What is the proper method to audit a retail installment sale contract for negative amortization clauses and unauthorized dealer markups on the base interest rate buy-rate?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the proper method to audit a retail installment sale contract for negative amortization clauses and unauthorized dealer markups on the base interest rate buy-rate?
3 real searches · 1 real-search pass
CFPB auto loan dealer markup buy rate discretionary markup fair lending guidance officialGoogle ↗
OBSERVEDReason
CFPB negative amortization loan payments interest principal explanation officialGoogle ↗
OBSERVEDReason
Texas OCCC motor vehicle retail installment contract dealer rate markup law finance chargeGoogle ↗
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
CFPB auto loan dealer markup buy rate discretionary markup fair lending guidance official Google ↗
CFPB negative amortization loan payments interest principal explanation official Google ↗
Texas OCCC motor vehicle retail installment contract dealer rate markup law finance charge Google ↗
- What is negative amortization? · consumerfinance.gov
- What is a buy rate for an auto loan? · consumerfinance.gov
- Microsoft Word - 2013 03 20 · files.consumerfinance.gov
- FINANCE CODE CHAPTER 348. MOTOR VEHICLE INSTALLMENT SALES · tcss.legis.texas.gov
- Current Motor Vehicle Rate Chart · occc.texas.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB auto loan dealer markup buy rate discretionary markup fair lending guidance official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB negative amortization loan payments interest principal explanation official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Texas OCCC motor vehicle retail installment contract dealer rate markup law finance charge OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |