Protect Your Used Car and Buy Here Pay Here Operations
Federal Compliance Training for Dealers - Protect Your Used Car and Buy Here Pay Here Operations
Stay ahead of changing rules with federal compliance training for dealers designed for used car, buy here pay here, lease here pay here, and subprime teams. This page gives you a practical path to meet regulatory expectations, reduce risk, and build a culture of compliance that supports consistent profitability. From the FTC Safeguards Rule and Red Flags Rule to GLBA, ECOA, FCRA, OFAC, UDAAP, and recordkeeping, our dealer focused education helps owners, GMs, compliance officers, collections, underwriting, and sales leaders put real world standards in place. Learn how to operationalize policies, coach your staff, document your controls, prepare for audits, and monitor ongoing compliance without slowing your store. Explore the curriculum, see how it maps to your daily workflow, and connect it to your broader growth and performance goals. Use this page as your guide to reduce penalties, avoid customer harm, and win ongoing trust in your market.
Use this page to register members of your dealership ASAP!
ONLY $299 For Each Addt'l Dealership Attendee
CAESARS ROOMS DISCOUNTED TO $189 a night
(Plus Resort Fee)
What You Will Gain From This Training
You will leave with policy templates, role based checklists, a practical testing and auditing cadence, and a training plan that fits your store rhythm. We align federal rules to your real process steps across sales, underwriting, funding, collections, and post sale service. If you operate across states, we help you layer federal guidance cleanly over local requirements to streamline execution and documentation.
Why Federal Compliance Training Matters For Dealers
Compliance is not just a legal box to check. It is a risk control system that protects your capital, your portfolio performance, and your reputation. Federal agencies look at how you advertise, qualify, price, originate, service, and collect. They expect clear policies, staff training, consistent execution, and proof that you test what you expect. When dealers align operations with federal rules, they cut charge offs tied to poor disclosures, reduce disputes, and keep collection strategies inside acceptable practices. Strong compliance also supports better lender and capital relationships, lowers vendor risk, and improves customer satisfaction by setting fair, transparent standards.
Core Federal Regulations Covered
- FTC Safeguards Rule and GLBA privacy program requirements, information security program, risk assessments, vendor oversight, and incident response
- Red Flags Rule identity theft prevention program and practical red flag triggers within sales and funding workflows
- ECOA and Regulation B, fair lending, adverse action notices, and consistent underwriting criteria tied to ability to pay and collateral risk
- FCRA and Regulation V, permissible purpose, dispute handling, Metro 2 reporting concepts, and data accuracy controls
- UDAAP principles that govern marketing, sales disclosures, add on products, payment processing, and collections language
- OFAC screening and recordkeeping integrated into your sales and funding steps and supported by vendor tools
Who Should Attend
- Owners and executive leadership shaping culture, accountability, and capital relationships
- Compliance officers and controllers responsible for policies, audits, and reporting
- Sales and F and I leaders who manage disclosures, menu practices, and adverse action steps
- Underwriting and funding teams who apply scorecards, verify data, and document decisions
- Collections and recovery teams who handle hardship, extensions, repossession, and customer communication
Training Format and Delivery
We deliver a blended learning experience that fits the cadence of a busy used car or buy here pay here operation. Core concepts are taught in focused sessions with practical examples. We then translate those concepts into checklists, forms, and scripts you can use the same day. Teams practice with live scenarios and data from your store where possible. We include knowledge checks, scenario based assessments, and job aids that make compliance a habit. For multi location organizations, we standardize a core policy set and tailor procedures by store size and local market.
