Similar to the C.A.R.S. Program that drew from a government budget, the S.T.A.R.S Program will also replace less fuel-efficient cars with the assistance of National Highway Traffic Safety Administration & U.S. Department of Transportation. The S.T.A.R.S Program will allow all automotive manufacturers to install a data chip into their new and used vehicles. This electronic chip will act as a tracking, monitoring and operation device. This device will give more control and security to the financial institutions as it minimizes their risk and percentage of repossessions, missing vehicles, stolen vehicles and loan defaults. This increases the loan approvals for financial institutions, while widening the customer base for car dealers, insurance brokers, etc. Most financial institutions do not want to lend money to consumers with “bad” credit because their credit typically reflects a history of late or non-payments, leaving the bank to eat the cost of the depreciated vehicle.