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Dealers are experiencing Facebook ad disapprovals for automotive financing offers due to Facebook's new Special Ad Category requirements, which were implemented following HUD's lawsuit over Fair Housing Act violations in car loan advertising. The restriction prohibits demographic targeting (age, gender, behavior, zip codes) and limits geographic radius to 15 miles, making traditional performance-based targeting impossible. While some dealers have found workarounds (linking to homepages without financing mentions, using approved third-party data providers, or accepting the credit-specific targeting limitations), the consensus is that compliance is mandatory but the resulting targeting constraints significantly impact lead quality and campaign performance.