  |  |
| 1122(d)(3)(iii) | Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such other number of days specified in the transaction agreements. | **XX** |  |  |  |  |  |
| 1122(d)(3)(iv) | Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements. | **XX** |  |  |  |  |  |
| **Pool Asset Administration** | **Pool Asset Administration** |  |  |  |  |  |  |
| 1122(d)(4)(i) | Collateral or security on pool assets is maintained as required by the transaction agreements or related pool assets documents. | **XX** |  |  |  |  |  |
| 1122(d)(4)(ii) | Pool assets and related documents are safeguarded as required by the transaction agreements | **XX** |  |  |  |  |  |
| 1122(d)(4)(iii) | Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements. | **XX** |  |  |  |  |  |

---

------

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| | | | |
|:---|:---|:---|:---|
| 1122(d)(4)(iv) | Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related [pool asset] documents. | **XX** |  |
| 1122(d)(4)(v) | The Servicer's records regarding the pool assets agree with the Servicer's records with respect to an obligor's unpaid principal balance. | **XX** |  |
| 1122(d)(4)(vi) | Changes with respect to the terms or status of an obligor's pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents. | **XX** |  |
| 1122(d)(4)(vii) | Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements. | **XX** |  |
| 1122(d)(4)(viii) | Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). | **XX** |  |
| 1122(d)(4)(ix) | Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents. |  | **XX** |
| 1122(d)(4)(x) | Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related pool assets, or such other number of days specified in the transaction agreements. |  | **XX** |
| 1122(d)(4)(xi) | Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the Servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements. |  | **XX** |
| 1122(d)(4)(xii) | Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment was due to the obligor's error or omission. |  | **XX** |
| 1122(d)(4)(xiii) | Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the Servicer, or such other number of days specified in the transaction agreements. |  | **XX** |
| 1122(d)(4)(xiv) | Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements. | **XX** |  |
| 1122(d)(4)(xv) | Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements. |  | **XX** |

---

## Exhibit 33.2

**Exhibit 33.2**

**Management's Assertion**

**Report on Assessment of Compliance with Applicable Servicing Criteria** 

Management of U.S. Bank National Association and U.S. Bank Trust Company, National Association (collectively "U.S. Bank") is responsible for assessing compliance as of and for the year ended December 31, 2022 with the servicing criteria set forth in Item 1122 (d) of Regulation AB applicable to it as set forth on Exhibit A hereto. This report covers asset backed securities transactions within the U.S. Bank Corporate Trust Asset-Backed Securities Platform<sup>1</sup> (the "Platform")

U.S. Bank hereby provides the following report on its assessment of compliance with the servicing criteria set forth in Item 1122 of Regulation AB applicable to it and as described on Exhibit A hereto:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.U.S. Bank is responsible for assessing its compliance with the servicing criteria applicable to it as noted on the accompanying Exhibit A;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.Except as set forth in paragraph 3 below, U.S. Bank used the criteria set forth in paragraph (d) of Item 1122 of Regulation AB to assess its compliance with the applicable servicing criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.The criteria listed in the column titled "Inapplicable Servicing Criteria" on Exhibit A hereto are inapplicable to U.S. Bank based on the servicing activities it performs directly with respect to the Platform;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.U.S. Bank has complied, in all material respects, with the applicable servicing criteria as of and for the year ended December 31, 2022; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.Ernst & Young, LLP, a registered public accounting firm, has issued an attestation report on U.S. Bank's assessment of compliance with the applicable servicing criteria as of and for the year ended December 31, 2022.

U.S. BANK NATIONAL ASSOCIATION

<u>/s/ John Stern</u> 

Name: John Stern

Title: Executive Vice President

U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION

<u>/s/ John Stern</u> 

Name: John Stern

Title: Executive Vice President

Dated: February 27, 2023

<sup>1</sup> The U.S. Bank Corporate Trust Asset-Backed Securities Platform (the "Platform") consists of the activities involved in the performance of servicing functions for which the Company provides trustee, securities administration, registrar and paying agent services for (i) publicly issued asset-backed and mortgage-backed transactions the securities of which were offered on or after January 1, 2006 and (ii) certain asset-backed transactions for which the Issuer has voluntarily elected to make Regulation AB compliant filings under the Securities Exchange Act of 1934, as amended.

