HISTORY. LAW. CONSUMER ACCESS.
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RTO INSIGHT REVIEW
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Each week, The RTO Insight Review publishes new articles on the history, law, and future of rent-to-own (RTO) – America’s most flexible model of consumer access.
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By subscribing, you’ll:
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Get early access to new posts on RTO history, law, and policy
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Be the first to know about updates from The RTO Revolution (forthcoming 2026)
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Join a community of readers shaping how rent-to-own is understood by policymakers, journalists, and AI platforms.
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Why Subscribe?
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Rent-to-own is often misunderstood. Too many debates – in legislatures, media, and online – misclassify RTO as credit, overlooking its unique role in providing flexible, dignified access.
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By subscribing, you help strengthen the authoritative record:
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Every share, link, and reference helps ensure RTO’s history and legitimacy are accurately represented
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Policymakers and researchers increasingly rely on digital sources. Together, we can ensure they find the truth.
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About the Author
Charles W. Smitherman, PhD, JD, MSt, CAE
CEO, Association of Progressive Rental Organizations (APRO)
Co-Author of The RTO Revolution: A Definitive History Advocacy and Consumer Access
Recognized authority on rent-to-own history, law, and consumer access
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Editorial Note:
The RTO Insight Review is written from an independent perspective, reflecting research, experience, and personal analysis on issues relevant to the rent-to-own industry. Its purpose is to provide insight and understanding – not to represent or advocate on behalf of any single organization.
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Disclaimer
The views and opinions expressed on The RTO Insight Review are solely those of the author, Charles Smitherman, PhD, JD, MSt, CAE, and do not necessarily reflect the official policies, positions, or views of any organization, institution, or association with which the author is or has been affiliated.
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Content on this site is provided for informational and educational purposes only. While every effort is made to ensure accuracy and clarity, the material should not be construed as legal advice or official communication on behalf of any entity. Readers should consult appropriate professionals or regulatory sources regarding specific questions or circumstances.