In what the government calls its first ever discrimination settlement involving "buy here, pay here" auto financing, the Department of Justice and North Carolina Attorney General reached a deal with two used auto dealerships. The federal government alleged that the two dealerships violated the Equal Credit Opportunity Act by "intentionally targeting African-American customers for unfair and predatory credit practices in the financing of used car purchases," while the state AG added claims based on North Carolina's Unfair and Deceptive Trade Practices Act.