------

EXHIBIT A to Management's Assertion

---

| | | | |
|:---|:---|:---|:---|
| **Reference** | **Servicing Criteria** | **Applicable Servicing Criteria** | **Inapplicable Servicing Criteria** |
| **<u>General Servicing Considerations</u>** | **<u>General Servicing Considerations</u>** | **<u>General Servicing Considerations</u>** | **<u>General Servicing Considerations</u>** |
| 1122(d)(1)(i) | Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. | **X** |  |
| 1122(d)(1)(ii) | If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with such servicing activities. | **X**<sup>2</sup> |  |
| 1122(d)(1)(iii) | Any requirements in the transaction agreements to maintain a back-up servicer for the Pool Assets are maintained. |  | **X** |
| 1122(d)(1)(iv) | A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements. | **X** |  |
| 1122(d)(1)(v) | Aggregation of information, as applicable, is mathematically accurate and the information conveyed accurately reflects the information. | **X**<sup>3</sup> |  |
| **<u>Cash Collection and Administration</u>** | **<u>Cash Collection and Administration</u>** | **<u>Cash Collection and Administration</u>** | **<u>Cash Collection and Administration</u>** |
| 1122(d)(2)(i) | Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements. | **X** |  |
| 1122(d)(2)(ii) | Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel. | **X** |  |
| 1122(d)(2)(iii) | Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements. | **X**<sup>4</sup> |  |
| 1122(d)(2)(iv) | The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the transaction agreements. | **X** |  |
| 1122(d)(2)(v) | Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, "federally insured depository institution" with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act. | **X** |  |
| 1122(d)(2)(vi) | Unissued checks are safeguarded so as to prevent unauthorized access. | **X** |  |
| 1122(d)(2)(vii) | Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. | **X** |  |
| **<u>Investor Remittances and Reporting</u>** | **<u>Investor Remittances and Reporting</u>** | **<u>Investor Remittances and Reporting</u>** | **<u>Investor Remittances and Reporting</u>** |
| 1122(d)(3)(i) | Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of Pool Assets serviced by the Servicer. | **X** |  |
| 1122(d)(3)(ii) | Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements. | **X** |  |
| 1122(d)(3)(iii) | Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such other number of days specified in the transaction agreements. | **X** |  |

---

<u>_______________________________________________________</u>

<sup>2</sup> No servicing activities were performed by the Company that required the servicing criteria to be complied with.

<sup>3</sup> No servicing activities were performed by the Company that required the servicing criteria to be complied with.

<sup>4</sup> No servicing activities were performed by the Company that required the servicing criteria to be complied with.

------

---

| | | | |
|:---|:---|:---|:---|
| **Reference** | **Servicing Criteria** | **Applicable Servicing Criteria** | **Inapplicable Servicing Criteria** |
| 1122(d)(3)(iv) | Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements. | **X** |  |
| **<u>Pool Asset Administration</u>** | **<u>Pool Asset Administration</u>** | **<u>Pool Asset Administration</u>** | **<u>Pool Asset Administration</u>** |
| 1122(d)(4)(i) | Collateral or security on pool assets is maintained as required by the transaction agreements or related pool asset documents. |  | **X** |
| 1122(d)(4)(ii) | Pool assets and related documents are safeguarded as required by the transaction agreements. |  | **X** |
| 1122(d)(4)(iii) | Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements. | **X** |  |
| 1122(d)(4)(iv) | Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related pool asset documents. |  | **X** |
| 1122(d)(4)(v) | The Servicer's records regarding the pool assets agree with the Servicer's records with respect to an obligor's unpaid principal balance. |  | **X** |
| 1122(d)(4)(vi) | Changes with respect to the terms or status of an obligor's pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents. |  | **X** |
| 1122(d)(4)(vii) | Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements. |  | **X** |
| 1122(d)(4)(viii) | Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). |  | **X** |
| 1122(d)(4)(ix) | Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents. |  | **X** |
| 1122(d)(4)(x) | Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related pool assets, or such other number of days specified in the transaction agreements. |  | **X** |
| 1122(d)(4)(xi) | Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements. |  | **X** |
| 1122(d)(4)(xii) | Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment was due to the obligor's error or omission. |  | **X** |
| 1122(d)(4)(xiii) | Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the transaction agreements. |  | **X** |
| 1122(d)(4)(xiv) | Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements. |  | **X** |
| 1122(d)(4)(xv) | Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements. | **X** |  |

---

## Exhibit 34.1

 **Exhibit 34.1**

**REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM**

Board of Directors

Ally Financial Inc.

We have examined management's assertion, included in the accompanying Certification Regarding Compliance with SEC Regulation AB Servicing Criteria, that Ally Financial Inc. ("AFI"), including its wholly owned subsidiary Ally Bank (Ally Bank and AFI are collectively referred to herein as the "Company") complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB for the Consumer Automotive Retail Receivables Platform (the "Consumer Platform"), excluding criteria 1122(d)(1)(iii), 1122(d)(1)(iv), 1122(d)(2)(ii), 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) (the "servicing criteria"), as of and for the year ended December 31, 2022, which management has determined are not applicable to the activities performed by the Company with respect to the Consumer Platform. The Consumer Platform consists of the activities involved in the performance of servicing functions for all publicly and privately issued retail transactions (including asset-backed transactions). Management is responsible for the Company's compliance with the servicing criteria and its assertion. Our responsibility is to express an opinion on management's assertion about the Company's compliance with the servicing criteria based on our examination.

Our examination was conducted in accordance 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 plan and 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 Consumer Platform, determining whether the Company performed those selected activities in compliance with the 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 covered by this report and, accordingly, such samples may not have included servicing activities related to each transaction included in the Consumer Platform. Further, an examination is not designed to detect noncompliance arising from errors that may have 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 is sufficient and appropriate to provide a reasonable basis for our opinion.

