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<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width,initial-scale=1"/><meta name="robots" content="max-image-preview:large"/><title>Is CFPB’s Focus on Junk Fees Justified?</title><meta name="description" content="The CFPB’s ongoing campaign against what it terms “junk fees” doesn’t reflect consumer experience in the auto lending space, based on what consumers are actually complaining about."/><meta property="og:title" content="Is CFPB’s Focus on Junk Fees Justified?"/><meta property="og:description" content="The CFPB’s ongoing campaign against what it terms “junk fees” doesn’t reflect consumer experience in the auto lending space, based on what consumers are actually complaining about."/><meta property="og:url" content="https://www.wardsauto.com/finance-insurance/industry-voices-is-cfpb-s-focus-on-junk-fees-justified-"/><meta property="og:type" content="article"/><meta property="og:image" content="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/blt9ae4db1be88f23ec/6712c4a20e9ac7084eea6ed2/cfpb_Auto_graphic.png?disable=upscale&width=1200&height=630&fit=crop"/><meta property="oc:keywords" content="Finance & Insurance, Dealers, Regulatory"/><link rel="canonical" href="https://www.wardsauto.com/finance-insurance/industry-voices-is-cfpb-s-focus-on-junk-fees-justified-"/><script type="application/ld+json">{"@context":"https://schema.org","@type":"Article","datePublished":"2024-10-28T10:45:00.000Z","dateModified":"2024-10-28T10:45:03.810Z","headline":"Industry Voices | Is CFPB’s Focus on Junk Fees Justified?","mainEntityOfPage":"https://www.wardsauto.com/finance-insurance/industry-voices-is-cfpb-s-focus-on-junk-fees-justified-","image":{"@type":"ImageObject","url":"https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/blt9ae4db1be88f23ec/6712c4a20e9ac7084eea6ed2/cfpb_Auto_graphic.png","caption":"Regulators’ scrutiny of lenders’ “junk fees” may be overemphasized.","creditText":""},"author":[{"@type":"Person","name":"Tom Oscherwitz","image":"https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/bltc3f5cec97eda73e2/6712b7111d9d03015b6cc0f2/Tom_Oscherwitz.jpeg","url":"https://www.wardsauto.com/author/tom-oscherwitz"}]}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://www.wardsauto.com"},{"@type":"ListItem","position":2,"name":"Finance & Insurance","item":"https://www.wardsauto.com/dealers/finance-insurance"}]}</script><link rel="preload" href="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/blt9ae4db1be88f23ec/6712c4a20e9ac7084eea6ed2/cfpb_Auto_graphic.png?width=1280&auto=webp&quality=10&format=jpg&disable=upscale&blur=40" as="image"/><meta property="twitter:card" content="summary"/><script type="text/javascript">window.NREUM||(NREUM={});NREUM.init={distributed_tracing:{enabled:true},privacy:{cookies_enabled:true},ajax:{deny_list:["bam.eu01.nr-data.net"]}}; ;NREUM.loader_config={accountID:"3936348",trustKey:"3288925",agentID:"538600226",licenseKey:"NRJS-26ae6a3b09493bbcc87",applicationID:"538600226"}; ;NREUM.info={beacon:"bam.eu01.nr-data.net",errorBeacon:"bam.eu01.nr-data.net",licenseKey:"NRJS-26ae6a3b09493bbcc87",applicationID:"538600226",sa:1}; ;/*! 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data-src="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/blt0561d98f510b6100/6745f95cabddb868de2ee179/Volkswagen-ID.2all_Concept-2023-1280-aa5b4b093e6b003d9ed372c0702797225a.jpg?width=700&auto=webp&quality=80&disable=upscale" src="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/blt0561d98f510b6100/6745f95cabddb868de2ee179/Volkswagen-ID.2all_Concept-2023-1280-aa5b4b093e6b003d9ed372c0702797225a.jpg?width=700&auto=webp&quality=80&disable=upscale" loading="lazy" alt="" title=""/></div></a><a data-component="keyword" class="Keyword Keyword_variant_standard Keyword_title_volkswagen ContentPreview-Category" data-discover="true" href="/automakers/volkswagen-group/volkswagen">Volkswagen</a><div class="VerticalCard"><div class="VerticalCard-Body"><a class="VerticalCard-Title VerticalCard-Title_displayOption_default" data-testid="preview-default-title" data-discover="true" href="/volkswagen/volkswagen-charting-reset-on-bevs">Volkswagen Charting ‘Reset’ on BEVs</a><a class="VerticalCard-Title VerticalCard-Title_displayOption_mobile" data-testid="preview-mobile-title" data-discover="true" href="/volkswagen/volkswagen-charting-reset-on-bevs">Volkswagen Charting ‘Reset’ on BEVs</a><div class="Contributors Contributors_variant_slimline VerticalCard-ContributorsWrapper" data-component="contributors"><div class="Contributors-InfoWrapper"><span class="Contributors-ByText" data-testid="by-text">by</span><a class="Contributors-ContributorName" data-testid="contributor-name" data-discover="true" href="/author/david-kiley">David Kiley</a></div></div></div><div class="VerticalCard-Footer"><span class="VerticalCard-Date" data-testid="vertical-card-date">Nov 27, 2024</span><div data-module="card-time" class="CardTime"><div data-component="article-read-time" class="ArticleReadTime ArticleReadTime_size_small CardTime-ReadTime"><span>3 Min Read</span></div></div></div></div></div></div><div class="ContentPreview" data-module="content-preview" data-variant="card-vertical"><div class="ContentPreview-Wrapper ContentPreview-Wrapper_variant_cardVertical"><a data-testid="thumbnail" data-discover="true" href="/vehicles/porsche-lotus-retrench-on-bevs"><div class="ContentPreview-ImageContainer"><span