How do dealerships pull off the yoyo financing or spot delivery scam, and how can my business protect itself legally?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do dealerships pull off the yoyo financing or spot delivery scam, and how can my business protect itself legally?
4 real searches · 1 real-search pass
FTC yo-yo financing spot delivery auto dealer consumer advice conditional financingGoogle ↗
OBSERVEDYes / no
California DMV dealer spot delivery conditional sale financing contract regulations yo yo financingGoogle ↗
OBSERVEDOther / navigational
California Vehicle Code retail installment sale conditional delivery dealer financing cancellation contractGoogle ↗
OBSERVEDComparison
CFPB auto dealer yo-yo financing deceptive practices enforcementGoogle ↗
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 (4)
Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
FTC yo-yo financing spot delivery auto dealer consumer advice conditional financing Google ↗
California DMV dealer spot delivery conditional sale financing contract regulations yo yo financing Google ↗
California Vehicle Code retail installment sale conditional delivery dealer financing cancellation contract Google ↗
CFPB auto dealer yo-yo financing deceptive practices enforcement Google ↗
- Deal or no deal? FTC challenges yo-yo financing tactics · ftc.gov
- Avoiding a Yo-yo Financing Scam · ftc.gov
- 6.030 Key Dealer Requirements Under the CARs Act (CCC §§1784.20-23, 1784.28, 1784.30-31, 1784.40-44 VC §§11705 and 11713) · dmv.ca.gov
- Bill Text: CA SB766 | 2025-2026 | Regular Session | Enrolled · legiscan.com
- California Consumer Watchdog Agency Applauds CARS Act Going into Effect, Delivering Strongest Car-Buying Protections in the Nation · bcsa.ca.gov
- Federal Register, Volume 89 Issue 3 (Thursday, January 4, 2024) · govinfo.gov
- reginfo.gov · reginfo.gov
- Revision of the Negative Option Rule, Withdrawal of the CARS Rule, Removal of the Non-Compete Rule To Conform These Rules to Federal Court Decisions · thefederalregister.org
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FTC yo-yo financing spot delivery auto dealer consumer advice conditional financing OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
California DMV dealer spot delivery conditional sale financing contract regulations yo yo financing OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
California Vehicle Code retail installment sale conditional delivery dealer financing cancellation contract OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
CFPB auto dealer yo-yo financing deceptive practices enforcement OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |