[Federal Register: July 21, 2008 (Volume 73, Number 140)]
[Proposed Rules]
[Page 42285-42293]
From the Federal Register Online via GPO Access [wais.access.gpo.gov]
[DOCID:fr21jy08-15]
=======================================================================
-----------------------------------------------------------------------
FEDERAL TRADE COMMISSION
16 CFR Part 455
Used Motor Vehicle Trade Regulation Rule
AGENCY: Federal Trade Commission.
ACTION: Request for public comments.
-----------------------------------------------------------------------
SUMMARY: The Federal Trade Commission (``FTC'' or ``Commission'')
requests public comments on its Used Motor Vehicle Trade Regulation
Rule (``Used Car Rule'' or ``Rule''). The Commission is soliciting the
comments as part of the FTC's systematic review of all current
Commission regulations and guides.
DATES: Written comments relating to the Used Car Rule must be received
by September 19, 2008.
ADDRESSES: Interested parties are invited to submit written comments
relating to the Used Car Rule review. Comments should refer to ``Used
Car Rule Regulatory Review, Matter No. P087604'' to facilitate the
organization of comments. A comment filed in paper form should include
this reference both in the text and on the envelope, and should be
mailed or delivered to the following address: Federal Trade Commission/
Office of the Secretary, Room H-135 (Annex H), 600 Pennsylvania Avenue,
N.W., Washington, D.C. 20580. Comments containing confidential material
must be filed in paper form, must be clearly labeled ``Confidential,''
and must comply with Commission Rule 4.9(c).\1\ The FTC is requesting
that any comment filed in paper form be sent by courier or overnight
service, if possible, because postal mail in the Washington area and at
the Commission is subject to delay due to heightened security
precautions.
---------------------------------------------------------------------------
\1\ The comment must be accompanied by an explicit request for
confidential treatment, including the factual and legal basis for
the request, and must identify the specific portions of the comment
to be withheld from the public record. The request will be granted
or denied by the Commission's General Counsel, consistent with
applicable law and the public interest. See Commission Rule 4.9(c),
16 CFR 4.9(c).
---------------------------------------------------------------------------
Comments filed in electronic form should be submitted by following
the instructions on the web-based form at: (https://
secure.commentworks.com/ftc-UsedCarRuleReview). To ensure that the
Commission considers an electronic comment, you must file it on the
web-based form. You may also visit http://www.regulations.gov to read
this notice, and may file an electronic comment through that Web site.
The Commission will consider all comments that www.regulations.gov
forwards to it.
[[Page 42286]]
The FTC Act and other laws the Commission administers permit the
collection of public comments to consider and to use in this proceeding
as appropriate. The Commission will consider all timely and responsive
public comments that it receives, whether filed in paper or electronic
form. Comments received will be available to the public on the FTC Web
site, to the extent practicable, at http://www.ftc.gov. As a matter of
discretion, the FTC makes every effort to remove home contact
information for individuals from the public comments it receives before
placing those comments on the FTC Web site. To read our policy on how
we handle the information you submit - including routine uses permitted
by the Privacy Act - please review the FTC's privacy policy, at http://
www.ftc.gov/ftc/privacy.htm.
FOR FURTHER INFORMATION CONTACT: John C. Hallerud, (312) 960-5615,
Attorney, Midwest Region, Federal Trade Commission.
SUPPLEMENTARY INFORMATION:
I. Background
The Commission promulgated the Used Car Rule in 1984 and the Rule
became effective in 1985.\2\ The Used Car Rule is intended primarily to
prevent oral misrepresentations and unfair omissions of material facts
by used car dealers concerning warranty coverage. To accomplish that
goal, the Rule provides a uniform method for disclosing warranty
information on a window sticker called the ``Buyers Guide'' that
dealers are required to display on used cars. The Rule requires used
car dealers to disclose on the Buyers Guide whether they are offering a
used car for sale with a dealer's warranty and, if so, the basic terms,
including the duration of coverage, the percentage of total repair
costs to be paid by the dealer, and the exact systems covered by the
warranty. The Rule additionally provides that the Buyers Guide
disclosures are to be incorporated by reference into the sales
contract, and are to govern in the event of an inconsistency between
the Buyers Guide and the sales contract. The Rule requires Spanish
language versions of the Buyers Guide when dealers conduct sales in
Spanish.
---------------------------------------------------------------------------
\2\ 49 FR 45,692 (November 19, 1984).
