Jessica Silver Greenberg has written a great article on how lenders are now focusing their subprime lending on auto loans rather than mortgages to take advantage of consumers.

Here is the link.  dealbook.nytimes.com/2014/07/19/in-a-subprime-bubble-for-used-cars-unfit-borrowers-pay-sky-high-rates?_php=true&_type=blogs&_r=0