Credit Acceptance Corp. has agreed to a sweeping $710 million settlement with 40 states and Washington, D.C., resolving allegations that the company pushed financially vulnerable consumers into unaffordable subprime auto loans and sold deceptive add-on products. The deal includes roughly $634 million in debt cancellation for more than 55,000 borrowers, along with restitution, civil penalties, and changes to the company’s lending and servicing practices. It also resolves related claims pending in federal court in Manhattan.

The allegations go to the heart of one of the most scrutinized areas in consumer finance: indirect auto lending.

A California federal judge has rejected CashCall’s latest bid to unwind a $157 million Consumer Financial Protection Bureau judgment, preserving a major consumer-finance enforcement result in a case that has been litigated for years. The decision is significant not only because of the size of the judgment, but also because the court reportedly took a dim view of the company’s repeated efforts to avoid finality.

The dispute arises from the CFPB’s long-running challenge to a lending program tied to tribal entities, where CashCall was accused of using a tribal-lending structure to make high-interest loans that violated state usury and consumer-protection laws.