data-testid="content-preview-screen-reader-text" class="ContentPreview-ImageScreenReaderText">Lotus Emira V6 ICE 2024</span><img data-testid="content-preview-image" data-component="image" class="ContentPreview-Image" data-src="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/blt63020d1aaa641f69/6745c8d22293747e54587649/LotusEmiraV6ICE2024.jpg?width=700&auto=webp&quality=80&disable=upscale" src="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/blt63020d1aaa641f69/6745c8d22293747e54587649/LotusEmiraV6ICE2024.jpg?width=700&auto=webp&quality=80&disable=upscale" loading="lazy" alt="" title=""/></div></a><a data-component="keyword" class="Keyword Keyword_variant_standard Keyword_title_vehicles 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data-testid="vertical-card-date">Nov 26, 2024</span><div data-module="card-time" class="CardTime"><div data-component="article-read-time" class="ArticleReadTime ArticleReadTime_size_small CardTime-ReadTime"><span>1 Min Read</span></div></div></div></div></div></div></div></div></div></div></div></div></div><div class="MainMenu-MenuItemWrapper"><div class="MainMenu-MenuItem" role="menuitem" tabindex="0" data-testid="openSubMenu" aria-label="Open Sub menu of Industry"><span class="MainMenu-MainTitle">Industry<span data-component="icon" data-name="ChevronDown" class="MainMenu-SubMenuIcon" style="mask-image:url(/build/_assets/ChevronDown-PF4EH6J6.svg);-webkit-mask-image:url(/build/_assets/ChevronDown-PF4EH6J6.svg);mask-repeat:no-repeat;-webkit-mask-repeat:no-repeat;-webkit-mask-position:center;-webkit-mask-size:contain"></span></span></div><div class="MainMenu-SubMenuWrapper"><div class="MainMenu-SubMenuContent"><div data-module="sub-menu" class="SubMenu MainMenu-SubMenu" role="presentation"><div class="SubMenu-Container"><div class="SubMenu-RelatedTopicsWrapper"><h4 class="SubMenu-RelatedTopics">Related Topics</h4><div class="SubMenu-CasualLinkWrapper" data-testid="related"><ul class="SubMenu-CasualLinkList"><li class="SubMenu-CasualLinkItem"><a class="SubMenu-ItemLink" data-testid="sub-menu-item-link" data-discover="true" href="/industry/financials">Financials</a></li><li class="SubMenu-CasualLinkItem"><a class="SubMenu-ItemLink" data-testid="sub-menu-item-link" data-discover="true" href="/industry/regulatory">Regulatory</a></li></ul><ul class="SubMenu-CasualLinkList"><li class="SubMenu-CasualLinkItem"><a class="SubMenu-ItemLink" data-testid="sub-menu-item-link" data-discover="true" href="/industry/suppliers">Suppliers</a></li><li class="SubMenu-CasualLinkItem"><a class="SubMenu-ItemLink" data-testid="sub-menu-item-link" data-discover="true" href="/industry/sustainability">Sustainability</a></li></ul></div></div><div 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data-discover="true" href="/industry/autoline-daily-2024-top-industry-news-for-nov-27"><div class="ContentPreview-ImageContainer"><span data-testid="content-preview-screen-reader-text" class="ContentPreview-ImageScreenReaderText">thumbnail</span><img data-testid="content-preview-image" data-component="image" class="ContentPreview-Image" data-src="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/blt1342204fc8e638f2/6747522cdc555e603b23dfea/daily112724.jpg?width=700&auto=webp&quality=80&disable=upscale" src="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/blt1342204fc8e638f2/6747522cdc555e603b23dfea/daily112724.jpg?width=700&auto=webp&quality=80&disable=upscale" loading="lazy" alt="" title=""/></div></a><a data-component="keyword" class="Keyword Keyword_variant_standard Keyword_title_industry ContentPreview-Category" data-discover="true" href="/industry">Industry</a><a class="ContentPreview-IconWrapper" title="Link to all video" data-testid="content-preview-icon-link" data-discover="true" href="/videos"><span data-component="icon" data-name="Play" class="ContentPreview-Icon" style="mask-image:url(/build/_assets/Play-CLWHZVKX.svg);-webkit-mask-image:url(/build/_assets/Play-CLWHZVKX.svg);mask-repeat:no-repeat;-webkit-mask-repeat:no-repeat;-webkit-mask-position:center;-webkit-mask-size:contain"></span></a><div class="VerticalCard"><div class="VerticalCard-Body"><a class="VerticalCard-Title VerticalCard-Title_displayOption_default" data-testid="preview-default-title" style="margin-bottom:0" data-discover="true" href="/industry/autoline-daily-2024-top-industry-news-for-nov-27">Autoline Daily 2024: Top Industry News for Nov. 27</a><a class="VerticalCard-Title VerticalCard-Title_displayOption_mobile" data-testid="preview-mobile-title" style="margin-bottom:0" data-discover="true" href="/industry/autoline-daily-2024-top-industry-news-for-nov-27">Autoline Daily 2024: Top Industry News for Nov. 27</a></div><div 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class="TwoColumnLayout"><div id="portal-root"></div><div class="TwoColumnLayout-Head"><div class="ArticleBase-Header"><ul class="ArticleBase-Topics" data-testid="article-topics"><li class="ArticleBase-Topic"><a data-component="keyword" class="Keyword Keyword_variant_category Keyword_title_financeInsurance" data-discover="true" href="/dealers/finance-insurance">Finance & Insurance</a></li><li class="ArticleBase-Topic"><a data-component="keyword" class="Keyword Keyword_variant_category Keyword_title_dealers" data-discover="true" href="/dealers">Dealers</a></li><li class="ArticleBase-Topic"><a data-component="keyword" class="Keyword Keyword_variant_category Keyword_title_regulatory" data-discover="true" href="/industry/regulatory">Regulatory</a></li></ul><div><h1 class="ArticleBase-HeaderTitle"><noscript><span class="ArticleBase-LargeTitle">Industry Voices | Is CFPB’s Focus on Junk Fees Justified?