This guide covers motor vehicle law for consumers across the whole transaction: the sale, the financing, the warranties, the defect remedies, and what happens after a default. Part 1 separates the four negotiations that occur simultaneously in every car purchase and explains dealer reserve, add-on products, negative equity, and yo-yo financing. Part 2 covers the credit disclosures and the Holder Rule, which is the single most useful provision most consumers have never heard of. Part 3 covers the Used Car Rule, the buyers guide, and what an as-is disclaimer does and does not reach, and Part 4 covers warranties under state law and the federal warranty act, including the no-disclaimer rule and the fee-shifting private action. Part 5 covers state lemon laws, the manufacturer notice requirement that defeats most claims, and informal dispute resolution. Part 6 covers odometer fraud, title branding, and recalls, and Part 7 covers leases and their distinctive traps. Part 8 covers repossession, commercial reasonableness, and the deficiency accounting that is miscalculated more often than not. Parts 9 through 12 cover buy-here-pay-here, the documents to read before signing, worked scenarios, and a state research sequence.