次级车贷商Credit Acceptance达成6.94亿美元和解：41州指其明知借款人无力偿还仍放贷
弗吉尼亚州检察长杰伊·琼斯（Jay Jones）宣布，次级汽车贷款商Credit Acceptance Corporation与弗吉尼亚州及另外40个州的检察长达成总额6.94亿美元的和解，形式包括现金支付与债务减免。
各州指控，Credit Acceptance在发放汽车贷款时，明知或应当知道许多消费者无力偿还，仍促成贷款，导致借款人陷入逾期、车辆被收回与信用受损。和解将为受影响消费者提供赔偿与债务减免。
按和解安排，弗吉尼亚州消费者将获得200多万美元赔偿，并得到1700多万美元的债务减免。
除金钱条款外，和解还设有行为禁令条款：该公司须更清楚地披露贷款风险；对某些高风险贷款的借款人提供结果方面的保护；并防范经销商在贷款中捆绑搭售车辆服务合同、GAP缺口保险等附加产品（业内称「打包」，packing）的行为。
检察长办公室提醒消费者，签订汽车贷款合同前应核对利率、期限、月供总额与附加产品明细，对不理解的收费项目有权要求经销商逐项解释并拒绝不需要的附加产品。
Subprime Auto Lender Credit Acceptance to Pay $694 Million in 41-State Settlement Over Loans Borrowers Could Not Afford
Virginia Attorney General Jay Jones announced that subprime auto lender Credit Acceptance Corporation has agreed to a $694 million settlement, in cash and debt relief, with Virginia and 40 other state attorneys general.
The states alleged that Credit Acceptance originated auto loans it knew, or should have known, many consumers could not afford, leaving borrowers facing delinquencies, repossessions and damaged credit. The settlement provides restitution and debt relief to affected consumers.
Under the agreement, Virginia consumers will receive more than $2 million in restitution and more than $17 million in debt relief.
Beyond the money, the settlement imposes injunctive terms: the company must disclose loan risks more clearly, provide protections against bad outcomes for borrowers on certain risky loans, and guard against dealer 'packing' of add-on products such as vehicle service contracts and GAP coverage into loans.
The attorney general's office reminded consumers to review the interest rate, term, total monthly obligation and add-on charges before signing an auto loan, and to ask dealers to explain each fee and decline unwanted add-ons.
来源：GSM·美国（原文链接）
图片来源：二手车销售场（资料图）。CC BY 2.0，经 Wikimedia Commons。 / A used-car sales lot (file photo). CC BY 2.0, via Wikimedia Commons.
