CFPB to Oversee Nonbank Auto Finance Companies – Newsroom – Consumer Financial Protection Bureau #auto #dealerships


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CFPB to Oversee Nonbank Auto Finance Companies

Bureau Publishes Exam Procedures for Supervised Companies in $900 Billion Market

WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) published a rule today that will allow the agency to supervise larger nonbank auto finance companies for the first time. The CFPB also released the examination procedures that examiners will use to ensure that auto finance companies are following the law.

“Auto loans and leases are among the most significant and complex financial transactions in a typical consumer’s life,” said CFPB Director Richard Cordray. “Today’s rule will help ensure that larger auto finance companies treat consumers fairly.”

Auto loans are the third largest category of household debt, behind mortgages and student loans. American consumers had about $900 billion in auto loans outstanding in the fourth quarter of 2014. The automobile leasing market also continues to grow as more than a quarter of new cars are acquired through leases.

Auto loans are financed by both banks and nonbanks. Consumers can either get a loan through direct financing, where they seek credit directly from a lender, or through indirect financing, where an auto dealer typically enters into a retail installment sales contract that it then sells to a third-party. Banks, credit unions, and nonbank auto finance companies provide credit to consumers both directly and indirectly. Some nonbank finance companies are “captive” nonbanks, meaning they are owned by auto manufacturers and generally do only indirect lending.

Currently, the Bureau supervises auto financing at the largest banks and credit unions. Today’s rule extends that supervision to any nonbank auto finance company that makes, acquires, or refinances 10,000 or more loans or leases in a year. Under the rule, those companies will be considered “larger participants,” and the Bureau may oversee their activity to ensure they are complying with federal consumer financial laws, including the Equal Credit Opportunity Act, the Truth in Lending Act, the Consumer Leasing Act, and the Dodd-Frank Wall Street Reform and Consumer Protection Act’s (Dodd-Frank Act) prohibition on unfair, deceptive, or abusive acts or practices.

Under today’s final rule, which was proposed in September 2014, the Bureau estimates that it will have authority to supervise about 34 of the largest nonbank auto finance companies and their affiliated companies that engage in auto financing. These companies together originate around 90 percent of nonbank auto loans and leases, and in 2013 provided financing to approximately 6.8 million consumers. The final rule also defines additional automobile leasing activities for coverage by certain consumer protections of the Dodd-Frank Act.

The Bureau is finalizing the rule largely as proposed, with minor changes. The final rule broadens the category of transactions involving asset-backed securities that are not counted toward the 10,000 transaction threshold. It also makes a minor modification to the definition of refinancing for the purpose of the threshold.

To coincide with this new authority, the Bureau has also updated its Supervisory and Examination Manual to provide guidance on how the Bureau will monitor the bank and nonbank auto finance companies that it supervises. Examiners will be assessing potential risks to consumers and whether auto finance companies are complying with requirements of federal consumer financial law. Among other things, examiners will be evaluating whether auto finance companies are:

  • Fairly marketing and disclosing auto financing terms: The Bureau will be examining auto finance companies that market directly to consumers to ensure they are not using deceptive tactics to market loans or leases. The Bureau would be concerned if consumers are being misled about the benefits or terms of financial products. The Bureau is also looking to ensure that consumers understand the terms they are getting.
  • Providing accurate information to credit bureaus: The Bureau will assess whether information auto finance companies provide to credit bureaus is accurate. The CFPB recently took an enforcement action against an auto finance company that distorted consumer credit records by inaccurately reporting information like the consumers’ payment history and delinquency status to credit bureaus. The CFPB is looking to prevent inaccurate information from being reported in the future.
  • Treating consumers fairly when collecting debts: The Bureau will assess whether auto finance companies are using illegal debt collection tactics. The Bureau will be looking to ensure that collectors are relying on accurate information and using legal processes when they collect on debts. The Bureau also will review the repossession process, including the practices of third-party service providers that are employed to repossess autos.
  • Lending fairly: The Bureau will assess whether auto finance companies’ practices comply with the Equal Credit Opportunity Act and other Bureau authorities protecting consumers.

Today’s rule will take effect 60 days after publication in the Federal Register.

