17432 Federal Register / Vol. 80, No. 62 / Wednesday, April 1, 2015 / Notices 

above-mentioned facts is a deceptive 

practice in violation of section 5 of the 

FTC Act. 

The proposed order is designed to 

prevent respondent from engaging in 

similar deceptive practices in the future. 

Section I prohibits respondent from 

representing that a payment program or 

add-on product or service will save 

consumers money, including interest, 

unless the amount of savings is greater 

than the total amount of fees associated 

with the product or service or any 

qualifying information is clearly and 

conspicuously disclosed. Section I also 

prohibits respondent from representing 

that a payment program or add-on 

product or service will save any 

consumer a specific amount of money, 

including interest, unless the specified 

amount is the amount of savings after 

deducting any fees or any qualifying 

information relating to savings is clearly 

and conspicuously disclosed. 

Section II of the proposed order 

prohibits respondent from making 

misrepresentations related to any 

payment programs, including regarding 

the existence, amount, timing, or 

manner of any fees, the program’s 

benefits, performance, or efficacy, or the 

ability of any payment program to affect 

consumer credit. 

Section III of the proposed order 

prohibits respondent from making 

misrepresentations related to any addon products or services, including 

regarding the total costs of the add-on 

and the benefits, performance, or 

efficacy of the add-on, any restrictions 

or conditions associated with the addon, the nature or terms of any refund, 

cancellation, or exchange of an add-on 

and that any add-on product can 

improve, repair or otherwise affect a 

consumer’s credit. 

Section IV requires respondent to 

substantiate any representations about 

the benefits, performance or efficacy of 

any add-on product or service or any 

payment program. 

Section V prohibits respondent from 

collecting cancellation fees from 

consumers who have finished paying off 

their financing contract through NPN’s 

Plan. 

Section VI of the proposed order 

requires respondent to pay consumers 

two million four hundred and seventyfive thousand dollars ($2,475,000.00) in 

monetary relief. The proposed order 

permits respondent to pay the monetary 

relief amount by: (1) Refunding 

customers a total of $1,526,000.00 

within thirty days of service of the 

order; (2) waiving an additional 

$949,000.00 in fees for current 

customers. If respondent is unable to 

provide refunds or fee waivers in the 

stated amount, it must remit the balance 

to the Commission. 

Section VII of the proposed order 

requires respondent to keep copies of 

relevant advertisements and materials 

substantiating claims made in the 

advertisements. Section VIII requires 

that respondent provide copies of the 

order to certain of its personnel. Section 

IX requires notification of the 

Commission regarding changes in 

corporate structure that might affect 

compliance obligations under the order. 

Section X requires the respondent to file 

compliance reports with the 

Commission. Finally, section XI is a 

provision ‘‘sunsetting’’ the order after 

twenty (20) years, with certain 

exceptions. 

The purpose of this analysis is to aid 

public comment on the proposed order. 

It is not intended to constitute an 

official interpretation of the complaint 

or proposed order, or to modify in any 

way the proposed order’s terms. 

By direction of the Commission. 

Donald S. Clark, 

Secretary. 

[FR Doc. 2015–07406 Filed 3–31–15; 8:45 am] 

BILLING CODE 6750–01–P 

FEDERAL TRADE COMMISSION 

[File No. 132 3285] 

Matt Blatt Inc. and Glassboro Imports, 

LLC; Proposed Consent Order To Aid 

Public Comment 

AGENCY: Federal Trade Commission. 

ACTION: Proposed Consent Agreement. 

SUMMARY: The consent agreement in this 

matter settles alleged violations of 

federal law prohibiting unfair or 

deceptive acts or practices. The attached 

Analysis to Aid Public Comment 

describes both the allegations in the 

draft complaint and the terms of the 

consent order—embodied in the consent 

agreement—that would settle these 

allegations. 

DATES: Comments must be received on 

or before April 27, 2015. 

