Auto Brokers Corporation

Text (OCR of the scan at left; may contain errors)

In tee MatTTer oF AUTO BROKERS CORPORATION, ET AL.

CONSENT ORDER, ETC., IN REGARD TO THE ALLEGED VIOLATIONS OF THE FEDDBRAL TRADE COMMISSION AND THE TRUTH IN LENDING ACTS Docket C-2440. Complaint, Sept. 11, 19783—Decision, Sept. 11, 1978. Consent order requiring a Falls Church, Virginia, retailer and distributor of used cars, among other things to cease violating the Truth in Lending Act 394 Complaint by failing to disclose to consumers, in connection with the extension of consumer credit, such information as required by Regulation Z of the said Act. Appearances For the Commission: James Tangires, Bernard Rowite and Michael Vitale.

For the respondents: Paul L. Pascal, Wash., D.C. Complaint Pursuant to the provisions of the Truth in Lending Act and the implementing regulation promulgated thereunder, and the Federal Trade Commission Act, and by virtue of the authority vested it by said Acts, the Federal Trade Commission, having reason to believe that Auto Brokers Corporation, a corporation, trading and doing business as Auto Broker Corporation, and Earl M. McGee, individually and as an officer of said corporation, hereinafter sometimes referred to as respondents, have violated the provisions of said Acts implementing regulation, and it appearing to the Commission that a proceeding by it in respect thereof would be in the public interest, hereby issues its complaint stating its charges in that respect as follows: Paracrapu 1. Respondent Auto Brokers Corporation, trading and doing business as Auto Broker Corporation, is a corporation organized, existing and doing business under and by virtue of the Jaws of the State of Virginia, with its principal office and place of business located at 6298 Arlington Boulevard, Falls Church, Virginia. Respondent Earl M. McGee is an officer of the corporate respondent. He formulates, directs and controls the policies, acts and practices of the corporation, including the acts and practices hereinafter set forth. His address is the same as that of the corporate respondent. Par. 2. Respondents are now, and for some time last past have been engaged in the offering for sale and retail sale and distribution of used cars to the public.

Par. 8. In the ordinary course and conduct of their business as aforesaid, respondents regularly extend consumer credit as “consumer credit” is defined in Regulation Z, the implementing regulation of the Truth in Lending Act, duly promulgated by the Board of Governors of the Federal Reserve System.

Par. 4. Subsequent to July 1, 1969, respondents, in the ordinary course of business as aforesaid, and in connection with the credit sales, _ as “credit sale” is defined in Regulation Z, have caused and are causing customers to execute a binding Used Car Order Contract, hereinafter 396 — FEDERAL TRADE COMMISSION DECISIONS Complaint 83 F.T.C.

referred to as the “Order Contract.” Respondents do not provide these customers with any other consumer credit cost disclosure. By and through the use of the order contract, respondents : ‘1. Fail, in some instances, to disclse the annual percentage rate with an accuracy at least to the nearest quarter of one percent in accordance with Section 226.5 of Regulation Z, as required by Section 226.8 (b) (2) of Regulation Z.

2. Fail, in some instances, to disclose the number of payments scheduled to repay the indebtedness, as required by Section 226.8(b) (3) of Regulation Z.

3. Fail, in some instances, to disclose the sum of the payments scheduled to repay the indebtedness, using the term “total of payments,” as required by Section 226.8(b) (3) of Regulation Z. 4, Fail, in some instances, to identify the amount or method of computing the amount of any default, delinquency or similar charge payable in the event of late payments, as required by Section 226.8(b) (4) of Regulation Z.

