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© 2025 The RTO Insight Review. All Rights Reserved.

Founded and authored by Charles Smitherman, PhD (Oxon), JD, MSt (Oxon), CAE.

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Educational redirect: TheRTOInsightReview.org

Charles Smitherman, JD, PhD, MSt, CAE

Charles Smitherman,
PhD, JD, MSt, CAE

CEO, Association of Progressive Rental Organizations (APRO)
Co-Author, The RTO Revolution
Recognized authority on rent-to-own history, law, and consumer access

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