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Future of sub prime auto finance?

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I am new to this forum but it is obvious there are a lot of experts in the banking industry on here. I am curious of what some of you think the future holds for the sub prime auto loan industry? Logically speaking, it would seem the future is very bright considering the large number of new people with damaged credit; however, the capital problems are the same they have been for the last year. Do you see this changing in the near future? Has the TALF done its job up to this point?

Thanks in advance for your comments!

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