---------------------------------------------------------------------------
The Rule also requires other disclosures that must be printed
directly on the Buyers Guide, including:
(1) A suggestion that consumers ask the dealer if a pre-purchase
inspection is permitted;
(2) A warning against reliance on spoken promises that are not
confirmed in writing; and
(3) A list of fourteen major systems of a used motor vehicle and
the major defects that may occur in these systems.
In 1995, as part of its periodic review, the Commission amended the
Used Car Rule.\3\ Specifically, the Commission amended the Rule by: (1)
adopting several minor grammatical changes to the Spanish language
version of the Buyers Guide; (2) permitting dealers to display a Buyers
Guide anywhere on a used motor vehicle so long as the Buyers Guide is
displayed prominently and both sides of it are readily readable; and
(3) allowing dealers to obtain a consumer's signature on the Buyers
Guide to acknowledge receipt.
---------------------------------------------------------------------------
\3\ 60 FR 62,195 (December 5, 1995).
---------------------------------------------------------------------------
The Rule provides for both English and Spanish Buyers Guides. In
the past, Commission staff has advised dealers who conduct substantial
numbers of sales in Spanish to display both English and Spanish Buyers
Guides.\4\ In response to questions from industry, the Commission is
seeking comments on whether the Rule should be revised to permit
dealers to use a single bilingual Buyers Guide. The Commission is also
seeking proposals for the design of bilingual Buyers Guides.
---------------------------------------------------------------------------
\4\ See Staff Compliance Guidelines, 53 FR 17,660, 17,664,
17,667 (Illustration 3.10) (May 17, 1988). The Staff Compliance
Guidelines and other information about the Used Car Rule are
available online from the Commission's Web site at: www.ftc.gov.
---------------------------------------------------------------------------
The reverse side of the Buyers Guide contains a pre-printed list of
fourteen major systems and the defects that may occur in those systems.
That list has not been changed since the Used Car Rule was promulgated
in 1984. The list was promulgated from the rulemaking proceeding and
from information gleaned from prior versions of the Used Car Rule. The
Commission is seeking comments on the value of the Buyers Guide's pre-
printed list of major systems and defects and whether the list should
be revised or eliminated.
The Commission is also seeking comments on how well the current
method for disclosing unexpired manufacturer's warranties on the Buyers
Guide is working. In connection with that inquiry, the Commission is
seeking comments on a possible alternative Buyers Guide to aid in
disclosing dealers' warranties, unexpired manufacturer's warranties,
manufacturer's used car warranties, and used car warranties provided by
third parties other than the manufacturer. Examples of Buyers Guides
that incorporate a revised method for disclosing these various types of
warranties are attached to this notice as Appendices A and B.
II. Regulatory Review of the Used Car Rule
The Commission reviews all of its rules and guides periodically to
examine their efficacy, costs, and benefits; and to determine whether
to retain, modify, or rescind them. This notice commences the
Commission's review of the Used Car Rule.
A. General Areas of Interest for FTC Review
As part of its review, the Commission is seeking comment on a
number of general issues, including the continuing need for the Used
Car Rule and its economic impact, the effect of the Rule on deception
in the used car market, and the interaction of the Rule with other
regulations. Since the Commission's last revisions of the Rule in 1995,
new used car products, such as certified used car warranties, have
become increasingly popular. The Commission believes that this review
is important to ensure that the Rule is appropriately responsive to any
changes in the marketplace.
B. Specific Areas of Interest for FTC Review
Since the last revisions to the Rule in 1995, the Commission
occasionally has received informal input regarding the efficacy of the
Rule and requests for clarification about the Rule's application. Some
of the questions included in this notice, therefore, address specific
issues. By including these issues, the Commission intends to facilitate
comment, and the inclusion or exclusion of any issue is no indication
of the Commission's intent to make any specific modifications to the
Rule.
III. Issues for Comment
The Commission requests written comment on any or all of the
following questions. The Commission requests that responses to its
questions be as specific as possible, including a reference to the
question being answered, and reference to empirical data or other
evidence wherever available and appropriate.
A. General Issues
(1) Is there a continuing need for the Rule? Why or why not?
(2) What benefits has the Rule provided to consumers? What evidence
supports the asserted benefits?
(3) What modifications, if any, should be made to the Rule to
increase its benefits to consumers?
[[Page 42287]]
(a) What evidence supports the proposed modifications?
(b) How would these modifications affect the costs the Rule imposes
on businesses, and in particular on small businesses?
(c) How would these modifications affect the benefits to consumers?