</span></noscript><span class="ArticleBase-DefaultTitle" data-testid="article-default-title">Industry Voices | Is CFPB’s Focus on Junk Fees Justified?</span></h1><p class="ArticleBase-HeaderSummary" data-testid="article-summary">The CFPB’s ongoing campaign against what it terms “junk fees” doesn’t reflect consumer experience in the auto lending space, based on what consumers are actually complaining about.</p></div></div></div><div class="TwoColumnLayout-Content"><div class="TwoColumnLayout-Body"><div class="ArticleBase-Body" data-testid="article-base-body"><div class="ArticleBase-Contributors" data-testid="article-base-contributors"><div class="Contributors Contributors_variant_normal Contributors_hasAvatar" data-component="contributors"><div class="Contributors-AvatarWrapper"><a class="Contributors-AvatarLink" aria-label="Tom Oscherwitz" data-discover="true" href="/author/tom-oscherwitz"><img aria-hidden="true" data-testid="contributor-avatar" data-component="image" class="Contributors-Avatar" data-src="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/bltc3f5cec97eda73e2/6712b7111d9d03015b6cc0f2/Tom_Oscherwitz.jpeg?width=100&auto=webp&quality=80&disable=upscale" src="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/bltc3f5cec97eda73e2/6712b7111d9d03015b6cc0f2/Tom_Oscherwitz.jpeg?width=100&auto=webp&quality=80&disable=upscale" loading="lazy" alt="Picture of Tom Oscherwitz" title="Picture of Tom Oscherwitz"/></a></div><div class="Contributors-InfoWrapper"><a class="Contributors-ContributorName" data-testid="contributor-name" data-discover="true" href="/author/tom-oscherwitz">Tom Oscherwitz</a><span class="Contributors-ContributorTitle" data-testid="contributor-title">, General Counsel, Regulatory Advisor</span><p class="Contributors-Date" data-testid="contributors-date">October 28, 2024</p></div></div><div data-component="article-read-time" class="ArticleReadTime ArticleReadTime_size_normal"><span data-component="icon" data-name="Clock" class="ArticleReadTime-Icon" style="mask-image:url(/build/_assets/Clock-MSX4SBCD.svg);-webkit-mask-image:url(/build/_assets/Clock-MSX4SBCD.svg);mask-repeat:no-repeat;-webkit-mask-repeat:no-repeat;-webkit-mask-position:center;-webkit-mask-size:contain"></span><span>4 Min Read</span></div></div><div class="ArticleBase-FeaturedImageWrapper" data-testid="featured-image"><div data-component="captioned-content" class="CaptionedContent"><div class="CaptionedContent-Content"><img data-component="image" class="ArticleBase-FeaturedImage" data-src="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/blt9ae4db1be88f23ec/6712c4a20e9ac7084eea6ed2/cfpb_Auto_graphic.png?width=1280&auto=webp&quality=95&format=jpg&disable=upscale" src="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/blt9ae4db1be88f23ec/6712c4a20e9ac7084eea6ed2/cfpb_Auto_graphic.png?width=1280&auto=webp&quality=95&format=jpg&disable=upscale" loading="eager" alt="" title=""/></div><div class="CaptionedContent-Caption" data-testid="captioned-content-caption">Regulators’ scrutiny of lenders’ “junk fees” may be overemphasized.<span class="CaptionedContent-CreditTo"></span></div></div></div><div class="SocialShare"><div data-component="social-share" class="SocialShare SocialShare_variant_button ArticleBase-SocialShare ArticleBase-SocialShare_first"><a target="_blank" rel="noreferrer" aria-label="Linkedin" href="https://www.linkedin.com/sharing/share-offsite/?url=https://www.wardsauto.com/finance-insurance/industry-voices-is-cfpb-s-focus-on-junk-fees-justified-"><span class="SocialShare-IconWrapper SocialShare-IconWrapper_variant_button"><span data-component="icon" data-name="Linkedin" class="SocialShare-Icon SocialShare-Icon_variant_button SocialShare-Icon_type_linkedin" 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ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">If you are an auto lender or dealer, it’s worth keeping your eye on the complaints consumers lodge with the Consumer Financial Protection Bureau (CFPB), even if your company does not participate in the CFPB’s complaint portal.</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">For those unfamiliar, the CFPB’s Office of Consumer Response administers a statutorily mandated portal to collect, investigate and respond to consumer complaints. The CFPB uses these complaints to identify bad corporate actors, track emerging consumer protection problems, and to prioritize the use of its regulatory, supervisory and enforcement tools. When I worked in the CFPB’s Office of Supervision Policy, I remember actively using consumer complaints to inform exam topics and prioritization.</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">The complaints the CFPB gets are no secret. The bureau has opened up its </span><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><a class="ContentText-BodyTextChunk ContentText-BodyTextChunk_link" target="_blank" href="https://www.consumerfinance.gov/data-research/consumer-complaints/">complaint database</a></span><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"> for anybody – companies, consumers, class action litigators – to analyze, slice and dice. The database contains over 6 million complaints, 1.6 million of which were filed by consumers in 2023. </span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">These complaints can give advance warning of the CFPB’s upcoming oversight targets and priorities. It’s notable, for example, that consumer complaints about managing auto loans or leases in 2023 spiked by 77% and that CFPB supervisory highlights have recently focused on end-of-loan problems, such as GAP refunds and failing to automatically debit final payments.