The Texas heat would not be enough to deter a powerful and broad coalition of consumer groups, unions and international representatives with the UNI Global Finance Union from delivering a powerful message to Santander Consumer USA at their annual shareholders meeting: Listen to your workers and stop practices that lead to racial discrimination in vehicle lending. According to reports by consumer advocate organizations, dealer interest rate markups on vehicle loans have resulted in racial disparities for African American and Latino borrowers compared to similarly situated white borrowers.