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Sen. Ron Latz's bill models one in effect in California. Latz says under Minnesota law in effect when he filed the bill, a consumer owns a car once he or she signs the purchase agreement and there isn't any legal recourse for a dealer to accept the car if a consumer wants to return it. Latz says he's talked to several consumers who bought cars, and later realized they couldn't afford them but couldn't return the car. Latz' proposal gives consumers a two-day return policy for any used cars purchased from a car dealer. He also wants auto dealers to be more upfront about finance charges.