motor vehicle, instalment, consumer instalment credit, credit, consumer, time-price doctrine


This article focuses on motor vehicle retail instalment contracts and their impact on consumer credit development, the abuses they have engendered, and the pattern of regulation which has grown around them. The article first addresses the history of the market and then examines the New York Motor Vehicle Retail Instalment Sales Act, urging legislative reform.



To view the content in your browser, please download Adobe Reader or, alternately,
you may Download the file to your hard drive.

NOTE: The latest versions of Adobe Reader do not support viewing PDF files within Firefox on Mac OS and if you are using a modern (Intel) Mac, there is no official plugin for viewing PDF files within the browser window.