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The Bulletin has no force or effect on May 21, 2018, the President signed a joint resolution passed by Congress disapproving the Bulletin titled “Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act” (Bulletin), which had provided guidance about the Equal Credit Opportunity Act (ECOA) and its implementing regulation, Regulation B. Consistent with the joint resolution. The ECOA and Regulation B are unchanged and remain in effect and force. See more details on complying with all the ECOA and Regulation B. The materials associated with the Bulletin regarding the Bureau’s internet site are for reference just.
WASHINGTON, D.C. – Today, the buyer Financial Protection Bureau (CFPB) circulated a bulletin describing that particular lenders that provide automobile financing through dealerships have the effect of unlawful, discriminatory prices. Possibly discriminatory markups in automobile lending may end in tens of millions of dollars in customer damage each year, as well as the bulletin provides guidance to indirect auto loan providers within the CFPB’s jurisdiction on how best to address lending risk that is fair.