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Race and the Financing of Car Loans [USA]
Dealer markup is a little-known practice widely used by dealers in which dealers add to the interest rate on a car loan a bank, credit union or finance company has agreed to buy from the dealer...Data from the Center for Responsible Lending show dealer markups will cost consumers who bought a car in 2009 $25.8 billion in extra interest...And the issues of discrimination due to this practice go back decades. Several large lenders settled cases in the mid-1990s, and data from the Ally Bank consent order from last year...shows that the discrimination continues...Discrimination has no place in our lending markets.