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The bank said that it was merging its motor finance businesses under its Black Horse brand.
It said that HBOS's asset and motor finance division, which also offers car finance, was largely commercially unviable.
Richard Jones, managing director of motor finance provider Black Horse, part of Lloyds Banking Group, was more upbeat.
Or there will suddenly be lots of motor finance fraud in an area and then it will suddenly die off.
The Finance & Leasing Association, the trade association for the asset, consumer and motor finance sectors in the UK, said it agreed with the OFT's findings on price controls.
The firm is active in several markets, including motor finance, commercial property and small business lending, and loaned €435 million last year.
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We specialise in inquiries relating to the motor financing industry.
The Consumer Finance segment group consists of consumer and corporate credit card businesses, along with Black Horse motor financing and Lex Autolease car leasing businesses in asset finance.
Hyundai Motor, Kia Motors, Hyundai Capital and INI Steel, all part of Hyundai Automotive, are buying shares valued at 454.7 billion won ($381 million) in Hyundai Capital Services, the motor vehicle financing company that owns Hyundai Card.
Make inquiries about motor home financing.
(Sportsmobiles are eligible for 15-year motor-home financing).
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