5,5 1 3 7 1 2 708 1248 89 40 96.632286 Fail,5 1 3 7 1 3 812 1247 37 32 96.538986 in5 1 3 7 1 4 864 1256 89 23 96.538986 some5 1 3 7 1 5 968 1244 178 40 96.828247 instances,5 1 3 7 1 6 1162 1247 37 28 96.787613 to5 1 3 7 1 7 1210 1241 146 34 96.938042 discloses 1 3 7 1 8 1370 1241 59 31 96.462654 thes 1 3 7 1 9 1443 1239 264 40 96.462654 downpayments 1 3 7 1 10 1722 1236 35 32 96.562889 in5 1 3 7 1 11 1772 1238 165 39 96.795799 property4 1 3 7 2 0 622 1286 1314 55 -1 5 1 3 7 2 1 622 1300 100 41 96.921646 using5 1 3 7 2 2 733 1299 59 31 96.921646 thes 1 3 7 2 3 803 1291 87 38 96.996078 terms 1 3 7 2 4 902 1295 201 40 96.923752 “trade-in,”5 1 3 7 2 5 1116 1304 36 22 96.555725 as5 1 3 7 2 6 1164 1292 157 43 96.555725 required5 1 3 7 2 7 1333 1292 45 40 96.947525 by5 1 3 7 2 8 1390 1289 138 35 96.728157 Sections 1 3 7 2 9 1539 1290 91 30 96.728157 226.85 1 3 7 2 10 1639 1287 50 42 92.390984 (c)5 1 3 7 2 11 1702 1287 54 42 96.631142 (2)5 1 3 7 2 12 1774 1286 40 31 93.270966 of5 1 3 7 2 13 1825 1286 111 40 91.832336 Regu-4 1 3 7 3 0 624 1349 158 34 -1 5 1 3 7 3 1 624 1349 109 34 93.187599 lations 1 3 7 3 2 744 1349 38 32 89.272606 Z.3 1 3 8 0 0 624 1387 1314 156 -1 4 1 3 8 1 0 667 1387 1270 52 -1 5 1 3 8 1 1 667 1403 28 29 96.521049 6.5 1 3 8 1 2 710 1399 89 40 96.785858 Fail,5 1 3 8 1 3 813 1398 35 32 96.802193 in5 1 3 8 1 4 862 1408 90 22 96.727852 some5 1 3 8 1 5 965 1397 178 38 96.675583 instances,5 1 3 8 1 6 1154 1398 36 27 96.887398 to5 1 3 8 1 7 1204 1392 143 33 96.937836 discloses 1 3 8 1 8 1360 1392 58 30 96.667290 thes 1 3 8 1 9 1430 1401 74 21 88.083885 sums 1 3 8 1 10 1518 1389 40 33 88.083885 of5 1 3 8 1 11 1568 1389 57 32 96.580261 thes 1 3 8 1 12 1638 1388 100 32 96.659523 “cash5 1 3 8 1 13 1753 1387 184 40 91.506805 downpay-4 1 3 8 2 0 625 1437 1313 48 -1 5 1 3 8 2 1 625 1451 112 32 96.828880 ment”5 1 3 8 2 2 755 1449 66 32 96.658203 ands 1 3 8 2 3 835 1449 60 31 96.033432 thes 1 3 8 2 4 909 1446 191 33 96.033432 “trade-in”5 1 3 8 2 5 1115 1444 101 41 96.216522 using5 1 3 8 2 6 1230 1443 59 32 96.675842 thes 1 3 8 2 7 1303 1446 88 28 96.030907 terms 1 3 8 2 8 1405 1440 106 32 96.925591 “totals 1 3 8 2 9 1527 1437 297 42 96.350471 downpayment,”5 1 3 8 2 10 1838 1447 37 20 93.213966 as5 1 3 8 2 11 1890 1446 48 21 93.107979 re-4 1 3 8 3 0 624 1491 869 52 -1 5 1 3 8 3 1 624 1500 119 43 96.914917 quired5 1 3 8 3 2 754 1500 46 41 96.392616 by5 1 3 8 3 3 812 1498 135 35 96.392616 Sections 1 3 8 3 4 958 1499 91 30 25.640778 226.85 1 3 8 3 5 1057 1496 50 41 25.640778 (c)5 1 3 8 3 6 1122 1495 52 42 96.399292 (2)5 1 3 8 3 7 1191 1494 39 32 97.013084 of5 1 3 8 3 8 1240 1491 208 44 93.114929 Regulations 1 3 8 3 9 1459 1491 34 31 90.053940 Z.3 1 3 9 0 0 627 1536 1315 156 -1 4 1 3 9 1 0 670 1536 1272 54 -1 5 1 3 9 1 1 670 1551 29 32 38.498283 7%.5 1 3 9 1 2 723 1550 89 40 96.248444 Fail,5 1 3 9 1 3 835 1549 35 31 96.536926 in5 1 3 9 1 4 892 1558 91 22 96.600395 some5 1 3 9 1 5 1006 1547 176 37 96.666245 