ADDRESSES: Interested parties may file a 

comment at http://

ftcpublic.commentworks.com/ftc/

mattblattconsent online or on paper, by 

following the instructions in the 

Request for Comment part of the 

SUPPLEMENTARY INFORMATION section 

below. Write ‘‘Matt Blatt Inc. and 

Glassboro Imports, LLC Consent 

Agreement; File No. 1323285’’ on your 

comment and file your comment online 

at http://ftcpublic.commentworks.com/

ftc/mattblattconsent by following the 

instructions on the web-based form. If 

you prefer to file your comment on 

paper, write ‘‘Matt Blatt Inc. and 

Glassboro Imports, LLC Consent 

Agreement; File No. 1323285’’ on your 

comment and on the envelope, and mail 

your comment to the following address: 

Federal Trade Commission, Office of the 

Secretary, 600 Pennsylvania Avenue 

NW., Suite CC–5610 (Annex D), 

Washington, DC 20580, or deliver your 

comment to the following address: 

Federal Trade Commission, Office of the 

Secretary, Constitution Center, 400 7th 

Street SW., 5th Floor, Suite 5610 

(Annex D), Washington, DC 20024. 

FOR FURTHER INFORMATION CONTACT: 

Daniel Dwyer, Bureau of Consumer 

Protection, (202) 326–2957, 600 

Pennsylvania Avenue NW., Washington, 

DC 20580. 

SUPPLEMENTARY INFORMATION: Pursuant 

to Section 6(f) of the Federal Trade 

Commission Act, 15 U.S.C. 46(f), and 

FTC Rule 2.34, 16 CFR 2.34, notice is 

hereby given that the above-captioned 

consent agreement containing consent 

order to cease and desist, having been 

filed with and accepted, subject to final 

approval, by the Commission, has been 

placed on the public record for a period 

of thirty (30) days. The following 

Analysis to Aid Public Comment 

describes the terms of the consent 

agreement, and the allegations in the 

complaint. An electronic copy of the 

full text of the consent agreement 

package can be obtained from the FTC 

Home Page (for March 26, 2015), on the 

World Wide Web at: http://www.ftc.gov/ 

os/actions.shtm. 

You can file a comment online or on 

paper. For the Commission to consider 

your comment, we must receive it on or 

before April 27, 2015. Write ‘‘Matt Blatt 

Inc. and Glassboro Imports, LLC 

Consent Agreement; File No. 1323285’’ 

on your comment. Your comment— 

including your name and your state— 

will be placed on the public record of 

this proceeding, including, to the extent 

practicable, on the public Commission 

Web site, at http://www.ftc.gov/os/

publiccomments.shtm. As a matter of 

discretion, the Commission tries to 

remove individuals’ home contact 

information from comments before 

placing them on the Commission Web 

site. 

Because your comment will be made 

public, you are solely responsible for 

making sure that your comment does 

not include any sensitive personal 

information, like anyone’s Social 

Security number, date of birth, driver’s 

license number or other state 

identification number or foreign country 

equivalent, passport number, financial 

account number, or credit or debit card 

mstockstill on DSK4VPTVN1PROD with NOTICES

Federal Register / Vol. 80, No. 62 / Wednesday, April 1, 2015 / Notices 17433 

1 In particular, the written request for confidential 

treatment that accompanies the comment must 

include the factual and legal basis for the request, 

and must identify the specific portions of the 

comment to be withheld from the public record. See 

FTC Rule 4.9(c), 16 CFR 4.9(c). 

number. You are also solely responsible 

for making sure that your comment does 

not include any sensitive health 

information, like medical records or 

other individually identifiable health 

information. In addition, do not include 

any ‘‘[t]rade secret or any commercial or 

financial information which . . . is 

privileged or confidential,’’ as discussed 

in Section 6(f) of the FTC Act, 15 U.S.C. 

46(f), and FTC Rule 4.10(a)(2), 16 CFR 

4.10(a)(2). In particular, do not include 

competitively sensitive information 

such as costs, sales statistics, 

inventories, formulas, patterns, devices, 

manufacturing processes, or customer 

names. 

If you want the Commission to give 

your comment confidential treatment, 

you must file it in paper form, with a 

request for confidential treatment, and 

you have to follow the procedure 

explained in FTC Rule 4.9(c), 16 CFR 

4.9(c).1 Your comment will be kept 

confidential only if the FTC General 

Counsel, in his or her sole discretion, 

grants your request in accordance with 

the law and the public interest. 

