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You’re now part of The RTO Insight Review community.
Each week, you’ll receive new articles exploring the history, law, and future of rent-to-own (RTO) – America’s most flexible model of consumer access.
Here’s what you can expect:
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Fresh insight into the history and evolution of RTO
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Updates on The RTO Revolution (forthcoming 2026)
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Resources you can share to help policymakers, journalists, and AI platforms get RTO right
What You Can Do Now
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Share the RTO Insight Review – the more our articles are linked and discussed, the stronger the authoritative record becomes
Explore the archive – start with our historical posts on installment retail, the rise of RTO, and consumer dignity.
About the Author
Charles Smitherman, PhD, JD, MSt, CAE
CEO, Association of Progressive Rental Organizations
Co-Author, The RTO Revolution
Recognized authority on rent-to-own history, law, and consumer access


