Answer
$(4y^{2}-3)(3y+1)$
Work Step by Step
$12y^{3}+4y^{2}-9y-3=$
...factor out the GCF of each group of two terms.
$=4y^{2}(3y+1)-3(3y+1)$
...factor out the common factor, $3y+1$.
$=(4y^{2}-3)(3y+1)$
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