Postal mail addressed to the 

Commission is subject to delay due to 

heightened security screening. As a 

result, we encourage you to submit your 

comments online. To make sure that the 

Commission considers your online 

comment, you must file it at http://

ftcpublic.commentworks.com/ftc/

mattblattconsent by following the 

instructions on the web-based form. If 

this Notice appears at http://

www.regulations.gov/#!home, you also 

may file a comment through that Web 

site. 

If you file your comment on paper, 

write ‘‘Matt Blatt Inc. and Glassboro 

Imports, LLC Consent Agreement; File 

No. 1323285’’ on your comment and on 

the envelope, and mail your comment to 

the following address: Federal Trade 

Commission, Office of the Secretary, 

600 Pennsylvania Avenue NW., Suite 

CC–5610 (Annex D), Washington, DC 

20580, or deliver your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

Constitution Center, 400 7th Street SW., 

5th Floor, Suite 5610 (Annex D), 

Washington, DC 20024. If possible, 

submit your paper comment to the 

Commission by courier or overnight 

service. 

Visit the Commission Web site at 

http://www.ftc.gov to read this Notice 

and the news release describing it. The 

FTC Act and other laws that the 

Commission administers permit the 

collection of public comments to 

consider and use in this proceeding as 

appropriate. The Commission will 

consider all timely and responsive 

public comments that it receives on or 

before April 27, 2015. You can find 

more information, including routine 

uses permitted by the Privacy Act, in 

the Commission’s privacy policy, at 

http://www.ftc.gov/ftc/privacy.htm. 

Analysis of Proposed Consent Order To 

Aid Public Comment 

The Federal Trade Commission 

(‘‘FTC’’) has accepted, subject to final 

approval, an agreement containing a 

consent order from Matt Blatt Inc., also 

known as Matt Blatt KIA and as Matt 

Blatt Egg Harbor Township (‘‘Matt Blatt 

Inc.’’), and from Glassboro Imports, LLC, 

also known as Matt Blatt Glassboro 

Suzuki, as Matt Blatt Glassboro, and as 

Matt Blatt Auto Sales (‘‘Glassboro 

Imports’’). The proposed consent order 

has been placed on the public record for 

thirty (30) days for receipt of comments 

by interested persons. Comments 

received during this period will become 

part of the public record. After thirty 

(30) days, the FTC will again review the 

agreement and the comments received, 

and will decide whether it should 

withdraw from the agreement and take 

appropriate action or make final the 

agreement’s proposed order. 

The respondents are dealerships that 

offer an auto payment program to 

consumers financing a motor vehicle. 

The matter involves the dealerships’ 

sale of the auto payment program to 

consumers. According to the FTC 

complaint, respondents have 

represented that consumers who enroll 

in its biweekly payment program in 

order to pay off their auto-financing 

contract will save money or achieve 

other benefits through the program. 

However, respondents failed to disclose 

that consumers who enroll in the 

program are charged fees that in many 

cases offset any savings under the 

program, and also failed to disclose the 

total amount of these fees. These facts 

would be material to consumers in their 

decision to enroll in the biweekly 

payment program sold by respondents. 

The complaint alleges therefore that 

respondents’ failure to disclose the 

above-mentioned facts is a deceptive 

practice in violation of Section 5 of the 

FTC Act. 

The proposed order is designed to 

prevent respondents from engaging in 

similar deceptive practices in the future. 

Section I prohibits respondents from 

representing that a payment program or 

add-on product or service will save 

consumers money, including interest, 

unless the amount of savings is greater 

than the total amount of fees associated 

with the product or service or any 

qualifying information is clearly and 

conspicuously disclosed. Section I also 

prohibits respondents from representing 

that a payment program or add-on 

product or service will save any 

consumer a specific amount of money, 

including interest, unless the specified 

amount is the amount of savings after 

deducting any fees or any qualifying 

information relating to savings is clearly 

and conspicuously disclosed. 

Section II of the proposed order 

prohibits respondents from making 

misrepresentations related to any 

payment programs, including regarding 

the existence, amount, timing, or 

manner of any fees, the program’s 

benefits, performance, or efficacy. 

