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City Washington / DC / Chester / Allen / / Company Experian / TransUnion Corporation / / Currency USD / / Event M&A / / IndustryTerm longer-term finance contract / retail lease contracts / finance rates / Compare bank / insurance expenses / finance rate / finance charges / bank / finance sources / insurance / reduced finance rates / credit insurance / shorter-term finance contract / transportation needs / higher finance charges / monthly finance payments / finance / finance contract / agreed-upon finance charge / car insurance / Actual finance terms / / Organization Federal Trade Commission Washington / DC / US Federal Reserve / Federal Reserve Board / Federal Trade Commission / Publications Services Board of Governors of the Federal Reserve System Mail Stop / / / Position F&I Department manager / Attorney General / dealer / / ProgrammingLanguage DC / / ProvinceOrState Pennsylvania / Texas / / URL www.ftc.gov / www.transunion.com / www.naag.org / www.experian.com / www.annualcreditreport.com / www.nada.org / www.equifax.com / www.ftc.gov/bcp/conline/pubs/credit/fcrasumary.pdf / www.afsaef.org / www.federalreserve.gov / www.federalreserve.gov/pubs/leasing / / SocialTag 
W ith prices averaging more than $28,000 for a new vehicle and $15,000 for a used vehicle, most consumers need financing or leasing to acquire a vehicle. In some cases, buyers use “direct lending:” they obtain a loa