The Crime of Selling Your New Car

The right to resell personal possessions drives everything from neighborhood yard sales to Craigslist to eBay.

Say Kate sells John a radio. At some point, John buys a new model or simply tires of it, and offers it for sale to Jack. Kate is unlikely to know when and under what circumstances Jack buys the radio. After all, John paid her fully and fairly for it. Such a transaction seems to be entirely straightforward.

Now say that instead of a radio, Kate sells John a luxury car. And that Kate is a saleswoman at a dealership. John purchases the car legally and pays for it in full. Then John sells the car to Jack – only this time, Jack happens to live in China.

Evidently we now need to involve federal prosecutors.

So it seems, at least, based on a recent article in The New York Times, which examined federal prosecutors’ efforts in six states to prosecute buyers who purchase luxury vehicles and resell them in China where demand – and prices – are high. United States Attorney John Kacavas, of New Hampshire, told The Times, “What we have found is a scam or people looking to make a fast buck.”

Fraud is a crime. Wanting to earn money, on its own, is not.

I thought I owned a car once I bought it, and that ownership lets me do with it what I want. These cases raise some questions, such as: How long do I have to keep the car before I can resell it without triggering alarms? Why does it matter if the buyer is American, or Canadian, or Chinese? And how on earth did federal prosecutors get involved in sorting these questions out?

I am not the only one to ask. Aitan Goelman, a former federal prosecutor, questioned whether limited resources might be better applied elsewhere. “If you can prove some kind of deception, that usually is enough to let you bring the case as a legal matter,” he said. “But the more interesting question is, should you, considering scarce prosecutorial resources.” Actually, I thought that in most cases of fraud, someone must be not only deceived, but also injured. (Otherwise, beware of inviting your romantic partner out to dinner as a pretext to arrange a surprise party. You might be charged with defrauding them out of dinner.)

Back to the subject of car exports. The deception, in most cases, comes in the form of a “straw buyer,” someone who will conduct the actual purchase on behalf of the exporter. In some cases, straw buyers simply allow dealerships to think they are making personal purchases. Other buyers are actually deceptive, giving prosecutors a jumping-off point for their pursuit. In New Hampshire, two men fraudulently obtained local driver’s licenses as part of their operation, triggering the only instance of the federal investigations known to involve criminal charges thus far.

The straw buyers pay for the cars, usually with cashier’s checks, and register them under their own names. They then turn over the cars, receiving payment for their labor, and the exporters have technically used vehicles in hand that can be sold overseas.

Exporters are fighting back against prosecutors’ efforts to seize vehicles and bring lawsuits in what is, they argue, essentially a civil dispute. Michael Downs, of Fort Lauderdale, Fla., has proactively filed a lawsuit in federal court, attempting to secure a declaratory judgment that his business is legal. Downs told The Times that his company complies with all state and federal laws, though New York prosecutors have sought to freeze a company bank account and seize cars.

Ely Goldin, an attorney representing a couple who have also run afoul of federal prosecutors’ efforts to stop this practice, told The Wall Street Journal that the government should not make a criminal case out of a civil dispute between car dealerships and their customers. “Why should a buyer of a car be prohibited from exporting a car after he paid top dollar for it?” Goldin asked.

The question is a good one, and the government has yet to provide a satisfactory answer. And as China’s used car market continues to grow, the large gap between the cost of a new luxury car in the U.S. and a pre-owned car’s resale value in China will continue to attract the attention of entrepreneurs willing to expend the time and effort to pursue the venture.

Automakers have rules forbidding dealerships from willingly selling cars to known exporters. Those rules should make this business a struggle between auto manufacturers and resellers – a dispute in which federal prosecutors have no clear place. But until someone like Downs can get a judicial opinion, the threat of criminal prosecution will continue to dominate what should be a matter for, if anything, private litigation.

People looking to make a buck, absent any fraud, is just capitalism. Federal prosecutors should have better things to do than serving as the muscle behind car makers and their dealers.

About Larry M. Elkin 564 Articles

Affiliation: Palisades Hudson Financial Group

Larry M. Elkin, CPA, CFP®, has provided personal financial and tax counseling to a sophisticated client base since 1986. After six years with Arthur Andersen, where he was a senior manager for personal financial planning and family wealth planning, he founded his own firm in Hastings on Hudson, New York in 1992. That firm grew steadily and became the Palisades Hudson organization, which moved to Scarsdale, New York in 2002. The firm expanded to Fort Lauderdale, Florida, in 2005, and to Atlanta, Georgia, in 2008.

Larry received his B.A. in journalism from the University of Montana in 1978, and his M.B.A. in accounting from New York University in 1986. Larry was a reporter and editor for The Associated Press from 1978 to 1986. He covered government, business and legal affairs for the wire service, with assignments in Helena, Montana; Albany, New York; Washington, D.C.; and New York City’s federal courts in Brooklyn and Manhattan.

Larry established the organization’s investment advisory business, which now manages more than $800 million, in 1997. As president of Palisades Hudson, Larry maintains individual professional relationships with many of the firm’s clients, who reside in more than 25 states from Maine to California as well as in several foreign countries. He is the author of Financial Self-Defense for Unmarried Couples (Currency Doubleday, 1995), which was the first comprehensive financial planning guide for unmarried couples. He also is the editor and publisher of Sentinel, a quarterly newsletter on personal financial planning.

Larry has written many Sentinel articles, including several that anticipated future events. In “The Economic Case Against Tobacco Stocks” (February 1995), he forecast that litigation losses would eventually undermine cigarette manufacturers’ financial position. He concluded in “Is This the Beginning Of The End?” (May 1998) that there was a better-than-even chance that estate taxes would be repealed by 2010, three years before Congress enacted legislation to repeal the tax in 2010. In “IRS Takes A Shot At Split-Dollar Life” (June 1996), Larry predicted that the IRS would be able to treat split dollar arrangements as below-market loans, which came to pass with new rules issued by the Service in 2001 and 2002.

More recently, Larry has addressed the causes and consequences of the “Panic of 2008″ in his Sentinel articles. In “Have We Learned Our Lending Lesson At Last” (October 2007) and “Mortgage Lending Lessons Remain Unlearned” (October 2008), Larry questioned whether or not America has learned any lessons from the savings and loan crisis of the 1980s. In addition, he offered some practical changes that should have been made to amend the situation. In “Take Advantage Of The Panic Of 2008” (January 2009), Larry offered ways to capitalize on the wealth of opportunity that the panic presented.

Larry served as president of the Estate Planning Council of New York City, Inc., in 2005-2006. In 2009 the Council presented Larry with its first-ever Lifetime Achievement Award, citing his service to the organization and “his tireless efforts in promoting our industry by word and by personal example as a consummate estate planning professional.” He is regularly interviewed by national and regional publications, and has made nearly 100 radio and television appearances.

Visit: Palisades Hudson

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