1.4.2.2 Financing, Add-Ons, and Insurance

Highlight Updates

1.4.2.2 Financing, Add-Ons, and Insurance

• Add-ons.
◦ Etching. See Unfair and Deceptive Acts and Practices § 7.2.7.3;⁴⁰ Consumer Credit Regulation § 11.5.4.2.⁴¹
◦ Credit insurance. See Unfair and Deceptive Acts and Practices § 7.2.5;⁴² Consumer Credit Regulation § 11.5.4.3.⁴³
◦ Service contracts. See Unfair and Deceptive Acts and Practices § 7.2.4;⁴⁴ Consumer Credit Regulation § 11.5.3;⁴⁵ Consumer Warranty Law Ch. 20.⁴⁶
◦ GAP insurance. See Consumer Credit Regulation § 11.5.4.4.⁴⁷
◦ Rustproofing. See Unfair and Deceptive Acts and Practices § 7.2.7.4.⁴⁸
◦ Packing. See Unfair and Deceptive Acts and Practices § 7.2;⁴⁹ Consumer Credit Regulation §§ 11.5.1, 11.5.2.⁵⁰
• Document fees. See Unfair and Deceptive Acts and Practices § 7.2.6;⁵¹ Consumer Credit Regulation § 11.4.4.⁵²
• Creditor insurance coverage.
◦ Vendor single interest. See Consumer Credit Regulation § 11.5.4.5.⁵³
◦ Force-placed. See Consumer Credit Regulation § 11.5.4.6.⁵⁴
• Creditor payments to dealers. See Unfair and Deceptive Acts and Practices § 7.2.3.⁵⁵
• Dealer alterations of credit applications. See Unfair and Deceptive Acts and Practices § 7.2.3.5.⁵⁶
• Motor vehicle installment sales limitations. See Consumer Credit Regulation § 11.4, Appx. C.⁵⁷
• Truth in Lending disclosures. See Truth in Lending.⁵⁸
• Hiding negative equity. See Truth in Lending §§ 5.3.2.2, 13.3.6.2.3;⁵⁹ Consumer Credit Regulation § 11.4.6.⁶⁰

Footnotes

40 National Consumer Law Center, Unfair and Deceptive Acts and Practices § 7.2.7.3 (9th ed. 2016), updated at www.nclc.org/library.
41 National Consumer Law Center, Consumer Credit Regulation § 11.5.4.2 (2d ed. 2015), updated at www.nclc.org/library.
42 National Consumer Law Center, Unfair and Deceptive Acts and Practices § 7.2.5 (9th ed. 2016), updated at www.nclc.org/library.
43 National Consumer Law Center, Consumer Credit Regulation § 11.5.4.3 (2d ed. 2015), updated at www.nclc.org/library.
44 National Consumer Law Center, Unfair and Deceptive Acts and Practices § 7.2.4 (9th ed. 2016), updated at www.nclc.org/library.
45 National Consumer Law Center, Consumer Credit Regulation § 11.5.3 (2d ed. 2015), updated at www.nclc.org/library.
46 National Consumer Law Center, Consumer Warranty Law Ch. 20 (5th ed. 2015), updated at www.nclc.org/library.
47 National Consumer Law Center, Consumer Credit Regulation § 11.5.4.4 (2d ed. 2015), updated at www.nclc.org/library.
48 National Consumer Law Center, Unfair and Deceptive Acts and Practices § 7.2.7.4 (9th ed. 2016), updated at www.nclc.org/library.
49 National Consumer Law Center, Unfair and Deceptive Acts and Practices § 7.2 (9th ed. 2016), updated at www.nclc.org/library.
50 National Consumer Law Center, Consumer Credit Regulation §§ 11.5.1, 11.5.2 (2d ed. 2015), updated at www.nclc.org/library.
51 National Consumer Law Center, Unfair and Deceptive Acts and Practices § 7.2.6 (9th ed. 2016), updated at www.nclc.org/library.
52 National Consumer Law Center, Consumer Credit Regulation § 11.4.4 (2d ed. 2015), updated at www.nclc.org/library.
53 National Consumer Law Center, Consumer Credit Regulation § 11.5.4.5 (2d ed. 2015), updated at www.nclc.org/library.
54 National Consumer Law Center, Consumer Credit Regulation § 11.5.4.6 (2d ed. 2015), updated at www.nclc.org/library.
55 National Consumer Law Center, Unfair and Deceptive Acts and Practices § 7.2.3 (9th ed. 2016), updated at www.nclc.org/library.
56 National Consumer Law Center, Unfair and Deceptive Acts and Practices § 7.2.3.5 (9th ed. 2016), updated at www.nclc.org/library.
57 National Consumer Law Center, Consumer Credit Regulation § 11.4, Appx. C (2d ed. 2015), updated at www.nclc.org/library.
58 National Consumer Law Center, Truth in Lending (9th ed. 2015), updated at www.nclc.org/library.
59 National Consumer Law Center, Truth in Lending §§ 5.3.2.2, 13.3.6.2.3 (9th ed. 2015), updated at www.nclc.org/library.
60 National Consumer Law Center, Consumer Credit Regulation § 11.4.6 (2d ed. 2015), updated at www.nclc.org/library.