(4) What impact has the Rule had on the flow of truthful
information to consumers and on the flow of deceptive information to
consumers?
(5) What significant costs has the Rule imposed on consumers? What
evidence supports the asserted costs?
(6) What modifications, if any, should be made to the Rule to
reduce the costs imposed on consumers?
(a) What evidence supports the proposed modifications?
(b) How would these modifications affect the benefits provided by
the Rule?
(7) How have the 1995 amendments to the Rule affected purchasers of
used motor vehicles? How have the 1995 amendments to the Rule affected
used motor vehicle dealers? Please provide any evidence that has become
available since 1995 concerning the costs, benefits, and effectiveness
of the Rule. Does this new information indicate that the Rule should be
modified? If so, why, and how? If not, why not?
(8) What benefits, if any, has the Rule provided to businesses, and
in particular to small businesses? What evidence supports the asserted
benefits?
(9) What modifications, if any, should be made to the Rule to
increase its benefits to businesses, and in particular to small
businesses?
(a) What evidence supports the proposed modifications?
(b) How would these modifications affect the costs the Rule impose
on businesses, and in particular on small businesses?
(c) How would these modifications affect the benefits to consumers?
(10) What significant costs, including costs of compliance, has the
Rule imposed on businesses, and in particular on small businesses? What
evidence supports the asserted costs?
(11) What modifications, if any, should be made to the Rule to
reduce the costs imposed on businesses, and in particular on small
businesses?
(a) What evidence supports the proposed modifications?
(b) How would these modifications affect the benefits provided by
the Rule?
(12) What evidence is available concerning the degree of industry
compliance with the Rule? To what extent has there been a reduction in
deceptive oral representations and unfair omissions made by used car
dealers concerning warranty coverage since the Rule was issued? Please
provide any supporting evidence. Does this evidence indicate that the
Rule should be modified? If so, why, and how? If not, why not?
(13) What modifications, if any, should be made to the Rule to
account for changes in relevant technology or economic conditions? What
evidence supports the proposed modifications?
(14) Does the Rule overlap or conflict with other federal, state,
or local laws or regulations? If so, how?
(a) What evidence supports the asserted conflicts?
(b) With reference to the asserted conflicts, should the Rule be
modified? If so, why, and how? If not, why not?
B. Specific Issues
(1) Should the Used Car Rule be modified to permit used motor
vehicle dealers the option of using a Buyers Guide that combines both
the English and Spanish language versions of the Buyers Guide into a
single bilingual document? If not, why not? If so, why? If so, how
should bilingual Buyers Guides be designed and formatted? How should
bilingual Buyers Guides be designed and formatted to minimize consumer
confusion?
(a) If recommending that bilingual Buyers Guides should be
permitted, provide as much detail as possible about the form that the
bilingual Buyers Guides should take. Provide examples of bilingual
Buyers Guides for use in states that permit ``as is'' sales (i.e.,
sales in which implied warranties are disclaimed) and states that
prohibit ``as is'' sales (i.e., ``Implied Warranties Only'' sales).
Indicate the type styles, sizes, and format used in examples of
bilingual Buyers Guides that are submitted.
(b) What benefits, if any, would bilingual Buyers Guides provide
consumers? What evidence supports the asserted benefits?
(c) What burdens, if any, would bilingual Buyers Guides impose on
consumers? What evidence supports the asserted burdens?
(d) What benefits, if any, would bilingual Buyers Guides provide
businesses, and in particular small businesses? What evidence supports
the asserted benefits?
(e) What burdens, if any, would bilingual Buyers Guides impose on
businesses, and in particular small businesses? What evidence supports
the asserted burdens?
(f) Question 8 below discusses possible alternative Buyers Guides
intended to facilitate the disclosure of manufacturer's and other
third-party warranties. How would your answers to the preceding
questions about bilingual Buyers Guides change if the Commission
adopted a revised Buyers Guide as described in Question 8?
(2) Should the translation of the Buyers Guide into Spanish be
revised as described below? If so, why? If not, why not?
(a) Should the term ``dealer'' be translated into Spanish as
``concesionario,'' instead of ``distribuidor'' and ``vendedor?''
(b) Should the term ``regardless of'' in the statement below the AS
IS - NO WARRANTY box on the front of the Buyers Guide be translated
into Spanish as ``independientemente de'' instead of ``sean cuales
sean?''
(c) Should the following revisions be made to the Spanish
translation of terms used in the list of major defects in automobile
systems on the reverse side of the Buyers Guide?
