Scored 9/10 on whether it helps or hurts everyday people.
The Reveal Hidden Bill
New York wants car dealers to reveal hidden finance fees
Requires motor vehicle dealers to disclose price markups to the purchasers of motor vehicles; provides failure to so disclose shall be grounds for revocation of the dealer's registration and imposes civil liability to purchasers for damages; authorizes the financial frauds and consumer protection unit of the department of financial services to study problematic practices in the price markups of motor vehicle dealers.
Good for everyday people ·
This bill would force car dealers to tell you if they are secretly marking up your car loan, and it lets you sue them if they hide it.
Our take
What we think, in plain words.
Car dealers sometimes make extra money by secretly raising the interest rate on your car loan and keeping the difference. This bill would force them to tell you about that extra markup upfront. If a dealer hides the cost, the state could take away their license to sell cars. Even better, the bill gives you the right to take the dealer to court to get your money back, plus the cost of your lawyer. This is a strong protection for regular buyers, and now is the time to support it while it moves through the statehouse.
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The facts
What the bill actually says, no spin.
- Car dealers would have to show you any extra markups on your loan before you buy the car.
- Dealers who hide these fees could have their state registration suspended or revoked.
- Buyers could sue dishonest dealers to get the exact amount of the hidden markup back.
- If a buyer wins in court, the dealer would have to pay the buyer's lawyer fees.
- The state would study if these hidden fees are being used to discriminate against minority buyers.
In the news
Scanning the news for this bill…
Headlines gathered from across the news, starting points to explore, not endorsements. Always read the official text before acting.
Sources
Read it yourself: the official bill and records.
This bill is in the New York Bill Book 2026
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