Consumers for
Reliability and
Safety ®

Letters to the Editor

The Sacramento Bee
August 6, 2014
Re "Subprime auto loans go down road to ruin" (Editorial, Aug. 2):

"Thanks to the Bee for zeroing in on subprime auto lending. We hear from victims of predatory auto lenders, often very hardworking people who are struggling to stay afloat.

Shady car dealers are selling them overpriced junkers at exorbitant interest rates. Sometimes the cars break down within days. When the consumer can't afford the expensive repairs, the car is repossessed. Then they lose their only way to get to work, and their job. Plus their credit is ruined for the next seven years.

Their biggest mistake -- getting financing from a car dealer. Congress gave dealers a special exemption, so the Consumer Financial Protection Bureau can't police them. But to its credit, the CFPB is doing what it can, by policing the auto lenders who do business with dealers. So now the dealers are attacking the CFPB."

-- Rosemary Shahan
Consumers for Auto Reliability and Safety

Sacramento Bee editorial: "Subprime auto loans go down road to ruin"


Automotive News
August 18, 2008
"The editorial 'End vehicle title washing' (June 30) called for Congress to pass legislation to require insurance companies to disclose all total-loss vehicles. But Congress already passed that legislation in 1992. The Anti-Car Theft Act required the U.S. Department of Transportation to issue rules to require insurers to fork over the data on totaled autos.

But for four years, DOT sat on its hands. Then in 1996, Congress shifted responsibility to the U.S. Department of Justice, which has finally sent draft rules to the Office of Management and Budget. The Office of Management and Budget has just completed its review process and has sent the rules back to the Department of Justice. The next step will be for Justice to issue a notice of proposed rulemaking for public comment.

We don't need a new law. A new law would only slow things down. What we need is for the long-overdue rules to be issued and take effect. Then insurers, salvage pools and junkyards will have to report on totaled vehicles and provide updated data every 30 days. The existing law also requires that the data be made available to the public at cost.

Once a vehicle is listed in the national database of totaled vehicles, the incentive to engage in title washing will greatly diminish. Even counterfeiting a clean title won't alter the fact that anyone with access to a computer can find out a vehicle's checkered past.

Instead of calling for new legislation, Automotive News should be calling on Congress to ensure that the Department of Justice has the funding it needs to do the job right." --

Rosemary Shahan
Consumers for Auto Reliability and Safety
Sacramento, CA


The Wall Street Journal
November 14, 2007
"Americans should not have to waive their Seventh Amendment right to a jury in order to enter a nursing home, receive medical care, accept a job or buy a home... For corporations, imposing pre-dispute, binding mandatory arbitration is profitable. But for consumers, it is a pernicious business, and one that should be outlawed."

Read more: TortDeform: Wall Street Journal Readers Trash Op-Ed


text resize Decrease Font Size Increase Font Size

C.A.R.S. Mission
CARS is a national, award-winning,
non-profit auto safety and consumer
advocacy organization working to
save lives, prevent injuries, and
protect consumers from
auto-related fraud and abuse.

to everyone who has supported CARS' work, including the more than 573,500 people who have contributed financially to CARS, signed or shared CARS' petitions, and / or posted personal comments.

Read more here

Find us on Facebook   Join us on Facebook
Please Like us on Facebook  
Follow us on Twitter    Follow us on Twitter

Buyer Beware: CarMax sells cars with killer safety defects.
Advertises cars passed "rigorous inspection" and qualify as "CarMax Quality Certified" without getting safety recall defects fixed.

Find us on Facebook
Learn more
about the
CARS Foundation
Follow us on Twitter
Help tell the
world that
We DO Count!
Follow us on Twitter
Visit today!

Take Action

Join our campaign on Facebook!
Take Action
Sign CARS' petition: Tell CarMax to stop selling unsafe, recalled cars to consumers
Buyer beware!  
NEVER trust that a dealer will have the safety recall repairs performed before selling you a car that is being recalled. Dealers are so eager to make a buck, fast, they are unwilling to delay sales long enough to get the safety recall repairs done -- for FREE.

Plus -- dealers are actively opposing legislation in Washington, DC and in California that would prohibit them from renting, selling, leasing, or loaning unsafe, recalled vehicles to consumers, unless the safety recall repairs have been performed first.

CARS' tips on how to buy a safe, reliable used car — without having to risk going to a dealer:

Top 12 used car buying tips

Dealers playing "used car roulette" with customers' lives — and opposing legislation to make them stop

Did a dealer sell you an unsafe, recalled car? We want to hear your story. Contact CARS

Buyer Beware! Auto dealers' one-
sided contracts can ruin your life
Even if the car dealer breaks the law, you might not be able to get justice. Forced arbitration clauses hidden in the fine print can keep you tied up for years. The dealer often gets to pick the arbitrator who hears your case. CARS exposed how a dealer abused arbitration, after selling Jon Perz an unsafe car. CARS' video has received over 1.3 million views on YouTube. Jon and his attorney eventually won, but because of forced arbitration, Jon had to wait 8 years for justice:
Think this is outrageous? Call your member of Congress at 202-224-3121, and urge them to vote for the Arbitration Fairness Act. More about the AFA, now pending before Congress:
Here's what we're doing to bring
more attention to Jon's plight:
Used Car Nightmare logo

Jon Perz has started a new petition
on the website
You're invited to check it out and send a message letting Mossy Toyota know what you think:
used car nightmare petition

Please Donate to CARS