Disparate Impact

The Consumer Financial Protection Bureau, or “CFPB” takes a dim view of dealers participating in the revenue that flows from financing vehicle purchases. This practice, known as dealer reserve, mark-up, or participation, is the amount added to the wholesale cost of credit that finance sources extend to dealers, known as the “buy rate.” This lesson is designed to give you an understanding of Disparate Impact in automotive finance as defined by the CFPB.

  • Understanding Disparate Treatment

  • Disparate Impact and Auto Finance

  • Implementing a Fair Credit Policy

  • Deployable online with Mosaic's LMS

  • Track and retain employee completions

  • SCORM Compliant version available

  • Text summary

  • English closed captions

Lesson Stats

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Quiz Questions


Estimated Time

to Complete

10 minutes