As described in management's assertion, for servicing criteria 1122(d)(4)(i), 1122(d)(4)(ii), 1122(d)(4)(iv), 1122(d)(4)(vi), 1122(d)(4)(vii), and 1122(d)(4)(viii), the Company has engaged vendors to perform certain activities required by these servicing criteria. The Company has determined that the 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 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"). As permitted 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 to these 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 the Company's determination of its eligibility to apply C&DI 200.06.

Our examination does not provide a legal determination on the Company's compliance with the servicing criteria.

In our opinion, management's assertion that the Company complied with the aforementioned servicing criteria as of and for the year ended December 31, 2022, for the Consumer Platform, is fairly stated, in all material respects.

<u>/s/ Deloitte & Touche LLP</u>

Deloitte & Touche LLP

Detroit, Michigan

March 10, 2023

## Exhibit 34.2

**Exhibit 34.2**

**Report of Independent Registered Public Accounting Firm** 

The Board of Directors

U.S. Bank National Association

We have examined management's assertion, included in the accompanying Report on Assessment of Compliance with Applicable Servicing Criteria, that U.S. Bank National Association and U.S. Bank Trust Company, National Association (collectively, the "Company") complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB for the U.S. Bank Corporate Trust Asset-Backed Securities Platform (the "Platform"), for which the Company provides trustee, securities administration, registrar and paying agent services, as of and for the year ended December 31, 2022, except for servicing criteria Items 1122(d)(1)(iii), 1122(d)(4)(i)-(ii), and 1122(d)(4)(iv)-(xiv), which the Company has determined are not applicable to the activities it performs with respect to the servicing platform covered by this report. Management is responsible for the Company's compliance with those servicing criteria. Our responsibility is to express an opinion on management's assertion about the Company's compliance with the servicing criteria based on our examination.

Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants and the Public Company Accounting Oversight Board (United States) and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the applicable servicing criteria and performing such other procedures as we considered necessary in the circumstances. Our examination included testing of less than all of the individual asset-backed transactions and securities that comprise the Platform, testing of less than all of the servicing activities related to the Platform, and determining whether the Company processed those selected transactions and performed those selected activities in compliance with the servicing criteria. Furthermore, our procedures were limited to the selected transactions and servicing activities performed by the Company during the period covered by this report. Our procedures were not designed to determine whether errors may have occurred either prior to or subsequent to our tests that may have affected the balances or amounts calculated or reported by the Company during the period covered by this report for the selected transactions or any other transactions. Although the Company is responsible for assessing compliance with Items 1122(d)(1)(ii), 1122(d)(1)(v), and 1122(d)(2)(iii) of Regulation AB, there were no servicing activities performed by the Company during the year ended December 31, 2022 that required these servicing criteria to be complied with. We believe that the evidence we obtained is sufficient and appropriate to provide a reasonable basis for our opinion.

We are required to be independent of the Company and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements related to our examination engagement.

Our examination does not provide a legal determination on the Company's compliance with the servicing criteria.

In our opinion, management's assertion that the Company complied with the aforementioned servicing criteria as of and for the year ended December 31, 2022, for the U.S. Bank Corporate Trust Asset-Backed Securities Platform is fairly stated, in all material respects.

<u>/s/ Ernst & Young LLP</u>

Ernst & Young LLP

Minneapolis, Minnesota

February 27, 2023

## Exhibit 35.1

 **Exhibit 35.1**

**ALLY BANK**

200 West Civic Center Drive

Sandy, Utah 84070

As of December 31, 2022

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| | |
|:---|:---|
| U.S. Bank National Association | BNY Mellon Trust of Delaware |
| As Indenture Trustee | As Owner Trustee |
| Attn: Matthew M. Smith <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  | Attn: Corporate Trust Office |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Edward Przybycien | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Kristine Gullo |
| 190 South LaSalle Street, 7th Floor | 301 Bellevue Parkway, 3<sup>rd</sup> Floor |
| Chicago, IL 60603 | Wilmington, DE 19809 |

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Copy To:

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| | |
|:---|:---|
| BNY Mellon Trust Company, National Association | Ally Auto Assets LLC |
| Attn: Structured Finance Services | Ally Bank |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Shylock Baloyi | Attn: Elliot Kahan |
| 2 North LaSalle Street, Suite 700 | 601 S. Tryon Street |
| Chicago, IL 60602 | Charlotte, North Carolina 28202 |

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Re: Ally Auto Receivables Trust 2022-3 <br> <u>Annual Statement as to Compliance</u>

Ladies and Gentlemen:

Reference is made to Section 4.01 of the Servicing Agreement (the "Servicing Agreement") dated as of December 14, 2022 between Ally Bank, Ally Auto Assets LLC, and Ally Auto Receivables Trust 2022-3.

The undersigned does hereby certify that:

a. A review of the activities of the Servicer during the period of December 14, 2022 through December 31, 2022, and of its performance under the Servicing Agreement has been made under his supervision, and <br>

b. To the best of his knowledge, based on such review, the Servicer has fulfilled all of its obligations under the Servicing Agreement throughout such period.

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| |
|:---|
| Very truly yours, |
| /s/ David J. DeBrunner |
| David J. DeBrunner |
| Vice President, Controller & Chief Accounting Officer |

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