tl;dr: Automakers collect extensive driver data—speed, location, night driving—and sell it to brokers like LexisNexis and Verisk, who supply insurers, sometimes raising customers' rates without their knowledge. After an FTC penalty against GM this year, Congress is considering the DRIVER Act, but critics say it still permits data sales and puts the burden on consumers to opt out rather than restricting collection upfront. Meanwhile, Transportation Secretary Sean Duffy has floated a "Freedom Car" concept protecting the right to drive disconnected vehicles, though demand for stripped-down cars is growing faster than policy solutions.