instances,5 1 3 9 1 6 1206 1548 36 27 96.746223 to5 1 3 9 1 7 1264 1543 142 32 96.737358 discloses 1 3 9 1 8 1429 1542 58 30 96.692749 thes 1 3 9 1 9 1508 1540 183 32 96.427406 differences 1 3 9 1 10 1710 1539 152 30 96.716606 between5 1 3 9 1 11 1883 1536 59 31 96.884651 thea 1 3 9 2 0 627 1587 1315 55 -1 5 1 3 9 2 1 627 1602 79 32 95.559669 cash5 1 3 9 2 2 720 1600 93 42 96.953751 prices 1 3 9 2 3 826 1599 68 31 96.763176 ands 1 3 9 2 4 908 1599 57 31 96.946251 thes 1 3 9 2 5 977 1597 86 32 96.729309 totals 1 3 9 2 6 1076 1596 267 40 96.146133 downpayments 1 3 9 2 7 1355 1592 101 42 96.755074 using5 1 3 9 2 8 1468 1591 58 31 96.951508 thes 1 3 9 2 9 1538 1594 88 28 96.863419 terms 1 3 9 2 10 1638 1588 150 42 85.343597 “unpaid5 1 3 9 2 11 1801 1587 141 33 96.653862 balance4 1 3 9 3 0 628 1638 1240 54 -1 5 1 3 9 3 1 628 1652 39 31 96.953590 of5 1 3 9 3 2 679 1651 79 32 96.868027 cash5 1 3 9 3 3 772 1650 123 42 96.416267 price,”5 1 3 9 3 4 907 1659 37 21 96.416267 as5 1 3 9 3 5 956 1647 156 42 96.552277 required5 1 3 9 3 6 1122 1647 46 39 97.007225 by5 1 3 9 3 7 1181 1644 137 34 93.248718 Sections 1 3 9 3 8 1329 1642 151 41 77.264992 226.8(c)5 1 3 9 3 9 1495 1641 51 41 95.934532 (3)5 1 3 9 3 10 1565 1641 39 31 96.869560 of5 1 3 9 3 11 1615 1638 207 42 93.260094 Regulations 1 3 9 3 12 1834 1638 34 31 90.766380 Z.3 1 3 10 0 0 628 1687 1314 156 -1 4 1 3 10 1 0 670 1687 1272 54 -1 5 1 3 10 1 1 670 1704 27 30 95.154205 8.5 1 3 10 1 2 714 1700 89 41 96.776642 Fail,5 1 3 10 1 3 818 1701 37 30 95.515396 in5 1 3 10 1 4 870 1710 91 21 96.655426 some5 1 3 10 1 5 975 1698 180 38 96.667336 instances,5 1 3 10 1 6 1166 1699 39 29 95.963882 to5 1 3 10 1 7 1219 1695 142 33 96.112343 discloses 1 3 10 1 8 1373 1693 60 32 97.003632 thes 1 3 10 1 9 1447 1694 141 29 96.416344 amounts 1 3 10 1 10 1601 1690 40 32 96.805428 of5 1 3 10 1 11 1653 1689 110 33 96.022301 credits 1 3 10 1 12 1775 1687 167 33 96.097633 extended4 1 3 10 2 0 628 1737 1309 57 -1 5 1 3 10 2 1 628 1752 102 42 96.360481 using5 1 3 10 2 2 744 1752 57 30 96.360481 thes 1 3 10 2 3 814 1755 88 27 96.718491 terms 1 3 10 2 4 916 1749 160 32 96.708237 “amounts 1 3 10 2 5 1091 1746 184 39 96.599831 financed,”5 1 3 10 2 6 1290 1755 35 21 96.771408 as5 1 3 10 2 7 1340 1742 157 43 96.680130 required5 1 3 10 2 8 1510 1742 45 40 96.978889 by5 1 3 10 2 9 1567 1740 139 34 96.593895 Sections 1 3 10 2 10 1719 1741 91 29 49.894096 226.85 1 3 10 2 11 1819 1738 50 42 49.894096 (c)5 1 3 10 2 12 1885 1737 52 41 96.432510 (7)4 1 3 10 3 0 628 1800 304 43 -1 5 1 3 10 3 1 628 1803 39 32 95.943428 of5 1 3 10 3 2 679 1800 208 43 93.164703 Regulations 1 3 10 3 3 898 1800 34 31 83.776291 Z.3 1 3 11 0 0 631 1837 1315 259 -1 4 1 3 11 1 0 674 1837 1269 53 -1 5 1 3 11 1 1 674 1855 29 30 96.105438 9.5 1 3 11 1 2 721 1851 88 39 95.417290 Fail,5 1 3 11 1 3 826 1851 35 31 96.943199 in5 1 3 11 1 4 877 1860 91 21 96.267273 some5 1 3 11 1 5 984 1848 178 39 96.109009 instances,5 1 3 11 1 6 1180 1851 37 