What protections do I have under the Truth in Lending Act if a dealership tries to pad the interest rate on my auto loan above the pre-approved bank offer?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What protections do I have under the Truth in Lending Act if a dealership tries to pad the interest rate on my auto loan above the pre-approved bank offer?
3 real searches · 1 real-search pass
Truth in Lending Act auto dealer interest rate markup APR disclosure dealer reserve FTC CFPB officialGoogle ↗
OBSERVEDReason
CFPB auto loan dealer markup discrimination fair lending official dealer reserveGoogle ↗
OBSERVEDReason
Regulation Z creditor auto dealer TILA disclosures APR finance charge officialGoogle ↗
OBSERVEDReason
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Truth in Lending Act auto dealer interest rate markup APR disclosure dealer reserve FTC CFPB official Google ↗
CFPB auto loan dealer markup discrimination fair lending official dealer reserve Google ↗
Regulation Z creditor auto dealer TILA disclosures APR finance charge official Google ↗
- Compendium of Recent FTC Policy Statements, Advisory Opinions, and Final Rules · ftc.gov
- Financing or Leasing a Car · consumer.ftc.gov
- What is a Truth-in-Lending disclosure for an auto loan? · consumerfinance.gov
- Consumer Financial Protection Bureau (CFPB) · consumerfinance.gov
- Federal Trade Commission (FTC) · reportfraud.ftc.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Truth in Lending Act auto dealer interest rate markup APR disclosure dealer reserve FTC CFPB official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB auto loan dealer markup discrimination fair lending official dealer reserve OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Regulation Z creditor auto dealer TILA disclosures APR finance charge official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |