UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 1996 Commission File Numbers 333-09343 333-1548 CONSUMER PORTFOLIO SERVICES, INC. (Exact name of registrant as specified in its charter) CALIFORNIA 33 045 9135 (State of Incorporation) (I.R.S. Employer ID No.) 2 Ada Irvine, California 92618 (Address of principal executive offices, zip code) (714) 753-6800 (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 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 [X] No [_] Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulsation S-K is not contained herein, and will not be contained, to the best of the registrant's knowledge, in definitive proxy or information statements incorporated by reference in Parts I, II, III, and IV of this Form 10-K or any amendment to this Form 10-K. [X] DOCUMENTS INCORPORATED BY REFERENCE Specifically identified portions of Form 10-K for the 1996 fiscal year filed by the registrant under Commission File no. 1-14116 are incorporated by reference into Parts I, II, III, and IV of this report. PART I ITEM 3. LEGAL PROCEEDINGS Incorporated by reference to the 1996 Form 10-K filed by the registrant under Commission File no. 1- 14116. ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS Not applicable. PART II ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS Incorporated by reference to the 1996 Form 10-K filed by the registrant under Commission File no. 1- 14116. ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE Not applicable. PART III ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT Incorporated by reference to the 1996 Form 10-K filed by the registrant under Commission File no. 1- 14116. ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS Incorporated by reference to the 1996 Form 10-K filed by the registrant under Commission File no. 1- 14116. PART IV ITEM 14. EXHIBITS, FINANCIAL SCHEDULES, AND REPORTS ON FORM 8-K Incorporated by reference to the 1996 Form 10-K filed by the registrant under Commission File no. 1- 14116. The following exhibits are filed as part of this report : Exhibit 24 Power of Attorney Exhibit 99.2 Annual Holders' Tax Statement with respect to FASCO Auto Trust 1996-1, CPS Auto Grantor Trust 1996-2 and CPS Auto Grantor Trust 1996-3. Exhibit 99.3 Annual Independent Accountants' Servicing Report with respect to FASCO Auto Trust 1996-1, CPS Auto Grantor Trust 1996-2 and CPS Auto Grantor Trust 1996-3. 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. CONSUMER PORTFOLIO SERVICES, INC., as sponsor and manager of the Trust (Registrant) By:/s/ Jeffrey P. Fritz Name: Jeffrey P. Fritz Title: Senior Vice President Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated. Signatures Title * - ----------------------------- Charles E. Bradley, Sr. Director /s/ Charles E. Bradley, Jr. Charles E. Bradley, Jr. President and Director * - ----------------------------- William B. Roberts Director * - ----------------------------- John G. Poole Director * - ----------------------------- Thomas L. Chrystie Director * - ----------------------------- Robert A. Simms Director /s/ Jeffrey P. Fritz Jeffrey P. Fritz Chief Financial Officer and Secretary *By:/s/ Jeffrey P. Fritz Jeffrey P. Fritz as attorney-in-fact