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The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov .


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CFPB Proposes New Federal Oversight of Nonbank Auto Finance Companies – Newsroom – Consumer Financial Protection Bureau #auto #performance #parts


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CFPB Proposes New Federal Oversight of Nonbank Auto Finance Companies

Bureau Supervision Uncovers Auto-Lending Discrimination at Banks and Obtains $56 Million for Harmed Consumers

WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) is proposing to oversee larger nonbank auto finance companies for the first time at the federal level. The Bureau also released a supervision report that details the auto-lending discrimination that the Bureau has uncovered at banks. The report highlights that the Bureau’s supervisory actions against banks will result in about $56 million in redress for up to 190,000 consumers harmed by discriminatory practices.

“Many people depend on auto financing to pay for the car they need to get to work,” said CFPB Director Richard Cordray. “Nonbank auto finance companies extend hundreds of billions of dollars in credit to American consumers, yet they have never been supervised at the federal level. We took action after we uncovered auto-lending discrimination at banks we supervise. Today’s proposal would extend our oversight, allowing us to root out discrimination and ensure consumers are being treated fairly across this market.”

Cars are indispensable for most working Americans. Nearly 90 percent of the U.S. workforce commutes to work by car. Auto loans are the third largest category of household debt, behind mortgage and student loans. With the average loan for a new car nearing $27,000, American consumers had 87.4 million outstanding auto loans valued at nearly $900 billion in the first quarter of 2014. The leasing market also continues to grow as more than a quarter of new cars are acquired through leases.

Auto loans are financed by both banks and nonbanks. Consumers can either get a loan through direct financing where they seek credit directly from a lender or through indirect financing where an auto dealer typically facilitates a loan from a third party. Banks, credit unions, and nonbank auto finance companies provide credit to consumers both directly and indirectly. Some nonbank finance companies are “captive” nonbanks, meaning finance companies owned by auto manufacturers who generally do only indirect lending.

Currently, the Bureau supervises large banks making auto loans, but not nonbank auto finance companies. Today the CFPB is proposing to extend its supervision authority to the larger participants of the nonbank auto finance market. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act), the CFPB has authority to supervise certain nonbanks the Bureau defines through rulemaking as “larger participants” in a market.

Today’s proposed rule would generally allow the Bureau to supervise nonbank auto finance companies that make, acquire, or refinance 10,000 or more loans or leases in a year. The Bureau would be supervising them to ensure they are complying with federal consumer financial law. The Bureau estimates that about 38 auto finance companies would be subject to this new oversight. These companies originate around 90 percent of nonbank auto loans and leases, and in 2013 provided financing to approximately 6.8 million consumers.

Given the significance of car ownership in the lives of consumers, the CFPB wants to make sure that auto lenders, including auto finance companies, are treating consumers fairly throughout the life of loan by:

  • Fairly marketing and disclosing auto financing: The Bureau wants to make sure that auto finance companies who market directly to consumers are not using deceptive tactics to market loans or leases. The Bureau would be concerned if consumers are being misled about the benefits or terms of financial products. The Bureau is also looking to ensure that consumers are getting terms they understand and accept.
  • Providing accurate information to credit bureaus: The Bureau wants to make sure that information provided to the credit bureaus is accurate. The CFPB recently took an enforcement action against an auto finance company that distorted consumer credit records by inaccurately reporting information like the consumer’s payment history and delinquency status to credit bureaus. The CFPB is looking to prevent inaccurate information from being reported in the future.
  • Treating consumers fairly when collecting debts: The Bureau wants to make sure that auto finance companies are not using illegal debt collection tactics. The Bureau has received complaints from consumers who say that their autos have been repossessed while they are current on the loan or have a payment arrangement in place. The Bureau also is looking to ensure that collectors are relying on accurate information and using legal processes when they collect on debts or repossess autos.

Today’s proposed rule is open for comment for 60 days after the rule is published in the Federal Register.

Discrimination in the Auto-Lending Market

The CFPB is also concerned about discriminatory pricing in the auto-lending market. When consumers receive indirect financing, often the finance company or other indirect lender authorizes the dealer to mark up the interest rate. Markups lead to dealers and indirect lenders charging different rates to similarly situated consumers, which increases the risk of discrimination. Discriminatory markups on auto loans may result in tens of millions of dollars in consumer harm each year.