27 96.965126 to5 1 3 11 1 7 1232 1845 143 32 96.839874 discloses 1 3 11 1 8 1388 1844 60 31 96.930389 thes 1 3 11 1 9 1463 1854 75 21 96.598862 sums 1 3 11 1 10 1553 1841 40 32 96.749512 of5 1 3 11 1 11 1607 1842 59 31 96.582458 thes 1 3 11 1 12 1681 1840 80 32 96.582458 cash5 1 3 11 1 13 1777 1838 103 43 96.807449 price,5 1 3 11 1 14 1897 1837 46 32 96.486320 all4 1 3 11 2 0 631 1890 1315 54 -1 5 1 3 11 2 1 631 1904 141 40 96.511230 charges5 1 3 11 2 2 788 1901 112 32 96.655258 which5 1 3 11 2 3 916 1911 57 20 96.849411 ares 1 3 11 2 4 988 1898 159 32 96.393967 included5 1 3 11 2 5 1162 1897 38 32 96.629410 in5 1 3 11 2 6 1213 1896 60 31 95.948730 thes 1 3 11 2 7 1288 1897 140 30 96.432541 amounts 1 3 11 2 8 1442 1893 154 32 96.323334 financed5 1 3 11 2 9 1611 1892 62 31 96.000153 but5 1 3 11 2 10 1687 1890 112 31 96.731537 which5 1 3 11 2 11 1813 1900 58 20 96.178459 ares 1 3 11 2 12 1885 1890 61 30 96.469635 nota 1 3 11 3 0 631 1940 1314 56 -1 5 1 3 11 3 1 631 1957 79 39 96.318916 parts 1 3 11 3 2 723 1953 40 31 96.670868 of5 1 3 11 3 3 774 1952 60 32 96.670868 thes 1 3 11 3 4 846 1951 131 32 96.950775 finances 1 3 11 3 5 989 1950 134 41 96.835854 charge,5 1 3 11 3 6 1137 1948 68 32 96.854218 ands 1 3 11 3 7 1217 1948 60 31 96.994370 thes 1 3 11 3 8 1288 1940 131 38 96.296211 finances 1 3 11 3 9 1431 1944 133 41 96.723999 charge,5 1 3 11 3 10 1578 1941 193 42 96.113678 describing5 1 3 11 3 11 1782 1940 78 32 96.123352 that5 1 3 11 3 12 1871 1950 74 22 96.914040 sum4 1 3 11 4 0 634 1989 1306 53 -1 5 1 3 11 4 1 634 2015 37 21 93.332611 as5 1 3 11 4 2 688 2004 58 31 95.200752 thes 1 3 11 4 3 763 2001 180 33 95.200752 “deferred5 1 3 11 4 4 960 2003 162 39 96.679245 payments 1 3 11 4 5 1138 1998 124 41 96.679245 price,”5 1 3 11 4 6 1280 2007 36 21 96.960770 as5 1 3 11 4 7 1334 1995 156 42 96.960770 required5 1 3 11 4 8 1506 1994 44 41 97.018890 by5 1 3 11 4 9 1570 1992 136 34 96.984489 Sections 1 3 11 4 10 1723 1992 87 31 27.334358 226.85 1 3 11 4 11 1823 1990 50 40 27.334358 (c)5 1 3 11 4 12 1888 1989 52 41 96.387604 (8)4 1 3 11 5 0 640 2046 476 50 -1 5 1 3 11 5 1 640 2055 58 41 96.082954 (ii)5 1 3 11 5 2 716 2054 40 32 96.282585 of5 1 3 11 5 3 767 2052 208 42 93.096870 Regulations 1 3 11 5 4 986 2051 34 32 88.897202 Z.3 1 3 12 0 0 635 2090 1315 204 -1 4 1 3 12 1 0 678 2090 1270 48 -1 5 1 3 12 1 1 678 2105 81 32 92.850113 Par.5 1 3 12 1 2 780 2106 27 29 96.911476 5.5 1 3 12 1 3 829 2103 172 31 96.829376 Pursuant5 1 3 12 1 4 1018 2103 38 29 95.878067 to5 1 3 12 1 5 1075 2098 136 35 93.156685 Sections 1 3 12 1 6 1233 2097 119 41 92.450928 103(q)5 1 3 12 1 7 1377 2097 40 32 96.087410 of5 1 3 12 1 8 1433 2096 59 31 96.087410 thes 1 3 12 1 9 1510 2093 112 42 96.142555 Truth5 1 3 12 1 10 1641 2092 35 32 96.915947 in5 1 3 12 1 11 1694 2091 159 41 96.844238 Lending5 1 3 12 1 12 1870 2090 78 39 96.691826 Act,4 1 3 12 2 0 635 2141 1315 55 -1 5 1 3 12 2 1 635 2154 231 42 84.787170 respondents’5 1 3 12 2 2 879 2151 