But the high price of vehicles is not the only financial challenge confronting Black and other consumers of color. Discriminatory and predatory practices in the sale and financing of cars, including predatory lending, have pushed millions of buyers into longer and higher priced loans. Research published by the Federal Reserve found Black borrowers disproportionately pay the highest interest rate mark-up, resulting in more than $3,000 in additional interest over the life of the loan due to predatory lending practices. This conclusion came through a series of consumer focus groups with subprime credit scores, most of whom are Black, reeling from the effects of predatory car loans. Beyond auto sale, dealer financing exposes consumers to interest rate markups, hidden fees, and unaffordable loan terms.