In March 2013, the CFPB issued a bulletin reminding indirect auto lenders that under the Equal Credit Opportunity Act (ECOA), it is illegal for a creditor to discriminate in any aspect of a credit transaction on prohibited bases including race, color, religion, national origin, sex, marital status, and age.

Today the Bureau is releasing a new “Supervisory Highlights” report, which details the auto-lending discrimination the CFPB has uncovered at banks under Bureau supervision over the past two years. CFPB examiners found that these indirect auto lenders had discretionary pricing policies that resulted in discrimination against African-American, Hispanic, and Asian and Pacific Islander borrowers. As a result, these borrowers paid more for their auto loans than similarly situated non-Hispanic white borrowers.

When lenders have not followed the law, the Bureau has used both enforcement and supervisory actions to direct institutions to obtain remediation to harmed consumers. Recent non-public CFPB supervisory actions at indirect auto financing institutions resulted in approximately $56 million in remediation for up to 190,000 consumers.

To prevent discrimination from reoccurring at these lenders, the CFPB has identified at least three possible ways institutions can limit their fair lending risk:

  • Conduct internal monitoring for discrimination: Auto lenders should monitor and correct for potential discrimination that stems from discretionary pricing policies and address the effects of markup policies as part of a robust fair lending compliance program.
  • Limit discretionary markups: Indirect auto lenders can reduce the risk of potential discrimination by limiting the discretion dealers have to mark up the price of a loan financed by the lender.
  • Eliminate dealer discretion for markups: Indirect auto lenders can also lower their fair lending risk by eliminating dealers’ ability to markup the price of a loan and fairly compensating dealers using a different mechanism.

Methodology for Evaluating Auto Lending

In order to evaluate a lender’s compliance with fair lending laws, CFPB examination teams use a proxy methodology just as other federal supervisory agencies and many private companies do. To proxy for race and national origin, exam teams rely on data associated with consumers’ last names and places of residence. Census Bureau data is first used to calculate the probability that an individual belongs to a specific race and ethnicity based on their last name. Exam teams then update that probability based on the demographics of the area in which the person resides again using Census Bureau data.

The CFPB is releasing a white paper which details the precise methodology the Bureau uses to calculate these probabilities, and is also releasing the Bureau’s computer code so that lenders can perform the same analysis that the Bureau’s examination teams perform. The white paper also reports on a study the Bureau has conducted which finds that the integrated approach to building a proxy is more accurate than either surname or geographic data individually.

More details on the CFPB’s proxy methodology for race and national origin can be found at:

### The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit ConsumerFinance.gov.


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Berk s Electrical and Lighting is a full service electrical contracting company that has been providing electrical contracting for exterior, interior and landscape lighting, retrofits, service installations, new construction, renovations. tenant improvements, service upgrades and repair since the early seventies. Working on designs from start to end with his qualified team of project consultants and technicians Berk s Electrical and Lighting provides the necessary confidence any client needs to get their project finished on time, on budget and to code. Anyone knows that professional interruptions can cause inefficiencies that have a sudden impact on project costs, that s why Berk s Electrical and Lighting focuses on getting electricity restored into your system in the fastest and safest manner possible. It goes without saying that this is at the minimum risk to any valuable or data sensitive equipment.

Our professional Laguna Niguel electricians can come to your Laguna Niguel home and diagnose any problem you may be having. Our trucks are fully stocked to ensure that we have the right tools and materials to ensure the best service for your home. We will do all your electrical work personally to guarantee an excellent job for you. All the electrical materials we install for your project will be the finest that are available.

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Our professional Laguna Niguel electricians can come to your Laguna Niguel home and diagnose any problem you may be having. Our trucks are fully stocked to ensure that we have the right tools and materials to ensure the best service for your home. We will do all your electrical work personally to guarantee an excellent job for you. All the electrical materials we install for your project will be the finest that are available.