172 34 96.841766 aforesaid5 1 3 12 2 3 1064 2151 144 32 96.810638 failures5 1 3 12 2 4 1218 2152 37 29 96.669365 to5 1 3 12 2 5 1267 2147 135 41 96.384613 comply5 1 3 12 2 6 1415 2146 84 32 96.942551 with5 1 3 12 2 7 1511 2143 207 43 93.262901 Regulations 1 3 12 2 8 1730 2143 24 32 92.702309 Z5 1 3 12 2 9 1767 2141 183 33 97.003830 constitute4 1 3 12 3 0 637 2189 1311 53 -1 5 1 3 12 3 1 637 2205 181 33 96.651176 violations5 1 3 12 3 2 835 2204 39 31 96.998711 of5 1 3 12 3 3 888 2203 78 31 96.816811 that5 1 3 12 3 4 981 2202 68 31 96.372589 Acts 1 3 12 3 5 1065 2201 78 39 96.372589 and,5 1 3 12 3 6 1161 2201 168 41 96.027710 pursuant5 1 3 12 3 7 1343 2201 38 28 96.243248 to5 1 3 12 3 8 1397 2196 137 33 96.538528 Sections 1 3 12 3 9 1552 2189 58 37 96.397629 1085 1 3 12 3 10 1627 2193 144 40 93.271782 thereof,5 1 3 12 3 11 1787 2190 161 42 92.440117 respond-4 1 3 12 4 0 636 2243 1154 51 -1 5 1 3 12 4 1 636 2259 72 29 96.390137 ents5 1 3 12 4 2 719 2256 87 31 96.800140 have5 1 3 12 4 3 815 2253 141 41 96.475334 thereby5 1 3 12 4 4 967 2251 150 33 96.475334 violated5 1 3 12 4 5 1126 2250 60 31 96.731354 thes 1 3 12 4 6 1196 2248 146 33 96.558167 Federal5 1 3 12 4 7 1352 2247 114 32 96.322838 Trades 1 3 12 4 8 1477 2243 225 36 96.085373 Commissions 1 3 12 4 9 1713 2243 77 32 96.535812 Act. weve 394 Decision and Order Decision AND ORDER The Federal Trade Commission having initiated an investigation of certain acts and practices of the respondents named in the caption hereof, and the respondents having been furnished thereafter a copy of a draft of complaint which the Washington, D.C. Regional Office proposed to present to the Commission for its consideration and which, if issued by the Commission, would charge respondents with violation of the Truth in Lending Act and the implementing regulation promulgated thereunder, and the Federal Trade Commission Act; and ‘The respondents and counsel for the Commission having thereafter executed an agreement containing a consent order, an admission by the respondents of all jurisdictional facts set forth in the aforesaid draft of complaint, a statement that the signing of said agreement is for settlement purposes only and does not constitute an admission by respondents that the law has been violated as alleged in such complaint, and waivers and other provisions as required by the Commission’s rules; and The Commission having thereafter considered the matter and having determined that it had reason to believe that the respondents have violated the said Acts, and that complaint should issue stating its charges in that respect, and having thereupon accepted the executed consent agreement and placed such agreement on the public record for a period of thirty (30) days, now in further conformity with the procedure prescribed in Section 2.34(b) of its rules, the Commission hereby issues its complaint, makes the following jurisdictional findings, and enters the following order :

