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Wednesday, October 01, 2014

Manufacturer of Device That Prevents Cars From Starting When Consumers Miss Payment Claims Thousands of Car Buyers Thank Them for Getting Cars at Lower Rates

by Jeff Sovern

Last week, Brian posted a link to a NY Times story about the use of devices that auto lenders can activate to prevent a car from starting when a consumer has defaulted on a payment.  In response, BHPH Report (BHPH evidently stands for "Buy Here, Pay Here") ran a piece titled PassTime Refutes Shut-Off Allegations Made in New York Times Story.  PassTime was described in the Times story as a leading manufacturer of the devices.  PassTime is quoted in the BHPH story as follows:

“During that time, thousands of car buyers have personally called the PassTime customer service line to thank us for helping them get car financing for a better vehicle at lower rates that they otherwise would have had access to without the device,” the company said.

It would be interesting to see the documentation for that claim.

Posted by Jeff Sovern on Wednesday, October 01, 2014 at 09:09 AM in Auto Issues | Permalink | Comments (0)

More on information law and policy from Margaret Kwoka

Law professor Margaret Kwoka has been writing a lot on freedom of information. Read her new article called Leaking and Legitimacy. Here is the abstract:

Julian Assange, Chelsea Manning, and Edward Snowden have captured the world’s attention in recent years by leaking massive quantities of secret government information. In each case, critics have made much of the fact that the leaks were in violation of government secrecy laws, while supporters have drawn parallels with whistleblower leaks, including the most famous and now widely acclaimed leak in United States history, Daniel Ellsberg’s release of the Pentagon Papers. This Article makes two important contributions to this debate. First, it defines recent leaks as a new type of leak — the deluge leak. Unlike whistleblower leaks, which expose a targeted government policy about which a knowledgeable leaker is concerned (in Ellsberg’s case, military involvement in Vietnam), deluge leaks are a broad response to excessive government secrecy insofar as they reveal a vast array of records about which the leaker knows relatively little. Second, departing from traditional criminal law and First Amendment analyses of these leaks, this Article examines deluge leaks through the lens of the social science literature on legitimacy. That literature establishes that a perceived lack of procedural justice is a key reason that people break the law. Currently, deficient procedural justice characterizes the suite of laws that govern the public’s right to access government information, including the Freedom of Information Act, the classification system, and whistleblower protections. This lack of legitimacy is an important motivation for deluge leaks, as the leakers’ own actions and words demonstrate. The Article concludes by arguing, counterintuitively, that improving transparency laws would better protect national security secrets.

Posted by Brian Wolfman on Wednesday, October 01, 2014 at 03:01 AM | Permalink | Comments (1)

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