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Students, campuses in state add saving water to college life – LA Times #ucla, #environmental #protection, #carbon #footprint, #severe #drought, #water #restrictions, #jerry #brown, #janet #napolitano, #cal #state #campuses


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Students, campuses in state add saving water to college life

College campuses, students in California are taking steps to reduce water usage amid drought

In a residence hall at UCLA. 84 students share a floor dedicated to cutting waste and preserving the environment: They take five-minute showers, they compost and recycle, they goad each other to turn out the lights and, through a grant, they purchased reusable plastic and bamboo dishes and utensils for personal use in the dorm.

We call ourselves the sustainable living and learning lab and our floor is really just about education and facilitating student leadership in the area, said Sarah Dahnke, 21, a global studies major and one of the dorm’s resident assistants.

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FOR THE RECORD:

Water conservation: In the April 22 California section, a photo caption with an article about saving water on college campuses misidentified a passerby as UCLA Chief Sustainability Officer Nurit Katz. —
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Efforts like those of Dahnke and her dorm mates are being replicated at colleges and universities in California and across the nation as part of a growing movement to incorporate environmental protection into research, curriculum and student life.

California institutions have in many ways been in the vanguard of progressive policies to promote energy efficiency and reduce their carbon footprint.

Now, in the grip of a severe drought and facing mandatory water restrictions, the state’s colleges are under intensified pressure to reduce consumption and ramp up other conservation measures. They have many advantages: faculty researching the cutting edge of sustainable technologies and students eager to embrace the cause.

When I first came to California a few years ago, there was a lot more green grass and snow. In class, we see data showing the changes and then you see it in nature. Sidhaant Shah, UCLA chemical engineering and environmental science major

But they also face tough challenges, with many of the larger campuses being virtual cities within cities, including thousands of students and faculty, housing, transportation and hundreds of acres of land to contend with.

Campuses throughout the state are installing low-flow urinals and shower heads, faucet aerators and high-efficiency toilets in dorms. Many are turning off sections of irrigation systems and letting grounds go brown, with plans to install drought tolerant plants and hardscape.

University of California President Janet Napolitano has committed to achieving carbon neutrality on the 10 campuses by 2025. The state’s 112 community colleges are studying which water conservation methods are yielding the greatest savings, partly in response to questions from Gov. Jerry Brown and the Legislature on efforts colleges are making, said Paul Feist, a spokesman for the community colleges chancellor’s office.

At Cal State Long Beach. a project to convert lawn areas to drought resistant landscaping, with the first phase — encompassing about two acres of the 322-acre campus — is expected to be completed in August. The conversion is projected to save about 3.5 million gallons of water and $15,000 in water costs annually.

The campus, with 35,000 students, consumes about 200 million gallons of water each year, about 50% of it used to irrigate lawns and athletic fields. The campus is also studying how to use reclaimed water in place of potable water, said David Salazar, associate vice president of physical planning and facilities.

Meanwhile, a wide variety of college classes are incorporating instruction on environmental impacts. In a green chemistry class at Cal State Fullerton. students are asked to calculate their carbon and water footprint, to collect their trash for 48 hours to illustrate how much is thrown away and develop more environmentally friendly products, said professor and interim librarian Scott Hewitt, who spoke recently at a campus symposium. The school offers a master’s degree in environmental studies and is considering developing an undergraduate minor in sustainability, Hewitt said.

Efforts extend beyond the campus as well. Cal State campuses, for example, are working with local governments and water agencies to help low-income Central Valley communities develop conservation strategies.

Despite efforts such as these around the nation, some experts contend that even more far-reaching measures are needed that will require greater investment.

Unfortunately, many educational institutions are more risk-averse than corporations; they’re progressive in terms ideas but conservative in terms of their ability to change business as usual and consider the long-term investment, said Wynn Calder, co-director of University Leaders for a Sustainable Future.

Funding is certainly an issue for California’s public colleges, which are still recovering from the loss of billions of dollars in state support during the recession.

Local water districts are collaborating with colleges to help sponsor some water reduction projects, but generally universities make use of the same conservation incentives that are available to the general public. There are few dedicated funds, for example, for retrofitting public buildings to lower water use, said Peter Brostrom, water use efficiency manager at the California Department of Water Resources.

