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This two issue series documents how market forces and regulatory inaction have fostered a pattern of impropriety and lawbreaking among major lenders. The first issue focused on how Citigroup has become the leader in "subprime loans" targeted at moderate-income and minority borrowers. The article is supplemented by a timeline, sidebars and maps and tells the story of people whose financial lives have been wrecked by Citigroup's practices. Then, SE conducts an investigation of the subprime autofinancing market, They find that questionable car sales tactics are institutionalized practices fueled by top-down market forces and the policies of GMAC, Nissan and other big players.