California’s CARS Act Takes Effect October 1: A 3-Day Right to Return Used Cars, Honest Total Prices and Limits on Junk Add-Ons

Starting Thursday, October 1, 2026, California car dealers must advertise a vehicle’s total price, tell you in writing that add-ons are optional, stop charging for add-ons that give you no benefit, and give used-car buyers a 3-day right to cancel. Here’s what the new law says and how to use it.

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A wooden gavel.

Federal Judge Rules the CFPB Must Be Funded: What the Decision Means for Consumers Dealing With Debt Collectors, Credit Bureaus and Lenders

On September 25, 2026, a federal judge in Oregon ruled that the government’s decision to stop requesting funding for the Consumer Financial Protection Bureau was unlawful and unconstitutional. Here’s what the ruling does, what it doesn’t do, and what it means if you’re dealing with a debt collector, a credit reporting error or a lender.

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