(i) Should the term ``Frame-cracks'' in the Frame & Body section be
translated as ``Grietas en el chasis,'' instead of ``Chasis-grietas?''
(ii) Should the term ``Cooling System'' in the Cooling System
section be translated as ``Sistema de enfriamiento,'' instead of
``Sistema de refrigeraci''
(iii) Should the term ``Air conditioner'' in the Inoperable
Accessories section be translated as ``Aire acondicionado,'' instead of
``Acondicionador de aire?''
(iv) Should the term ``Defroster'' in the Inoperable Accessories
section be translated as ``Desempaador,'' instead of ``Descarchador?''
(v) Should the terms ``Not enough pedal reserve'' in the Brake
System section be translated as ``Distancia insuficiente del pedal,''
instead of ``Juego insuficiente en el pedal?''
(3) What purposes, if any, does the list of systems and major
defects that may occur in a used motor vehicle on the reverse side of
the Buyers Guide serve?
(a) What benefits does the list provide to consumers?
(b) What burdens does the list impose on consumers?
(c) What benefits does the list provide to businesses, and in
particular to small businesses?
(d) What burdens does the list impose on businesses, and in
particular on small businesses?
(e) Should the list be retained? Why or why not?
(f) Should the list be modified? If so, why, and how? If not, why
not?
(4) The Rule permits dealers who opt to disclose an unexpired
manufacturer's warranty to add the following statement to the Buyers
Guide below the FULL/LIMITED WARRANTY boxes in the SYSTEMS COVERED/
DURATION section:
[[Page 42288]]
MANUFACTURER'S WARRANTY STILL APPLIES. The manufacturer's original
warranty has not expired on the vehicle. Consult the manufacturer's
warranty booklet for details as to warranty coverage, service location,
etc.\5\
---------------------------------------------------------------------------
\5\ 16 C.F.R. Sec. 455.2(b)(2)(v).
---------------------------------------------------------------------------
Separately and beneath that statement, in states that permit ``as
is'' sales, dealers may add:
The dealership itself assumes no responsibility for any repairs,
regardless of any oral statements about the vehicle. All warranty
coverage comes from the unexpired manufacture's warranty.\6\
---------------------------------------------------------------------------
\6\ Staff Compliance Guidelines, 53 Fed. Reg. 17,660 at 17,663
(May 17, 1988).
---------------------------------------------------------------------------
(a) What benefits, if any, does the method permitted by the Rule
for disclosing unexpired manufacturer's warranties provide consumers?
(b) What burdens does the method permitted by the Rule for
disclosing unexpired manufacturer's warranties impose on consumers?
(c) What benefits does the method for disclosing unexpired
manufacturer's warranties permitted by the Rule provide businesses, and
in particular small businesses?
(d) What burdens does the method for disclosing unexpired
manufacturer's warranties permitted by the Rule provide businesses, and
in particular small businesses?
(e) Should the current method permitted by the Rule for disclosing
unexpired manufacturer's warranties be modified? If so, why, and how?
If not, why not?
(f) Should the Rule provide an option to use a similar method for
disclosing other warranties that are included in the price of the used
vehicle, such as manufacturer's certified used car warranties and
warranties provided by other third parties? If so, why, and how? If
not, why not?
(5) Should the optional statement provided by the Rule to indicate
that a manufacturer's warranty applies be revised to alert consumers to
check the warranty booklet for the expiration date of the
manufacturer's warranty by stating: ``Consult the manufacturer's
warranty booklet for details as to warranty coverage, expiration,
service location, etc?'' Why or why not?
(6) Should the Rule require dealers to indicate whether a
manufacturer's warranty applies and provide information about the scope
of that coverage? Why or why not? Should disclosure of manufacturer's
warranties be optional as the Rule currently provides? Why or why not?
(7) Is checking the AS IS - NO WARRANTY box to indicate that the
dealer is not obligated to perform warranty service clear and
understandable to consumers? Why or why not? Does checking the AS IS -
NO WARRANTY box confuse consumers about whether other warranty or
service coverage, such as a manufacturer's warranty, applies? Why or
why not? How could the Buyers Guide be redesigned to prevent consumer
confusion about the meaning of the ``as is'' disclosure?
(8) Examples of revised Buyers Guides that provide a different
method to disclose manufacturer's warranties and third-party warranties
that are included in the price of the used car are attached as
Appendices A and B. Appendix A is designed for use in states that
permit dealers to sell used cars ``as is,'' i.e., without any warranty
from the dealer. Appendix B is designed for use in states that prohibit
``as is'' sales.