</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">Complaints also provide free market feedback from consumers about business practices that bother them. </span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><span class="ContentText-BodyTextChunk ContentText-BodyTextChunk_bold">Auto Industry Complaints</span></span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">With all that being said, here’s a recent snapshot of what’s going on in auto. Consumers filed 2,821 consumer complaints in the “vehicle loan or lease category” between June 1, 2024 and Sept. 1, 2024.</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">Consumers identified the following issues and sub-issues in their complaints:</span></p><div data-component="basic-list" class="BasicList BasicList_nestedLevel_0 BasicList_variant_unordered BasicList_limited"><ul data-testid="basic-list-unordered" class="BasicList-UnorderedList"><li><div class="BasicList-ListItem BasicList-ListItem_variant_unordered"><span data-component="icon" data-name="Circle" class="BasicList-ListIcon BasicList-ListIcon_variant_unordered" style="mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);-webkit-mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);mask-repeat:no-repeat;-webkit-mask-repeat:no-repeat;-webkit-mask-position:center;-webkit-mask-size:contain"></span><div class="BasicList-Item"><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><span class="ContentText-BodyTextChunk ContentText-BodyTextChunk_bold">Managing the loan or lease (854)</span></span></p></div></div></li><li><div class="BasicList-ListItem BasicList-ListItem_variant_unordered"><span data-component="icon" data-name="Circle" class="BasicList-ListIcon BasicList-ListIcon_variant_unordered" style="mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);-webkit-mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);mask-repeat:no-repeat;-webkit-mask-repeat:no-repeat;-webkit-mask-position:center;-webkit-mask-size:contain"></span><div class="BasicList-Item"><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><span class="ContentText-BodyTextChunk ContentText-BodyTextChunk_bold">Repossessions (623)</span></span></p></div></div></li><li><div class="BasicList-ListItem BasicList-ListItem_variant_unordered"><span data-component="icon" data-name="Circle" class="BasicList-ListIcon BasicList-ListIcon_variant_unordered" style="mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);-webkit-mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);mask-repeat:no-repeat;-webkit-mask-repeat:no-repeat;-webkit-mask-position:center;-webkit-mask-size:contain"></span><div class="BasicList-Item"><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><span class="ContentText-BodyTextChunk ContentText-BodyTextChunk_bold">Getting a loan or lease (425)</span></span></p></div></div></li></ul></div><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">Loan open without my consent or knowledge (128)</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">Credit denial (107)</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">Confusing or misleading advertising or marketing (93)</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">Changes in terms mid-deal or after closing (33)</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">High-pressure sales tactics (24)</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">Problems with additional add-on products or service purchased with the loan (14) </span></p><div data-component="basic-list" class="BasicList BasicList_nestedLevel_0 BasicList_variant_unordered BasicList_limited"><ul data-testid="basic-list-unordered" class="BasicList-UnorderedList"><li><div class="BasicList-ListItem BasicList-ListItem_variant_unordered"><span data-component="icon" data-name="Circle" class="BasicList-ListIcon BasicList-ListIcon_variant_unordered" style="mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);-webkit-mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);mask-repeat:no-repeat;-webkit-mask-repeat:no-repeat;-webkit-mask-position:center;-webkit-mask-size:contain"></span><div class="BasicList-Item"><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><span class="ContentText-BodyTextChunk ContentText-BodyTextChunk_bold">Problems at the end of the loan or lease (403)</span></span></p></div></div></li><li><div class="BasicList-ListItem BasicList-ListItem_variant_unordered"><span data-component="icon" data-name="Circle" class="BasicList-ListIcon BasicList-ListIcon_variant_unordered" style="mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);-webkit-mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);mask-repeat:no-repeat;-webkit-mask-repeat:no-repeat;-webkit-mask-position:center;-webkit-mask-size:contain"></span><div class="BasicList-Item"><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><span class="ContentText-BodyTextChunk ContentText-BodyTextChunk_bold">Incorrect Information on the consumer’s report (224)</span></span></p></div></div></li><li><div class="BasicList-ListItem BasicList-ListItem_variant_unordered"><span data-component="icon" data-name="Circle" class="BasicList-ListIcon