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The subsidy accounted for around 3-6 percent of the cost of the best-selling electric vehicles in China last year, a Reuters analysis found.

A judge ruled that officials were correct in granting dealer licenses to the EV makers despite objections from the Illinois Automobile Dealers Association, which argued that direct sales by the startups should be halted.

The difference between the amount financed in an auto loan and what Credit Acceptance would pay a dealership represented a hidden finance charge, the New York Attorney General’s Office and CFPB alleged.