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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…
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Safer Cars at the Point of Sale Act
Unsafe cars, whether caused by prior wreck or flood damage, or other causes, are a danger to drivers, passengers, and other road users. Serious flood damage to vehicles is a regular and growing occurrence. In 2017, Hurricanes Irma and Harvey flooded almost one million cars in a two week period. And estimates are that about…
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Time to Stop Racing Cars: The Role of Race and Ethnicity in Buying and Using a Car
For many in America, a car provides not only physical mobility but also economic mobility. Yet for years, studies have shown that the costs of buying, financing, and using a car can vary based on race or ethnicity.
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Transparent and Consistent Pricing of Motor Vehicle Add-Ons Act
Pricing for add-on products sold by car dealers, such as service contracts, GAP (Guaranteed Asset Protection), and window etching, is not transparent o consistent. Consumers, and even most regulators, lack information about what car buyers are charged for these products and what a reasonable price might be. Dealers decide what to charge each consumer and…
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U.S. Senate Votes to Roll Back Consumer Bureau Effort to Thwart Auto Lending Discrimination
FOR IMMEDIATE RELEASE: APRIL 18, 2018 Boston – The U.S. Senate today voted to repeal guidance issued in 2013 by the Consumer Financial Protection Bureau to help auto finance companies avoid racial and ethnic discrimination by holding them accountable to fair lending laws. “It’s outrageous that the Senate voted to claw back this five-year old…
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Group Comments to the FTC Opposing its Used Car Rule
These comments were submitted in response to the Federal Trade Commission’s Notice of Proposed Rulemaking published on December 17, 2012, regarding the agency’s Used Car Rule. The existing rule, which was promulgated in 1985, was fundamentally flawed from its inception, and is now also antiquated. Parts of it — particularly the language interpreting what ”…
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