Section III of the proposed order 

prohibits respondents from making 

misrepresentations related to any addon products or services, including 

regarding the total costs of the add-on 

and the benefits, performance, or 

efficacy of the add-on, any restrictions 

or conditions associated with the addon, the nature or terms of any refund, 

cancellation, or exchange of an add-on, 

and that any add-on product can 

improve, repair or otherwise affect a 

consumer’s credit. 

Section IV requires respondents to 

substantiate any representations about 

the benefits, performance or efficacy of 

any add-on product or service or any 

payment program. 

Section V of the proposed order 

requires respondents to pay to the 

Commission One Hundred Eighty Four 

Thousand Two Hundred Eighty dollars 

($184,280.00) in monetary relief. 

Section VI of the proposed order 

requires respondent to keep copies of 

relevant advertisements and materials 

substantiating claims made in the 

advertisements. Section VII requires that 

respondent provide copies of the order 

to certain of its personnel. Section VIII 

requires notification of the Commission 

regarding changes in corporate structure 

that might affect compliance obligations 

under the order. Section IX requires the 

respondent to file compliance reports 

with the Commission. Finally, Section X 

is a provision ‘‘sunsetting’’ the order 

after twenty (20) years, with certain 

exceptions. 

The purpose of this analysis is to aid 

public comment on the proposed order. 

It is not intended to constitute an 

official interpretation of the complaint 

or proposed order, or to modify in any 

way the proposed order’s terms. 

mstockstill on DSK4VPTVN1PROD with NOTICES

17434 Federal Register / Vol. 80, No. 62 / Wednesday, April 1, 2015 / Notices 

1 In particular, the written request for confidential 

treatment that accompanies the comment must 

include the factual and legal basis for the request, 

and must identify the specific portions of the 

comment to be withheld from the public record. See 

FTC Rule 4.9(c), 16 CFR 4.9(c). 

By direction of the Commission. 

Donald S. Clark 

Secretary. 

[FR Doc. 2015–07404 Filed 3–31–15; 8:45 am] 

BILLING CODE 6750–01–P 

FEDERAL TRADE COMMISSION 

[File No. 152 3036] 

Jim Burke Automotive, Inc.; Proposed 

Consent Order To Aid Public Comment 

AGENCY: Federal Trade Commission. 

ACTION: Proposed Consent Agreement. 

SUMMARY: The consent agreement in this 

matter settles alleged violations of 

federal law prohibiting unfair or 

deceptive acts or practices. The attached 

Analysis to Aid Public Comment 

describes both the allegations in the 

draft complaint and the terms of the 

consent order—embodied in the consent 

agreement—that would settle these 

allegations. 

DATES: Comments must be received on 

or before April 27, 2015. 

ADDRESSES: Interested parties may file a 

comment at https://

ftcpublic.commentworks.com/ftc/

jimburkeconsent online or on paper, by 

following the instructions in the 

Request for Comment part of the 

SUPPLEMENTARY INFORMATION section 

below. Write ‘‘Jim Burke Automotive, 

Inc.—Consent Agreement; File No. 

1523036’’ on your comment and file 

your comment online at https://

ftcpublic.commentworks.com/ftc/

jimburkeconsent by following the 

instructions on the web-based form. If 

you prefer to file your comment on 

paper, write ‘‘Jim Burke Automotive, 

Inc.—Consent Agreement; File No. 

1523036’’ on your comment and on the 

envelope, and mail your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

600 Pennsylvania Avenue NW., Suite 

CC–5610 (Annex D), Washington, DC 

20580, or deliver your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

Constitution Center, 400 7th Street SW., 

5th Floor, Suite 5610 (Annex D), 

Washington, DC 20024. 

FOR FURTHER INFORMATION CONTACT: 

Sana Chriss, Southeast Regional Office, 

(404) 656–1364, 225 Peachtree Street 

NE., Suite 1500, Atlanta, Georgia 30303. 

SUPPLEMENTARY INFORMATION: Pursuant 

to Section 6(f) of the Federal Trade 

Commission Act, 15 U.S.C. 46(f), and 

FTC Rule 2.34, 16 CFR 2.34, notice is 

hereby given that the above-captioned 

consent agreement containing consent 

order to cease and desist, having been 

filed with and accepted, subject to final 

approval, by the Commission, has been 

placed on the public record for a period 

of thirty (30) days. The following 

Analysis to Aid Public Comment 

describes the terms of the consent 

agreement, and the allegations in the 

complaint. An electronic copy of the 

full text of the consent agreement 

package can be obtained from the FTC 

Home Page (for March 26, 2015), on the 

World Wide Web at: http://www.ftc.gov/ 

os/actions.shtm. 

