AGs Say Used Car Rule Needs a Tune-Up
Forty-two attorneys general are seeking a tune-up for the federal "Used Car Rule." They are asking the Federal Trade Commission to add additional disclosures about a vehicle's history to the "Buyer's Guide" notice displayed on cars available for purchase from dealers.
SEATTLE – Forty-two attorneys general are seeking a tune-up for the federal "Used Car Rule." They are asking the Federal Trade Commission to add additional disclosures about a vehicle's history to the "Buyer’s Guide" notice displayed on cars available for purchase from dealers.
"Laws are like cars, they need regular maintenance to make sure they're operating effectively," Attorney General Rob McKenna said. "The federal 'Used Car Rule' is rusty and needs tuning to perform properly for consumers."
The current Used Car Rule requires that Buyer's Guide notices be posted on used vehicles offered for sale at dealerships. The notices indicate whether a car is covered by a warranty or sold "as-is."
But the law doesn't require additional information about a vehicle's history to be printed on the guide, such as whether cars have been assigned titles that would indicate damage from a flood or crash or if the car was repurchased by a manufacturer under a state's Lemon Law.
A Washington state law requires dealers to disclose a vehicle’s history – but only if the buyer requests this additional information.
"Nothing diminishes the market value of a used vehicle more than detrimental history," the attorneys general stated in their comments. Damaged vehicles may also pose safety hazards, they added.
Amending the Buyer's Guide to require prior-damage information would help prevent fraud and omissions of material fact, they said, noting that Wisconsin already requires such information to be disclosed on its Buyer’s Guide and the FTC approved the regulation.
"There simply is no excuse for the national Buyer's Guide to fail to include vehicle history and title brand information," the AGs wrote. "That information is readily available to dealers through private data sources and through title records accompanying vehicle they purchase at auction or take in trade ... If Wisconsin dealers are required and can determine facts sufficient to make that disclosure, so too should dealers in the rest of the nation."
The comments to the FTC were written by Iowa's attorney general and signed by the following attorneys general: Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Dakota, the District of Columbia and the Northern Mariana Islands. They also incorporate comments from the International Association of Lemon Law Administrators.
More F&I

Integrating Nontraditional F&I Products
The niche presents a strategic advantage for auto dealerships as they move to adapt to fast-changing consumer expectations in today’s market.
Read More →
Trust Is Personal
Technology, no matter how efficient, can’t replace what the human F&I manager can do, which is to bridge the divide between cyberspace and the in-store experience.
Read More →
Amplify 2026 Billed as Turning Innovation Into Results
Reynolds and Reynolds says its annual retail summit will connect dealers with practical strategies, peer insight, and technology-driven ideas.
Read More →
Own Your Outcome: F&I in the Digital Customer Journey
Finance has historically been the last step in the car-buying process, but it doesn’t have to be. The customer’s journey starts long before they arrive at the dealership, and so should F&I’s involvement.
Read More →
Tariffs Could Raise Insurance Premiums
As U.S. import tariffs affect repair costs, consumers might find it more affordable to replace a damaged vehicle, according to recent Insurify tariff analysis.
Read More →
Smaller Loans, Longer Terms
The youngest generation of car buyers is more likely to finance less expensive vehicles, more than half of generation Z consumers borrowing less than $25,000.
Read More →
New Lifetime Battery F&I Product Meant to Drive Dealer Traffic
EFG Cos. offering is intended to create lifetime auto dealer engagement with customers.
Read More →
The Psychology Behind Menus That Increase Add-On Sales
There is a science to crafting a menu that gives customers confidence in the choices presented, and moving the process outside the F&I office can further boost results.
Read More →
Why Your F&I PVR Is Misleading You
Here’s a handy checklist of the numbers to track in 2026 instead.
Read More →
Auto Consumer Anxiety Presents Opportunity
A survey of U.S. drivers found the majority are concerned about finances and the economy, but those fears make many ready to buy vehicle-protection products.
Read More →