BasicList-ListIcon_variant_unordered" style="mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);-webkit-mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);mask-repeat:no-repeat;-webkit-mask-repeat:no-repeat;-webkit-mask-position:center;-webkit-mask-size:contain"></span><div class="BasicList-Item"><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><span class="ContentText-BodyTextChunk ContentText-BodyTextChunk_bold">Struggling to pay loan (78)</span></span></p></div></div></li><li><div class="BasicList-ListItem BasicList-ListItem_variant_unordered"><span data-component="icon" data-name="Circle" class="BasicList-ListIcon BasicList-ListIcon_variant_unordered" style="mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);-webkit-mask-image:url(/build/_assets/Circle-MTZTA6VT.svg);mask-repeat:no-repeat;-webkit-mask-repeat:no-repeat;-webkit-mask-position:center;-webkit-mask-size:contain"></span><div class="BasicList-Item"><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><span class="ContentText-BodyTextChunk ContentText-BodyTextChunk_bold">Problem with company’s investigation (62)</span></span></p></div></div></li></ul></div><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">What does all of this mean for the auto and auto lending industries? For starters, it means the CFPB’s ongoing campaign against what it terms “junk fees” doesn’t reflect consumer experience in the auto lending space, based on what consumers are actually complaining about.</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">The CFPB has been intensifying its efforts to combat junk fees across various financial products and services, including those in the automotive industry. This initiative has significant implications for Guaranteed Asset Protection (GAP) insurance and other aftermarket products commonly sold alongside vehicle purchases.</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">However, in taking a closer look at what consumers are actually complaining about:</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><span class="ContentText-BodyTextChunk ContentText-BodyTextChunk_bold">Consumers are directing their ire elsewhere</span></span><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">: During the same three-month period between June and September, consumers filed over 578,000 complaints with the CFPB about their credit reports, 33,000 about debt collection and 11,000 about their savings accounts.</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><span class="ContentText-BodyTextChunk ContentText-BodyTextChunk_bold">Most auto complaints relate to servicing and when loans go bad</span></span><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">: Only 15% of consumer auto complaints relate to getting a loan. Most consumer complaints during this period related to servicing (approximately 28%) and problems at the end of loan or lease, including repossessions (approximately 36%).</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><span class="ContentText-BodyTextChunk ContentText-BodyTextChunk_bold">Consumers don’t seem to be complaining about the terms of their auto loans or aftermarket products:</span></span><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"> In reviewing complaint narratives, we saw very few consumers criticizing the substance of their loans or the aftermarket products they owned. Rather, complaints often related to getting unwanted products, poor customer service or charges they didn’t think they owed.</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text"><span class="ContentText-BodyTextChunk ContentText-BodyTextChunk_bold">Fraud is an issue consumers raise in auto and in nearly every credit category.</span></span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">No doubt, fraud continues to rise and the fraudsters are getting more sophisticated by the day.</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">As the CFPB continues its focus on junk fees, the automotive industry should anticipate further scrutiny and potential supervisory and enforcement actions. High-profile enforcement cases could set precedents for industry practices. The CFPB may work more closely with state-level regulators to address junk fee issues in automotive financing, and efforts to improve consumer understanding of automotive financing and add-on products may increase.</span></p><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNormal" data-testid="content-text">While it is clear the CFPB has the industry under a microscope, it is also important for dealers and lenders to be aware of all the different areas where consumers are complaining so we can continue to make progress in improving overall service levels and the car-buying experience.