The public enforcement record for Westlake Financial Services: the 2015 CFPB debt collection consent order and the 2022 Justice Department servicemember lending settlement, the statutes involved, and how the same laws protect buyers in Florida, Vermont, D.C., Michigan, and Texas.
The public enforcement record for Santander Consumer USA: the 2020 multistate attorney general settlement over subprime underwriting and the 2020 CFPB credit reporting consent order, the statutes involved, and how the same laws protect buyers in Florida, Vermont, D.C., Michigan, and Texas.
The public enforcement record for Exeter Finance LLC: the 2019 Massachusetts and Delaware settlements over subprime loan underwriting and debt collection, the statutes involved, and how the same laws protect buyers in Florida, Vermont, D.C., Michigan, and Texas.
The public enforcement record for Credit Acceptance Corporation: the 2023 CFPB/New York lawsuit and 2026 multistate settlement, the 2020–2021 Massachusetts case, the statutes involved, and how the same laws protect buyers in Florida, Vermont, D.C., Michigan, and Texas.
A spot delivery lets the dealer unwind a sale if no lender buys the contract within a set window. When the dealer uses that clause to push a worse deal, that’s a yo-yo. Here is what Florida law requires and what to do.