The UC budget is stretched and state grant funding is often directed to water suppliers and there’s a lot of competition for that, Brostrom said. Right now, [the] lack of resources are constraining some of these needed improvements.

Less than a year ago, when California officials were beginning to realize the extent of the drought emergency. a water main break flooded parts of UCLA with 20 million gallons of water. A water-saving campaign at the Westwood campus reduced consumption by 9 million gallons in just the 15 complexes that house about 12,000 students, said Josh O’Connor, who organizes the student Team Green program, which places student leaders in dorms to encourage their peers to conserve.

Elsewhere on campus, replacing lawns with drought resistant landscaping is expected to save 4.9 million gallons annually, said Nurit Katz, the campus’ chief sustainability officer. The 419-acre campus also plans to replace seven acres of intramural fields with artificial turf, which will save an additional 6.4 million gallons annually.

It used to be that when lawns turned brown, complaints would follow. Now, an overly lush lawn invites questions, Katz said.

What’s tricky, Katz said, is that a lot green space is used for events or as respite for faculty, students and staff and can’t easily be replaced. The aesthetics of a campus, what draws students and their parents, is still that of verdant green — more an East Coast ideal than West Coast climate reality. But those attitudes too are changing.

Sidhaant Shah, 22, a chemical engineering and environmental science major, is among a group of students conducting environmental research on campus, such as how landscaping changes biodiversity.

When I first came to California a few years ago, there was a lot more green grass and snow, Shah said. In class, we see data showing the changes and then you see it in nature and you realize, yes, it’s getting worse.


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We at Simjack.com are continuously adding new items to our product line! Note that while our inventory is not the largest, we personally evaluate every product that we offer. From our exclusive Secure Hood Lock for Jeep Wranglers/ CJ’s to the CarGard and Lok-Itt Column Lock, we test each item to be sure that we are satisfied with its design and functionality before offering it to our customers. Tour our web site and you will find plenty of information along with pictures of each of the items that we carry. Our focus is to produce and deliver high quality, unique products that will help protect your vehicle. While the Secure Hood Lock has been designed specifically with the Jeep Wrangler/CJ in mind, our other products fit a variety of different vehicles. Not sure about a particular application for your vehicle? Send us an email. You will find an email shortcut to us on almost every page. We answer numerous customer inquires each day.
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Update History
5-01-2003: CarGard vehicle application chart added
5-14-2003: Added 3 new images of the Secure Hood Lock. These images provide greater detail and provide product specifications. (See bottom of this page for a list of updates)
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For information on placing an order, click on our Customer Order Form
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Homeowners Insurance

Your home is where you hang your hat, where your family sleeps, and where you keep your valuable and meaningful belongings. When it comes to protecting your investments, there are few things more important than insuring your home.

That’s because Homeowners insurance can help you:

  • Cover your property and possessions if they’re damaged or destroyed by a covered loss.
  • Protect your assets if you’re sued for your alleged negligence that caused an accidental resulting in property damage or injury to another.
  • To know you’re covered the way you want, it’s important to know how much coverage you want, and which coverage options are available to you.

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    Video: Learn the Basics Insuring your house? Find out what’s covered and what’s important to know when it comes to protecting your property

    Things to think about when choosing Homeowners coverage

    To help you find the homeowners insurance you want, take into account the:

    Value of your home

    What would it take to rebuild your home at today’s prices?

    Keep in mind, the price you paid for your home is not necessarily what it will cost to rebuild it. For example, the cost of your home may have included the value of the land. When insuring your home though, consider what it would cost to replace or rebuild the house itself. Talk to a Farmers agent, who can work with you to estimate the reconstruction cost of your home. You can also ask a reputable contractor about local building costs.

    Value of unique or expensive items

    Do you have fine art, jewelry, or coins? How about a wedding or engagement ring?

    Homeowners insurance covers these valuable items up to the amount listed in the policy, but this may not be enough to fully cover valuable or unique items. Talk to your Farmers agent about adding Personal Article Floaters to your policy. Floaters provide increased limits and/or additional coverage for specific valuable and unique items, so you can cover them the way you want.

    Value of your liability coverage

    If you were to be sued because of an accident or injury for which you were legally responsible, would your financial assets be at risk?

