Consider the story of Army Specialist Matthew Garcia, a 25 year old service member that bought a used car, agreeing to pay 19.9% interest on the car loan. He drove off with the car. Later, the dealer called him and said the deal fell through, he had to make other financing arrangements. Specialist Garcia brought the car back and demanded return of his $1,500 down payment. The dealer refused. Specialist Garcia had to fight to get his money back. See more about this story in the article written by Gary Rivlin in the New York Times, May 11, 2010, available online at http://www.nytimes.com/2010/05/12/business/12dealers.html?th&emc=th. This scenario is known in the consumer protection industry as a YoYo deal. Others call it “bait and switch financing.” It is an unfair and in many cases deceptive act or practice designed to force car buyers into higher financing—meaning increased profits for the dealer and/or its financing company. Even where the dealer doesn’t hold the financing itself, it may get a kick back or commission of some sort for arranging the financing. Sometimes the amount the dealer gets depends on the difference between some set percentage and the percentage the dealer ultimately gets the consumer to pay.