The Buyers Guide attached as Appendix A states:
[squ] ``AS IS'' - NO DEALER WARRANTY THE DEALER WILL NOT PAY ANY
COSTS FOR ANY REPAIRS. The dealer assumes no responsibility for any
repairs regardless of any oral statements about the vehicle.
If a dealer chooses to use a Buyers Guide like Appendix A and does
not offer its own warranty, the dealer would check the box to indicate
that the car is being offered ``AS IS''- NO DEALER WARRANTY.
If state law limits or prohibits ``as is'' sales of vehicles or the
dealer chooses to offer the vehicle with implied warranties only when
offering a car for sale in a state that permits ``as is'' sales, the
following should be substituted for ``AS IS'' - NO DEALER WARRANTY, and
its accompanying language:
[squ] IMPLIED WARRANTIES ONLY
This means that the dealer does not make any specific promises to
fix things that need repair when you buy the vehicle or after the time
of sale. But, State law ``implied warranties'' may give you some rights
to have the dealer take care of serious problems that were not apparent
when you bought the vehicle.
Appendix B is a Buyers Guide that uses the above disclosure to
indicate that the dealer is offering implied warranties only.
If a dealer chooses to use a Buyers Guide like Appendix A or B and
the dealership provides its own used car warranty, the dealer would
check the DEALER WARRANTY box, indicate whether the warranty is full or
limited, and identify the percentage of labor and parts that the dealer
will pay for repairs:
[squ] DEALER WARRANTY
[squ] FULL [squ] LIMITED WARRANTY. The dealer will pay -- % of the
labor and ---- % of the parts for the covered systems that fail during
the warranty period. Ask the dealer for a copy of the warranty document
for a full explanation of warranty coverage, exclusions, and the
dealer's repair obligations. Under state law, ``implied warranties''
may give you even more rights.
Immediately beneath this section, the dealer would indicate the
Systems Covered and the Duration of coverage for the identified
systems:
SYSTEMS COVERED: DURATION:
----------------------------------------------------------------------
----
If the dealer does not provide its own warranty and state law
permits the dealer to sell used cars ``as is,'' in the space provided
for the SYSTEMS COVERED/DURATION, the dealer may fill in (or pre-print
or use a rubber stamp) the following statement: ``The dealership itself
assumes no responsibility for any repairs, regardless of any oral
statements about the vehicle. All warranty coverage comes from the
unexpired manufacturer's warranty, manufacturer's used car warranty, or
other used car warranty indicated below.''
The Buyers Guide would have additional boxes below the SYSTEMS
COVERED/DURATION section where the dealer could indicate whether the
dealer is offering a used car with a manufacturer's warranty or other
third-party warranty. If a dealer chooses to disclose manufacturer's
warranties and third-party warranties using Appendix A or B, dealers
would check the appropriate boxes to indicate the types of warranties
that are provided as part of the sales price of the car.
[squ] NON-DEALER WARRANTIES
[squ] MANUFACTURER'S WARRANTY STILL APPLIES.
The manufacturer's original warranty has not expired on the
vehicle.
[squ] MANUFACTURER'S USED CAR WARRANTY APPLIES.
[squ] OTHER USED CAR WARRANTY APPLIES.
Consult the warranty booklet for details as to warranty contract
coverage, expiration, service location, etc.
[squ] NO INFORMATION PROVIDED. The dealer provides no information
about other warranties that may apply.
The Rule's SERVICE CONTRACT box and corresponding explanation that
a service contract is available would appear below this statement
separated by a line to distinguish service contract availability from
warranty coverage:
[squ] SERVICE CONTRACT. A service contract is available at an extra
charge
[[Page 42289]]
on this vehicle. Ask for details as to coverage, deductible, price, and
exclusions. If you buy a service contract within ninety days of sale,
state law ``implied warranties'' may give you additional rights.
(a) Should the Rule be revised to permit dealers to disclose
unexpired manufacturer's warranties, manufacturer's used car
warranties, and other used car warranties as shown in Appendices A and
B?
(b) What benefits, if any, would revising the Rule to permit
dealers to disclose warranties as shown in Appendices A and B provide
to consumers?
(c) What burdens, if any, would revising the Rule to permit dealers
to disclose warranties as shown in Appendices A and B impose on
consumers?
(d) What benefits, if any, would revising the Rule to permit
dealers to disclose warranties as shown in Appendices A and B provide
to businesses, and in particular to small businesses?