Curriculum Highlights
- Policy architecture that links each regulation to your process maps across lead management, sales, contracting, funding, servicing, and collections
- Risk assessment that identifies inherent risk by function, then assigns controls, owners, frequencies, and evidence requirements
- Vendor management covering data processors, payment platforms, credit bureaus, GPS and starter interrupt devices, and marketing partners
- Safeguards program build out including encryption standards, access controls, user lifecycle, incident response, and testing plans
- Advertising and sales compliance for pricing, payment examples, disclosures, and add on products with simple menu language that avoids unfair practices
- Underwriting fairness through documented criteria, consistent application, adverse action notices, and exceptions governance with escalation paths
- Collections standards for hardship, payment processing, late fees, repossession, personal property handling, and communication scripts that pass review
Audit Readiness and Evidence
A program is only as strong as its evidence. We provide an audit readiness kit that maps each control to the proof you need. That includes training rosters and scores, signed policies, monitoring logs, vendor due diligence files, OFAC checks, exception reports, and call review notes. We also outline a quarterly and annual testing cadence to confirm that controls perform as designed. For multi store groups, we define a uniform evidence library with folder structures and retention timeframes so you can show consistency across locations.
Documented Workflows That Fit Your Store
Compliance fails when the steps do not match real work. We embed controls where your team already lives: CRM, DMS, payment system, or collections tools. Checklists become part of your delivery packet. Red flags trigger in your funding checklist before a contract moves to booking. Data validation and income verification steps are aligned to your pricing tiers. Scripts mirror your current collection stages with improved tone and fairness. We use job aids your staff will keep on their desk and test for understanding in short, targeted sessions.
Technology and Data Security Essentials
Dealers handle sensitive personal information every day. We help you implement practical data security controls that satisfy the Safeguards Rule without adding friction. Topics include user access by role, multi factor authentication where available, password policies that are easy to follow, secure storage for physical files, encryption for devices and backups, vendor security questionnaires, and incident response playbooks. We also plan tabletop exercises that simulate a breach so your leaders know who calls whom, what to document, and how to communicate.
Collections, Hardship, and Customer Care
Regulators look closely at how you treat customers when they fall behind. We show you how to build a hardship path that balances empathy with portfolio performance. That includes standardized extensions, deferral documentation, clear late fee rules, and call language that avoids pressure or misrepresentation. We guide you through compliant repossession steps, personal property handling, and deficiency balances. We also help you track disputes and complaints, tie them to root causes, and fix upstream issues in sales or underwriting where needed.
Multi Location and Growth Considerations
Growth should not dilute your standards. We design a core policy set you can scale, with location specific playbooks that respect local rules. Training is scheduled and tracked centrally. Exceptions and overrides are visible and reported. New store onboarding includes a 30, 60, 90 day compliance plan with scorecard targets. Leadership reviews include compliance metrics alongside sales, inventory, and collections outcomes, which reinforces that compliance is part of performance, not a separate project.
How Our Training Connects With Broader Dealer Education
Compliance touches every function, so we integrate it with operations, profitability, and leadership training. If you are exploring related topics, see these resources:
Operational Best Practices You Can Implement Now
- Add an adverse action review within 48 hours of each credit denial to verify notice content and timing
- Run OFAC checks at lead creation and again at funding to catch changes or typos in customer data
- Create a two minute disclosure script for sales and record sample calls weekly for coaching and evidence
- Log every extension or deferral with reason codes and approvals to protect consistency and fairness
- Require vendor security attestations annually and confirm data deletion terms in your contracts
Measurement and Monitoring
You cannot manage what you do not measure. We recommend a compliance scorecard with leading and lagging indicators. Leading indicators include training completion, policy acknowledgments, and call calibration pass rates. Lagging indicators include dispute counts, complaint themes, adverse action timing defects, and exception frequency. Tie each metric to an owner, a target, and a corrective action plan if performance drifts. Review results at your weekly operations meeting and your monthly leadership meeting.
Templates and Tools Included
- Compliance policy manual mapped to functions and regulations with version control
- Role based checklists for sales, funding, collections, and recovery teams
- Vendor management toolkit including questionnaire, risk tiers, and monitoring plan
- Safeguards program binder with risk assessment template and incident response guide
- Training calendar, rosters, quizzes, and coaching forms for evidence
Explore More Dealer Education and Events
Deepen your knowledge with articles, workshops, and peer learning sessions that sharpen day to day execution while keeping compliance aligned with profitability. Visit these pages to continue your path.
Compliance Topics By Specialty
Federal Compliance Training for Dealers - FAQ
Helpful Links
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