</span></p></div></div><div class="SocialShare"><div data-component="social-share" class="SocialShare SocialShare_variant_button ArticleBase-SocialShare ArticleBase-SocialShare_second"><a target="_blank" rel="noreferrer" aria-label="Linkedin" 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class="ContributorSummary ContributorSummary_variant_author"><div class="ContributorSummary-ImageWrapper ContributorSummary-ImageWrapper_variant_author"><a data-testid="contributor-summary-img-link" data-discover="true" href="/author/tom-oscherwitz"><img data-component="image" class="ContributorSummary-Image ContributorSummary-Image_variant_author" data-src="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/bltc3f5cec97eda73e2/6712b7111d9d03015b6cc0f2/Tom_Oscherwitz.jpeg?width=400&auto=webp&quality=80&disable=upscale" src="https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/bltc3f5cec97eda73e2/6712b7111d9d03015b6cc0f2/Tom_Oscherwitz.jpeg?width=400&auto=webp&quality=80&disable=upscale" loading="lazy" alt="Tom Oscherwitz" title="Tom Oscherwitz"/></a></div><div class="ContributorSummary-InfoWrapper ContributorSummary-InfoWrapper_variant_author"><div class="ContributorSummary-TitleWrapper"><a data-testid="contributor-summary-title-link" data-discover="true" href="/author/tom-oscherwitz"><p class="ContributorSummary-Title ContributorSummary-Title_variant_author" data-testid="contributor-summary-title">Tom Oscherwitz</p></a></div><div class="ContributorSummary-SubTitleWrapper ContributorSummary-SubTitleWrapper_variant_author"><p class="ContributorSummary-SubTitle ContributorSummary-SubTitle_variant_author" data-testid="contributor-summary-subtitle">General Counsel, Regulatory Advisor, Informed.IQ</p></div><div class="ContributorSummary-ContentWrapper ContributorSummary-ContentWrapper_variant_author"><div class="ContributorSummary-Content ContributorSummary-Content_variant_author" data-testid="contributor-summary-content"><p class="ContentParagraph ContentParagraph_align_left" data-testid="content-paragraph"><span class="ContentText ContentText_variant_bodyNoneStyle" data-testid="content-text">Tom Oscherwitz is general counsel and regulatory advisor at Informed.IQ, an AI software company specializing in auto lending. He has over 25 years of experience as a senior government regulator and as a fintech legal executive.</span></p></div></div></div><div class="ContributorSummary-SeeMore"><a data-component="button" class="Button Button_size_medium Button_variant_textLink" rel="" data-discover="true" href="/author/tom-oscherwitz"><span class="Button-ContentWrapper"><span class="ContributorSummary-SeeMoreText"><span>See more from Tom Oscherwitz</span><span data-component="icon" data-name="ChevronRight" class="ContributorSummary-SeeMoreIcon" style="mask-image:url(/build/_assets/ChevronRight-NHDKEYGJ.svg);-webkit-mask-image:url(/build/_assets/ChevronRight-NHDKEYGJ.svg);mask-repeat:no-repeat;-webkit-mask-repeat:no-repeat;-webkit-mask-position:center;-webkit-mask-size:contain"></span></span></span></a></div></div></div></div><div data-module="newsletter-signup-promo"><div class="SubscribeBannerTopicPage SubscribeBannerTopicPage_mode_dark SubscribeBannerTopicPage_variant_vertical ArticleBase-Newsletter"><div class="SubscribeBannerTopicPage-Content"><div class="SubscribeBannerTopicPage-Title" data-testid="subscribeBannerTopicPage_title">Subscribe to a WardsAuto newsletter today!</div><div class="SubscribeBannerTopicPage-Message" data-testid="subscribeBannerTopicPage_message">Get the latest automotive news delivered daily or weekly. 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He has over 25 years of experience as a senior government regulator and as a fintech legal executive."}]}]}],"gatedWithExternalForm":false,"gatedWithSiteReg":false,"paidGating":false,"sponsorName":""},"template":{"breadcrumbs":[{"url":"/","title":"Home"},{"url":"/dealers/finance-insurance","title":"Finance \u0026 Insurance"}],"topics":[{"__typename":"TopicSecondary","title":"Finance \u0026 Insurance","url":"/dealers/finance-insurance","parentTopic":{"title":"Dealers"}},{"__typename":"TopicPrimary","title":"Dealers","url":"/dealers"},{"__typename":"TopicSecondary","title":"Regulatory","url":"/industry/regulatory","parentTopic":{"title":"Industry"}}],"subBrand":null,"searchParams":{},"summary":"The CFPB’s ongoing campaign against what it terms “junk fees” doesn’t reflect consumer experience in the auto lending space, based on what consumers are actually complaining about.","title":"Industry Voices | Is CFPB’s Focus on Junk Fees Justified?","mobileHeadline":"Industry Voices | Is CFPB’s Focus on Junk Fees Justified?","authoredBy":"","authoredOn":"","oldUrl":"","buyersJourney":"","contributors":[{"title":"Tom Oscherwitz","name":"Tom Oscherwitz","companyName":"Informed.IQ","role":"General Counsel, Regulatory Advisor","avatar":"https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/bltc3f5cec97eda73e2/6712b7111d9d03015b6cc0f2/Tom_Oscherwitz.jpeg","link":"/author/tom-oscherwitz","tagLine":"General Counsel, Regulatory Advisor, Informed.IQ","summary":[{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"Tom Oscherwitz is general counsel and regulatory advisor at Informed.IQ, an AI software company specializing in auto lending. He has over 25 years of experience as a senior government regulator and as a fintech legal executive."}]}]}],"readTime":4,"newsletterSignUpPromo":{"title":"Subscribe to a WardsAuto newsletter today!","message":"Get the latest automotive news delivered daily or weekly. With 6 newsletters to choose from, each curated by our Editors, you can decide what matters to you most.","newsletterId":"blt9fed09ee18792c0b","buttonText":"SUBSCRIBE","variant":"vertical","mode":"dark"},"socialShare":[{"type":"Linkedin","url":"https://www.linkedin.com/sharing/share-offsite/?url=https://www.wardsauto.com/finance-insurance/industry-voices-is-cfpb-s-focus-on-junk-fees-justified-"},{"type":"Facebook","url":"http://www.facebook.com/sharer/sharer.php?u=https://www.wardsauto.com/finance-insurance/industry-voices-is-cfpb-s-focus-on-junk-fees-justified-"},{"type":"Twitter","url":"http://www.twitter.com/intent/tweet?url=https://www.wardsauto.com/finance-insurance/industry-voices-is-cfpb-s-focus-on-junk-fees-justified-"},{"type":"Reddit","url":"https://www.reddit.com/submit?url=https://www.wardsauto.com/finance-insurance/industry-voices-is-cfpb-s-focus-on-junk-fees-justified-\u0026title=Industry%20Voices%20%7C%20Is%20CFPB%E2%80%99s%20Focus%20on%20Junk%20Fees%20Justified%3F"},{"type":"Email","url":"mailto:?subject=Industry Voices | Is CFPB’s Focus on Junk Fees Justified?