See if this helps. It came from our forms vendor.
"As part of a recent settlement agreement, GMAC has agreed to include a new disclosure in all of their contracts. Because of this, many XXXX customers have requested the same disclosure on their auto contracts. This disclosure addresses the fact that the Borrower may negotiate the APR with the Seller and, if the contract is assigned, the Seller may retain part of the Finance Charge. At this time, there is no regulatory requirement to include this disclosure on the Auto Contract; it is solely a business decision to be made by XXXXX customers.
XXXX is always responsive to customer requests and, as a result, we have developed auto contracts containing this disclosure. Previous revisions of XXXX auto contracts without the disclosure will also continue to be available."