(e) What burdens, if any, would revising the Rule to permit dealers
to disclose warranties as shown in Appendices A and B impose on
businesses, and in particular on small businesses?
(f) What alternatives, if any, should be considered? Why? If no
alternatives should be considered, why not?
(g) Does stating ``AS IS'' - NO DEALER WARRANTY (See Appendix A)
instead of AS IS - NO WARRANTY make the Buyers Guide more clear and
understandable to consumers? Why or why not?
(h) Is checking the box marked ``AS IS'' - NO DEALER WARRANTY to
indicate that a dealer does not offer its own warranty clear and
understandable to consumers when a dealer also checks one or more of
the boxes indicating that a NON-DEALER WARRANTY from someone other than
the dealer applies? Why or why not?
(i) Does stating, ``THE DEALER WILL NOT PAY ANY COSTS FOR ANY
REPAIRS'' (See Appendix A), instead of ``YOU WILL PAY ALL COSTS FOR ANY
REPAIRS'' to explain ``AS IS'' - NO DEALER WARRANTY make the Buyers
Guide in Appendix A more clear and understandable to consumers? Why or
why not?
(j) Does adding the statement ``FROM THE DEALER'' help show that
the boxes marked IMPLIED WARRANTIES ONLY and DEALER WARRANTY apply only
to warranties that may, or may not, be offered by the dealer? If so,
why? If not, why not? If not, how could the format and/or wording be
improved?
(k) Does eliminating the lines for text in the SYSTEMS COVERED/
DURATION section of the Buyers Guide, as shown in Appendices A and B,
make it easier or more difficult to disclose each system covered and
the duration of coverage for each system? Why?
(l) If the Rule is revised to permit dealers to use the Buyers
Guides in Appendices A and B, what combination of type size, paper
size, and formatting, particularly the amount of space allotted for the
SYSTEMS COVERED/DURATION section, should be used to accommodate the
additional text and other information in the Appendices, while assuring
that the Buyers Guides are clear and understandable to consumers? In
particular:
(i) Should the Rule be revised to specify smaller or larger type
sizes for Buyers Guides like those in Appendices A and B than currently
prescribed by the Rule? Why, or why not? If so, specify the type sizes.
(ii) Instead of, or in combination with, changes in type sizes,
should the Rule be revised to specify that Buyers Guides like those in
Appendices A and B be printed on paper larger than the currently
prescribed 11`` x 7 1/4'' minimum? Why or why not? If so, specify
minimum paper sizes, and identify type sizes if in combination with a
recommended type size.
(iii) Instead of, or in combination with changes in type size and
paper size, should the space allotted for dealers to disclose warranty
coverage and duration in the SYSTEMS COVERED/DURATION section of the
Buyers Guide be increased or decreased? Why, or why not? How do changes
in type size and paper size affect your answer?
(9) Does the statement ``IMPLIED WARRANTIES ONLY'' and accompanying
text clearly disclose that the dealer offers no express warranty? If
not, how could the disclosure be made clearer?
(10) Should the Rule's type style, size, and format requirements
for Buyers Guides be revised to accommodate current word processing
programs? If so, why, and how? If not, why not?
(11) What other changes to the format of the Buyers Guide should be
considered to increase its benefits? What effect would such changes
have on the costs or burdens imposed by the Rule? What empirical or
other evidence supports opinions that such changes would or would not
increase costs or burdens?
(12) What other changes to the format of the Buyers Guide should be
considered to reduce compliance costs or burdens? Would such changes
have any detrimental effect on the benefits provided by the Rule? What
empirical or other evidence supports opinions about whether such
changes would have a detrimental effect on benefits?
List of Subjects in 16 CFR Part 455
Motor Vehicles, Trade Practices.
Authority: 15 U.S.C. 41-58, 15 U.S.C. 2309.
By direction of the Commission.
Donald S. Clark
Secretary
[[Page 42290]]
APPENDIX A
[GRAPHIC] [TIFF OMITTED] TP21JY08.000
[[Page 42291]]
[GRAPHIC] [TIFF OMITTED] TP21JY08.001
[[Page 42292]]
APPENDIX B
[GRAPHIC] [TIFF OMITTED] TP21JY08.002
[[Page 42293]]
[GRAPHIC] [TIFF OMITTED] TP21JY08.003
[FR Doc. E8-16634 Filed 7-18-08: 8:45 am]
BILLING CODE 6750-01-S