Can a car dealer in St Louis legally charge me a higher interest rate than what my bank pre approved me for?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can a car dealer in St Louis legally charge me a higher interest rate than what my bank pre approved me for?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
Missouri law motor vehicle dealer financing interest rate markup dealer reserve disclosure consumer law 2026 Google ↗
CFPB auto dealer interest rate markup legal dealer reserve ECOA fair lending disclosure Truth in Lending Google ↗
- What is a Truth-in-Lending disclosure for an auto loan? · consumerfinance.gov
- Missouri Revisor of Statutes - Revised Statutes of Missouri, RSMo Section 301.567 · revisor.mo.gov
- Bulletin re: indirect auto lending and compliance with the Equal Credit Opportunity Act · consumerfinance.gov
- Motor Vehicle Time Sales · finance.mo.gov
- Missouri Revisor of Statutes · revisor.mo.gov
- Missouri Attorney General · ago.mo.gov
- CFPB · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Missouri law motor vehicle dealer financing interest rate markup dealer reserve disclosure consumer law 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB auto dealer interest rate markup legal dealer reserve ECOA fair lending disclosure Truth in Lending OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |