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HR 2309

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Bill HR 2309 is working its way through congress. It has some provisions that would force the FTC to adopt and follow. The first one is spot deliveries. It would end the practice of dealerships having customers sign loan documents and drive off with a car before the loan was actually approved by an FI. The second provision would set an amount a bank could pay a dealership for a loan. Limiting flat reserves and having maximum mark up limits. What are your thoughts on this? It seems to make sense to me. As a lender I cringe ever time a dealer calls me on a Monday and tells me they spotted a car on Saturday that we denied on Monday

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