You can file a comment online or on 

paper. For the Commission to consider 

your comment, we must receive it on or 

before April 27, 2015. Write ‘‘Jim Burke 

Automotive, Inc.—Consent Agreement; 

File No. 1523036’’ on your comment. 

Your comment—including your name 

and your state—will be placed on the 

public record of this proceeding, 

including, to the extent practicable, on 

the public Commission Web site, at 

http://www.ftc.gov/os/

publiccomments.shtm. As a matter of 

discretion, the Commission tries to 

remove individuals’ home contact 

information from comments before 

placing them on the Commission Web 

site. 

Because your comment will be made 

public, you are solely responsible for 

making sure that your comment does 

not include any sensitive personal 

information, like anyone’s Social 

Security number, date of birth, driver’s 

license number or other state 

identification number or foreign country 

equivalent, passport number, financial 

account number, or credit or debit card 

number. You are also solely responsible 

for making sure that your comment does 

not include any sensitive health 

information, like medical records or 

other individually identifiable health 

information. In addition, do not include 

any ‘‘[t]rade secret or any commercial or 

financial information which . . . is 

privileged or confidential,’’ as discussed 

in Section 6(f) of the FTC Act, 15 U.S.C. 

46(f), and FTC Rule 4.10(a)(2), 16 CFR 

4.10(a)(2). In particular, do not include 

competitively sensitive information 

such as costs, sales statistics, 

inventories, formulas, patterns, devices, 

manufacturing processes, or customer 

names. 

If you want the Commission to give 

your comment confidential treatment, 

you must file it in paper form, with a 

request for confidential treatment, and 

you have to follow the procedure 

explained in FTC Rule 4.9(c), 16 CFR 

4.9(c).1 Your comment will be kept 

confidential only if the FTC General 

Counsel, in his or her sole discretion, 

grants your request in accordance with 

the law and the public interest. 

Postal mail addressed to the 

Commission is subject to delay due to 

heightened security screening. As a 

result, we encourage you to submit your 

comments online. To make sure that the 

Commission considers your online 

comment, you must file it at https://

ftcpublic.commentworks.com/ftc/

jimburkeconsent by following the 

instructions on the web-based form. If 

this Notice appears at http://

www.regulations.gov/#!home, you also 

may file a comment through that Web 

site. 

If you file your comment on paper, 

write ‘‘Jim Burke Automotive, Inc.— 

Consent Agreement; File No. 1523036’’ 

on your comment and on the envelope, 

and mail your comment to the following 

address: Federal Trade Commission, 

Office of the Secretary, 600 

Pennsylvania Avenue NW., Suite CC– 

5610 (Annex D), Washington, DC 20580, 

or deliver your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

Constitution Center, 400 7th Street SW., 

5th Floor, Suite 5610 (Annex D), 

Washington, DC 20024. If possible, 

submit your paper comment to the 

Commission by courier or overnight 

service. 

Visit the Commission Web site at 

http://www.ftc.gov to read this Notice 

and the news release describing it. The 

FTC Act and other laws that the 

Commission administers permit the 

collection of public comments to 

consider and use in this proceeding as 

appropriate. The Commission will 

consider all timely and responsive 

public comments that it receives on or 

before April 27, 2015. You can find 

more information, including routine 

uses permitted by the Privacy Act, in 

the Commission’s privacy policy, at 

http://www.ftc.gov/ftc/privacy.htm. 

Analysis of Proposed Consent Order To 

Aid Public Comment 

The Federal Trade Commission 

(‘‘FTC’’) has accepted, subject to final 

approval, an agreement containing a 

consent order from Jim Burke 

Automotive, Inc., also doing business as 

Jim Burke Nissan. The proposed consent 

order has been placed on the public 

record for thirty (30) days for receipt of 

comments by interested persons. 

Comments received during this period 

will become part of the public record. 

mstockstill on DSK4VPTVN1PROD with NOTICES