The staff of the Federal Trade Commission has provided the Consumer Financial Protection Bureau an annual summary of its enforcement and related activities on the Equal Credit Opportunity Act (ECOA).

Cases involving car dealerships were highlighted in the report, including:

• a case against an auto dealership group—Rhinelander—that charged the dealership and its current and prior owners violated ECOA by discriminating against American Indian consumers with respect to interest rate markups and illegal junk fees.
• refund distributions in two other cases against auto dealership groups—Napleton Auto and Passport Auto.

The FTC is responsible for ECOA enforcement and education regarding most non-bank financial service providers. In its summary, FTC staff describes the commission’s work on ECOA-related issues, including activities addressed in enforcement, research, and policy development.