\u0026body=I%20thought%20the%20following%20from%20WardsAuto%20might%20interest%20you.%0D%0A%0D%0A%20Industry%20Voices%20%7C%20Is%20CFPB%E2%80%99s%20Focus%20on%20Junk%20Fees%20Justified%3F%0D%0Ahttps%3A%2F%2Fwww.wardsauto.com%2Ffinance-insurance%2Findustry-voices-is-cfpb-s-focus-on-junk-fees-justified-"},{"type":"Print","url":"/"}],"publishedDate":"2024-10-28T10:45:00.000Z","keywords":[],"atAGlance":[],"bodyJson":[{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"If you are an auto lender or dealer, it’s worth keeping your eye on the complaints consumers lodge with the Consumer Financial Protection Bureau (CFPB), even if your company does not participate in the CFPB’s complaint portal."}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"For those unfamiliar, the CFPB’s Office of Consumer Response administers a statutorily mandated portal to collect, investigate and respond to consumer complaints. The CFPB uses these complaints to identify bad corporate actors, track emerging consumer protection problems, and to prioritize the use of its regulatory, supervisory and enforcement tools. When I worked in the CFPB’s Office of Supervision Policy, I remember actively using consumer complaints to inform exam topics and prioritization."}]},{"type":"ad","pos":"300_1v_article"},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"The complaints the CFPB gets are no secret. The bureau has opened up its "},{"type":"text","marks":[{"type":"link","attrs":{"href":"https://www.consumerfinance.gov/data-research/consumer-complaints/","target":"_self","rel":null,"class":null}}],"text":"complaint database"},{"type":"text","text":" for anybody – companies, consumers, class action litigators – to analyze, slice and dice. The database contains over 6 million complaints, 1.6 million of which were filed by consumers in 2023. "}]},{"type":"ad","pos":"native_1v"},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"These complaints can give advance warning of the CFPB’s upcoming oversight targets and priorities. It’s notable, for example, that consumer complaints about managing auto loans or leases in 2023 spiked by 77% and that CFPB supervisory highlights have recently focused on end-of-loan problems, such as GAP refunds and failing to automatically debit final payments."}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"Complaints also provide free market feedback from consumers about business practices that bother them. "}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","marks":[{"type":"bold"}],"text":"Auto Industry Complaints"}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"With all that being said, here’s a recent snapshot of what’s going on in auto. Consumers filed 2,821 consumer complaints in the “vehicle loan or lease category” between June 1, 2024 and Sept. 1, 2024."}]},{"type":"ad","pos":"video_v"},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"Consumers identified the following issues and sub-issues in their complaints:"}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","marks":[{"type":"bold"}],"text":"Managing the loan or lease (854)"}]}]},{"type":"listItem","content":[{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","marks":[{"type":"bold"}],"text":"Repossessions (623)"}]}]},{"type":"listItem","content":[{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","marks":[{"type":"bold"}],"text":"Getting a loan or lease (425)"}]}]}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"Loan open without my consent or knowledge (128)"}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"Credit denial (107)"}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"Confusing or misleading advertising or marketing (93)"}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"Changes in terms mid-deal or after closing (33)"}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"High-pressure sales tactics (24)"}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"Problems with additional add-on products or service purchased with the loan (14) "}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","marks":[{"type":"bold"}],"text":"Problems at the end of the loan or lease (403)"}]}]},{"type":"listItem","content":[{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","marks":[{"type":"bold"}],"text":"Incorrect Information on the consumer’s report (224)"}]}]},{"type":"listItem","content":[{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","marks":[{"type":"bold"}],"text":"Struggling to pay loan (78)"}]}]},{"type":"listItem","content":[{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","marks":[{"type":"bold"}],"text":"Problem with company’s investigation (62)"}]}]}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"What does all of this mean for the auto and auto lending industries? For starters, it means the CFPB’s ongoing campaign against what it terms “junk fees” doesn’t reflect consumer experience in the auto lending space, based on what consumers are actually complaining about."