According to @DowdEdward, the widely shared “15-year car loan” claim is likely satire or fake because he could not locate any supporting link on the alleged official website (source: Edward Dowd on X, Nov 11, 2025). Traders should treat the headline as unverified and avoid taking positions based on this claim until an authoritative source publishes official documentation (source: inference based on Edward Dowd on X, Nov 11, 2025). In the absence of verified policy or product details, there is no confirmed basis to reprice auto credit exposure, auto lenders, or related consumer-credit risk on this rumor (source: inference based on Edward Dowd on X, Nov 11, 2025).