    Life happens, and at some point you could be responsible, or liable, for injuries, accidents, and damages that happen on your property or anywhere else, for that matter. You can protect your assets against claims and lawsuits with liability coverage available on your homeowners policy.

    Value of your personal property

    It’s difficult to know exactly how many things you own, and how much your personal possessions are really worth until you do a full home inventory. That means going room to room, making a list, and taking pictures of what you have (include as much detail as possible). With a better idea of the value of your personal property, you can more accurately choose the coverage you want to replace your items in the event of a covered loss. With some limited exceptions, a Farmers Homeowners policy will usually cover your personal property anywhere in the world, for the limits stated in your policy.


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    Call 0409 747 978

    Infinity Auto Protection is a dynamic company that was formed to lead the way in the automotive finishing industry, and fill the void left by other products that fall short of their promise of protection and longevity! Initially created to be a provider of paint, vinyl and fabric protection, the company evolved to become a deliverable for end to end services and products.

    Our aim is to serve the dealer networks as well as detailers and other retail outlets reaching new cars and used cars alike. The products and services are world class quality and are currently unmatched in the industry for ease of application, lifespan and cost. What this means for the dealer networks and our affiliates is that they will experience improvements in their bottom line from day one as well as fewer vehicle returns. For our retail chains it means they have a quality product to channel and for our detailers ease of application.

    The end goal of our corporation is to form relationships and affiliations within the industry that will transform the way vehicles are presented and maintained. To achieve this, we will maintain world class products and services and initiatives that will be strategic in the success of our affiliation network and customers.

    Certainly not limited to cars, all products within our range can be applied to cars, bikes, boats, caravans and trucks alike. The protective nature of our finishes will withstand the effects of marine elements as much as it will road grime and tar. Our existing clients include the airline industry also where the product has provided cost savings by way of reduced costs as well as fuel efficiency.

    The Infinity Paint Protection product not only delivers the longevity and protection it promises but also delivers as a by product, a mirror finish that provides ultimate clarity of reflection. Our product is 22 century technology, right here right now and is available to you either directly from us, through our dealership network or through our retail points of presence (including this web site).

    Many of our customers have seen great benefits in having our products applied to their car, boat or plane. Read their testimonials and then try it for yourself.

    Do you need a product which cleans and shines your car, without needing water?

    Glare Sahara Waterless Wash Detail is here to help!

    Sahara Waterless Wash Detail is unique – no other liquid glass product on the market may be applied without water, a commodity which is so scarce nowadays. Originally designed for our international customers who live in some of the most arid regions of the globe, Australians too can now take advantage of this outstanding product.

    This waterless wash formula provides a safe, high quality, non-scratch solution to washing and detailing your vehicle, that is easy to apply and results in rock-hard protection and ultimate shine.

    It is impervious to harsh contaminants, protects against harmful UV rays and will block out corrosion and oxidation.

    Glare Sahara not only dissolves away dirt and grime safely, it will infuse the painted surface with molecularly bonding Glassplexin which outshines, out-protects and outperforms any other waterless wash in the world, whether professionally applied or purchased from a retailer.

    For more details and pictures please visit our new Waterless Wash website, www.waterlesswash.net.au

    DISTRIBUTORS/Link Partners WANTED AUSTRALIA WIDE and NEW ZEALAND

    Always insist on your full aftercare kit and written INFINITY Warrantyif carried out by AUTHORISED Applicator.


    Winnipeg used car dealer fined $5, 000 under Manitoba Consumer Protection Act #advance #auto #coupons


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    Winnipeg used car dealer fined $5,000 under Manitoba Consumer Protection Act CBC Friday, November 27, 2015

    Auto Gallery of Winnipeg has been fined $5,000 for running the finance price before the cash price in online advertisements for vehicles, Gord Pedersen, one of the company’s owners, told CBC.

    For example, if the vehicle was selling for $20,000, Auto Gallery would also list it as $19,000 because the customer got $1,000 off for financing it through them. In the online ads, the lower price appeared first.

    Consumer protection … in June started asking dealers when they run their ads to run the cash price first, he said.

    We clearly had both stated [but] we had the finance price first instead of the cash price first.

