Reading Your Contract — Every Line Before You Sign! Episode 6.
Roosevelt Gist and Roosevelt break down every section of a standard auto Retail Installment Sale Contract, the four legal rights every buyer holds at the finance desk, and the exact four-step script for getting a contract error fixed before signing — plus why dealer-markup discrimination makes verifying every line especially important for Black buyers.
What You Learn in This Episode:
Your four legal rights at every dealership finance desk
All fourteen sections of a Retail Installment Sale Contract, in plain language
How to check the APR, finance charge, and total of payments yourself
The VIN verification process and why it matters
What negative equity rollover actually costs, and how it appears on your contract
The four-step script for getting a contract discrepancy corrected before signing
Where to file a complaint if a dealer won’t fix a legitimate error
Resources Mentioned:
“The Color of Our Money Is Green: A Buyer’s Guide to What Cars Actually Cost” — stan.store/RGist
CFPB complaint portal — consumerfinance.gov/complaint
FTC complaint portal — ReportFraud.ftc.gov
National Consumer Law Center — nclc.org
LawHelp.org (state legal aid directory)
Optus Bank — optus.bank / 803-733-8100
National Bankers Association directory — nationalbankers.org
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AutoNetwork helps serious car shoppers inspect any new vehicle online before walking into a dealership. I’m Roosevelt — I’ve been reviewing cars and shaping digital car buying and credit union auto leasing since before YouTube car reviews existed.
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Watch the Advisor walkaround of the car you’re considering
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