1. Respondent Auto Brokers Corporation, trading and doing business as Auto Broker Corporation, is a corporation organized, existing and doing business under and by virtue of the laws of the State of Virginia, with its principal office and place of business located 6298 Arlington Boulevard, Falis Church, Virginia. Respondent Earl M. McGee is an officer of said corporation. He formulates, directs and controls the policies, acts and practices of said corporation. His address is the same as that of the corporate respondent. , 9. The Federal Trade Commission has jurisdiction of the subject matter of this proceeding and of the respondents, and the proceeding is in the public interest.

Decision and Order 83 F.T.C.

ORDER It is ordered, That respondents Auto Brokers Corporation, a corporation, trading and doing business as Auto Broker Corporation, or under any other name or names, its successors and assigns, and its officers, and Earl M. McGee, individually and as an officer of said corporation, and respondents’ agents, representatives, and employees, directly or through any corporation, subsidiary, division or other device, in connection with any extension of consumer credit or any advertisements to aid, promote, or assist, directly or indirectly, any extension of consumer credit, as “consumer credit” and “advertisement” are defined in Regulation Z (12 C.F.R. § 226) of the Truth in Lending Act (Pub. L. 90-821, 15 U.S.C. 1601 e¢ seg.), do forthwith cease and desist from:

1. Failing to disclose the annual percentage rate with an accuracy at least to the nearest quarter of one percent in accordance with ‘Section 226.5 of Regulation Z, as required by Section 226.8 (b) (2) of Regulation Z.

2. Failing to disclose the number of payments scheduled to repay the. indebtedness, as required by Section 226.8(b) (3) of Regulation Z.

3. Failing to disclose the sum of the payments scheduled to repay the indebtedness, using the term “total of payments,” as required by Section 226.8(b) (3) of Regulation Z. 4. Failing to identify the amount or method of computing the amount of any default, delinquency or similar charge payable in the event of late payments, as required by Section 226.8(b) (4) of Regulation Z.

5. Failing to disclose the downpayment in property using the term “trade-in,” as required by Section 226.8(c) (2) of Regulation Z.

6. Failing to disclose the sum of the “cash downpayment” and the “trade-in” using the term “total downpayment,” as required by Section 226.8(c) (2) of Regulation Z.

7. Failing to disclose the difference between the cash price and the total downpayment using the term “unpaid balance of cash price,” as required by Section 226.8(c) (3) of Regulation Z. 8. Failing to disclose the amount of credit extended using the term “amount financed,” as required by Section 226.8(c) (7) of Regulation Z.

AUTO BROKERS CORP., ET AL. 399 394 Decision and Order 9. Failing to disclose the sum of the cash price, all charges which are included in the amount financed but which are not part of the finance charge, and the finance charge, describing that sum as the “deferred payment price,” as required by Section 226.8(c) (8) (ii) of Regulation Z.

10. Failing in any consumer credit transaction or advertising to make all disclosures determined in accordance with Sections 226.4 and 226.5 of Regulation Z at the time and in the manner, form, and amount required by Sections 226.6, 226.8 and 226.10 of Regulation Z.

It is further ordered, That the respondents deliver a copy of this order to cease and desist to all present and future personnel of respondents engaged in the consummation of any extension of consumer credit or in any aspect of preparation, creation, or placing of advertising and that respondents secure a signed statement acknowledging receipt of said order from each such person. It is further ordered, That the individual respondent named herein promptly notify the Commission of the discontinuance of his present business or employment and of his affiliation with a new business or employment. Such notice shall include respondent’s current business address and a statement as to the nature of the business or employment in which he is engaged as well as a description of his duties and responsibilities.

It is further ordered, That respondents notify the Commission at least thirty (80) days prior to any proposed change in the corporate respondents, such as dissolution, assignment or sale, resulting in the emergence of a successor corporation, the creation or dissolution of subsidiaries, or any other change in the corporation which may affect compliance obligations arising out of the order. . It is further ordered, That the respondents herein shall, within sixty (60) days after service upon them of this order, file with the Commission a report, in writing, setting forth in detail the manner and form with which they have complied with the order to cease and desist contained therein.

Complaint 83 F.T.C.