    On Friday, the Manitoba Consumer Protection Office issued a press release that said Auto Gallery of Winnipeg received the fine for including special deductions or circumstances in advertisements for their vehicles.

    Provisions in Manitoba’s Consumer Protection Act protect consumers in a variety of ways, including protection from false advertising and misleading pricing practices when purchasing a motor vehicle, a news release issued by the province on Friday states.

    The law states that vehicle sales ads must indicate the total cash price of a vehicle, including all additional charges except for the retail sales tax and the federal goods and services tax.

    A penalty of $5,000 is issued for a company’s first contravention of the act, the news release states.

    On Friday afternoon Pedersen said the business is in the process of appealing the penalty.

    We were working with consumer protection to change the advertising to what they wanted but there hadn’t been a definitive timeline placed on it, he said.

    It looks like we hit the end of the timeline prior to finishing the advertising changes.

    Pedersen reiterated that Auto Gallery of Winnipeg has received zero complaints in the past, and that the company’s advertising is very straight up.

    The Consumer Protection [office] is definitely there for the consumer, but we had been there, too, he said.

    The Consumer Protection Office encourages Manitobans to learn about their rights under the law, which they can do by calling the office at 204-945-3800 in Winnipeg, toll free in Manitoba at 1-800-782-0067 or by visiting its website here.


    Fraud Protection #credit #card #fraud #protection #for #merchants


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    Fraud Protection

    Identity theft is a serious concern for credit card users, but with Farmers and Merchants State Bank fraud monitoring, you enjoy unparalleled protection. The built-in protections of your card keep your identity safe in a variety of ways.

    Farmers and Merchants State Bank has a variety of protections for your account

    • Fraud Monitoring
      We monitor your account 24/7/365, and if we suspect fraudulent activity on your credit card, we notify you immediately.
    • Zero Liability
      With Visa* and MasterCard’s** Zero Liability program, you are not liable for unauthorized transactions.

    Signs That You May Be a Victim of Identity Theft:

    • An expected credit card hasn’t arrived in the mail
    • You hear from credit collectors about debts you don’t know about
    • There are unauthorized purchases on your billing statements

    Actions You Should Take Immediately

    • File a complaint with the Federal Trade Commission (FTC) at 877-ID-THEFT (877-438-4338) or www.consumer.gov/idtheft. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations.
    • Contact the fraud department of the three major credit bureaus to place a fraud alert on your credit file. This alert will request that creditors contact you before opening any new accounts under your name. Once the credit bureau confirms your alert, all three will send you a credit report free of charge. The alert will remain on your account from 90-180 days. www.equifax.com www.experian.com www.transunion.com
    • File a police report. Get a copy of this report so that you can dispute unauthorized charges and use for any insurance claims.
    • Close any accounts that may have been compromised or opened fraudulently. This list of accounts may include: bank accounts, credit cards, retail cards, phone companies, utilities, and other service providers. Dispute any unauthorized charges. The FTC website provides many helpful resources, including a sample dispute letter and a form affidavit which can be used if a sworn statement is needed by any creditors.

    How To Protect Yourself In The Future

    • Travel Lightly
      • Minimize your risk for identity theft; do not carry more than you need in your purse or wallet
    • Request Credit Reports Annually
      • Make sure no accounts have been opened without your permission
      • Close any accounts that you no longer use
    • Be Cautious with Personal Information
      • Do not give personal information over the telephone if you do not know the caller
      • Keep your Social Security number private
    • Protect Your Identity Online
    • Make certain that websites are secure and protect your data from identity theft
    • Look for sites that use “Secure Socket Layer” (SSL) technology to encrypt information – you can check for security by looking for a small lock symbol in the lower corner of your web browser window
    • Look for sites whose addresses begin with https:// – the “s” means the connection is secure

    *Visa’s Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security

    **Zero Liability does not apply to MasterCard-branded cards issued: to an entity other than a natural person; primarily for business, commercial, or agricultural purposes; outside of the U.S. region; or if a PIN is used as the cardholder verification method for the unauthorized transaction(s).

    Visa and Mastercard Zero Liability Program does not apply to the Sheetz Personal Credit Card.