}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"The CFPB has been intensifying its efforts to combat junk fees across various financial products and services, including those in the automotive industry. This initiative has significant implications for Guaranteed Asset Protection (GAP) insurance and other aftermarket products commonly sold alongside vehicle purchases."}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"However, in taking a closer look at what consumers are actually complaining about:"}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","marks":[{"type":"bold"}],"text":"Consumers are directing their ire elsewhere"},{"type":"text","text":": During the same three-month period between June and September, consumers filed over 578,000 complaints with the CFPB about their credit reports, 33,000 about debt collection and 11,000 about their savings accounts."}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","marks":[{"type":"bold"}],"text":"Most auto complaints relate to servicing and when loans go bad"},{"type":"text","text":": Only 15% of consumer auto complaints relate to getting a loan. Most consumer complaints during this period related to servicing (approximately 28%) and problems at the end of loan or lease, including repossessions (approximately 36%)."}]},{"type":"ad","pos":"native_2v"},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","marks":[{"type":"bold"}],"text":"Consumers don’t seem to be complaining about the terms of their auto loans or aftermarket products:"},{"type":"text","text":" In reviewing complaint narratives, we saw very few consumers criticizing the substance of their loans or the aftermarket products they owned. Rather, complaints often related to getting unwanted products, poor customer service or charges they didn’t think they owed."}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","marks":[{"type":"bold"}],"text":"Fraud is an issue consumers raise in auto and in nearly every credit category."}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"No doubt, fraud continues to rise and the fraudsters are getting more sophisticated by the day."}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"As the CFPB continues its focus on junk fees, the automotive industry should anticipate further scrutiny and potential supervisory and enforcement actions. High-profile enforcement cases could set precedents for industry practices. The CFPB may work more closely with state-level regulators to address junk fee issues in automotive financing, and efforts to improve consumer understanding of automotive financing and add-on products may increase."}]},{"type":"paragraph","attrs":{"textAlign":"left"},"content":[{"type":"text","text":"While it is clear the CFPB has the industry under a microscope, it is also important for dealers and lenders to be aware of all the different areas where consumers are complaining so we can continue to make progress in improving overall service levels and the car-buying experience."}]}],"contentType":"Article","uid":"blt75f9b724bb939084","sponsored":{"logoUrl":"","url":"","alt":"","title":"","campaignURL":"","isSponsored":false,"gateWithSiteReg":false,"gateWithExternalForm":"None","externalFormID":""},"featuredImage":{"src":"https://eu-images.contentstack.com/v3/assets/blt7121b6ec5c11097b/blt9ae4db1be88f23ec/6712c4a20e9ac7084eea6ed2/cfpb_Auto_graphic.png","alt":"","caption":"Regulators’ scrutiny of lenders’ “junk fees” may be overemphasized.","creditTo":""},"contentFormat":{"title":"Commentary"},"seriesTaxonomy":[],"programTaxonomy":[],"sidebarModules":[{"type":"module_link_list","data":{"listOption":"Dynamic","listTitle":"Reports","icon":"Document","externalFeed":"","ctaButton":{"ctaButtonLink":"/documents","ctaButtonText":"See all"},"openInNewTab":false,"articles":[{"contentType":"Document","title":"F-RAM in xEV Automotive Applications","url":"/electric/f-ram-in-xev-automotive-applications","isExternalLink":false,"readTime":1,"publishedDate":"2023-07-14T18:01:00.000Z","eventDate":"","webinarStartTime":""},{"contentType":"Document","title":"Virtual Twin for Battery Engineering","url":"/internal-combustion-engines/virtual-twin-for-battery-engineering","isExternalLink":false,"readTime":2,"publishedDate":"2022-10-28T15:53:00.000Z","eventDate":"","webinarStartTime":""},{"contentType":"Document","title":"Is Android Automotive OS the Future of Car Infotainment?","url":"/industry/is-android-automotive-os-the-future-of-car-infotainment-","isExternalLink":false,"readTime":1,"publishedDate":"2022-10-28T14:18:00.000Z","eventDate":"","webinarStartTime":""},{"contentType":"Document","title":"The Road to Autonomous – The Numerous Pitstops and Configurations Along the Way","url":"/autonomous-adas/the-road-to-autonomous-the-numerous-pitstops-and-configurations-along-the-way","isExternalLink":false,"readTime":1,"publishedDate":"2022-09-01T15:37:00.000Z","eventDate":"","webinarStartTime":""}]}}],"relatedEvents":[],"topicSelector":{"mainTopic":{"type":"TopicSecondary","title":"Finance \u0026 Insurance","url":"/dealers/finance-insurance","parentTopic":{"type":"TopicPrimary","title":"Dealers"}},"additionalTopics":[{"type":"TopicPrimary","title":"Dealers","url":"/dealers"},{"type":"TopicSecondary","title":"Regulatory","url":"/industry/regulatory","parentTopic":{"type":"TopicPrimary","title":"Industry"}}]},"disclaimer":[],"paidGating":{"isPaidContent":false,"paidProductTaxonomies":[]},"errorModal":{"showErrorModal":false,"errorTitle":"Oops! 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