Auto Add-ons Add Up: Charts & Graphics
Supplementary materials for the Auto Add-Ons Add Up report.
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Auto Add-Ons Add Up: How Dealer Discretion Drives Excessive, Arbitrary, and Discriminatory Pricing
Add-on products sold by car dealers, such as service contracts, Guaranteed Asset Protection (GAP) insurance, and window etching, make up a large share of dealers’ profits. They also significantly increase car buyers’ costs. While many have questioned the value of these products for consumers, the pricing of these products has received less attention, largely because…
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Repo Madness: How Automobile Repossessions Endanger Owners, Agents, & the Public
Every day thousands of cars are taken from owners without court review or the involvement of law enforcement. Most of those takings are done by unlicensed individuals, including some convicted criminals.
Read More about Repo Madness: How Automobile Repossessions Endanger Owners, Agents, & the Public
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Comments to the FTC Addressing Auto Sale Add-ons, Price and Financing Disclosures, Yo-Yo sales, and More
Access to a safe, affordable vehicle is increasingly limited for many consumers by sharply rising prices, burdensome accompanying debt obligations, and problematic dealer practices.
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Testimony During “Examining Discrimination in the Automobile Loan and Insurance Industries”
Written Testimony of John W. Van Alst Attorney, National Consumer Law Center and Director of NCLC’s Working Cars for Working Families Project Before the Committee on Financial Services Subcommittee on Oversight and Investigations U.S. House of Representatives “Examining Discrimination in the Automobile Loan and Insurance Industries.”
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Principles for Laws Permitting Electronic Repossession of Vehicles
Recently some states have begun to consider legislation enabling the use of electronic repossession–from devices to track or immobilize financed and leased cars to payment “warning” sounds to harass owners. These principles, applicable to state or federal policymakers addressing aspects of electronic repossession, provide the robust protections necessary for consumers and also address public safety and privacy concerns.
Read More about Principles for Laws Permitting Electronic Repossession of Vehicles
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Making Repossessions Safer and Fairer: Model Consumer Amendments to Uniform Commercial Code Article 9
Existing law governing repossession of motor vehicles and other personal property leaves consumers vulnerable to the whims of creditors and largely in the dark as to the nature of the process. Secured creditors can, without any court or other government supervision, decide when to repossess the consumer’s property, seize it without notice, and sell it…
