DID YOU KNOW?

发信人: powergw (powergw), 信区: Automobile
标  题: DID YOU KNOW?-本田HONDA知识系列(16)
发信站: BBS 未名空间站 (Sat Mar 28 01:19:45 2015, 美东)

Did you know?

你知道吗？

本田旗下的本田金融是第一家由于歧视性贷款定价导致被起诉的车企拥有的银行

据英国路透社12月3日报道，美国执法机构正准备以歧视性贷款定价为由控告本田汽车
美国金融分支机构——本田美国金融公司，该公司可能因此遭到罚款。
　　据美国证券交易委员会与本田美国金融公司共同发布的文件显示，由于该金融公司
涉嫌向部分借贷者收取更高的利率，形成了贷款价格歧视，美国司法部及消费者金融保
护局已经批准对该公司提起执法诉讼。
　　除了要求本田美国金融公司修改相关定价政策及行为外，美国执法机构还将对该公
司进行罚款或向其索要消费者救济(consumer relief)。但如果该公司愿意与之达成和
解协议，美国执法机构将推迟执行该诉讼。该公司则在文件中表示，正积极配合执法机
构以寻求双方都同意的解决方案。

案件最后结果

Honda Motor Co.'s U.S. finance arm and three major U.S. banks have agreed to
settle class-action lawsuits filed by black customers who accused them of
racial bias in automobile lending practices.

The suits alleged that the companies' policies allowed car dealers to charge
thousands of black customers more interest on auto loans than was charged
to whites with similar financial histories. The interest was in the form of
a dealer-added "markup" to the basic interest rate. Most states allow such
markups for loans originated by a dealership, as long as they're applied
evenly.

A spokesman for Torrance-based American Honda Motor Co. said the company "
disagrees with the allegations" in the suit but would not comment further.

American Honda Finance Co. was originally sued in Alameda Superior Court in
Northern California in 2003. That lawsuit was later consolidated into a
federal class action being heard in U.S. District Court in Nashville.

The lawsuit against Honda claims that black buyers paid on average an extra
$1,000 in interest markups while white customers with similar financial
histories paid less than $500 extra.

The proposed settlements by American Honda Finance, Bank One, Bank of
America Corp. and U.S. Bancorp are scheduled to be finalized Feb. 22.

The settlements call for the lenders to set tighter caps on how much car
dealers can increase interest charges on car loans and to collectively offer
loans without any markups to 2.4 million minority borrowers.

Under the settlement, American Honda Finance tentatively agreed to offer
markup-free loans to 625,000 minority customers. The lending firm, which had
allowed Honda dealers to add markups as high as 3.5% of the loan value,
also agreed to impose a 2.25% markup cap on loans of up to 60 months and a 2
% cap on loans of more than 60 months.

"We are pleased we reached the agreement, and we think the settlement will
contribute to more consistent practices in the industry," said Bank of
America spokeswoman Shirley Norton in San Francisco.

Nissan Motor Acceptance Corp., the Torrance-based lending arm for Nissan
Motor Co., settled a similar suit 2003, as did General Motors Acceptance
Corp. A similar suit against Torrance-based Toyota Motor Credit Corp.,
lending arm for Toyota Motor Corp., is still pending.

*

Times wire services were used in compiling this report.

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