The suits allege that blacks were disproportionately targeted for this practice: "A study used by plaintiffs in another suit found that African-American car buyers paid loan markups averaging $1,229 each. The average for white car buyers with similar credit histories was $867 a loan." Generally, you're targeted if you are not an informed buyer. Simply put, when buying a car, you should go get a loan directly from a credit union or bank. If you get it from the dealer, they will find a way to screw you.

Note this aspect of the case--Bank of America claims that they don't discriminate; that they only have access to credit scores rather than race: "Bank of America spokeswoman Shirley Norton also acknowledged the bank is "in talks" regarding their case, but declined to characterize the talks as settlement talks or indicate how far along the discussions are. 'We don't discriminate. Our policies are racially neutral, based on credit scores,' she said. 'We don't have access to the customers, and we don't deal directly with the customer.'" But this begs the question--are the credit scores themselves discriminatory?