I'm not sure who, in their right mind, would sign ...

I'm not sure who, in their right mind, would sign a Power of Attorney authorizing their lender to "transfer and assign the legal title to said motor vehicle to anyone whomsoever as may be designated by my said attorney" but it certainly isn't something I'll sign. A POA is NOT required to record a lienholder (at least not in my state). The more likely reason they want this is in the event of the loan recipient defaulting on the payments, then they have the power to sell and title the vehicle (or transfer title to themselves), which, again, I understand, and would sign a document that was limited TO THAT INSTANCE, but this document is NOT limited whatsoever. I understand what they "say" they are using it for, but that is inaccurate at best, and disturbingly deceptive, more likely. Again, a POA is NOT required - I have had other lenders refinance this same vehicle without it before in the same state I'm in now. They also want personal references - TOTALLY unnecessary when the customer has a FICO score of 782 and ZERO history of even one single late payment. Originally, I was told that "they just keep it on file," but the real reason they want these (as explained to me later when I questioned the reason for giving out my friends' and family's personal information - to me it looks like a marketing strategy, and I am not willing to subject my friends and family to that) is in the even that the customer defaults, they can use that information to track them down. They already have employer information on file, and we are in the digital age - it's not hard to find someone when you want to. In the end, I declined this company's offer due to these issues, but most specifically the POA that they require.