BHPH United - Buy Here Pay Here Dealer Education and Training for Subprime Auto Financing In House Financing Lease Here Pay Here Operations Compliance Leadership Marketing and Dealer Success Nationwide

Navigate today’s lease here pay here regulatory landscape with practical, dealership tested training. Our Lease Here Pay Here Regulatory Compliance Training equips independent and used car dealers with clear steps to meet federal and state requirements while protecting customers, revenue, and brand trust. Build a program that satisfies Reg M leasing disclosures, FCRA and ECOA rules, FTC Safeguards and Red Flags, OFAC screening, EFTA and ACH rules, and state level leasing, repossession, and fee rules. Through structured modules, SOP templates, and role specific practice, your team will learn how to document decisions, audit files, and pass examinations without guesswork. Whether you operate a single rooftop or multi location portfolio, this course aligns policy, technology, and people to reduce risk and improve payment performance. Explore related topics in our lease here pay here compliance education and used car dealer regulatory compliance training to round out your training path.

Who this Lease Here Pay Here regulatory compliance training is for

If you operate lease here pay here or hybrid in house financing models, this training is built for your environment. It is practical for dealer principals, compliance officers, general managers, sales and F&I leaders, collections managers, accounting, portfolio managers, and store level staff who touch customer data, underwriting, payments, and lease returns. Multi location operators will find multi store controls and audit sampling guidance especially valuable. For complementary leadership content, visit lease here pay here leadership training and used car dealer leadership training.

What you will learn

Our step by step program translates statutes and examiner expectations into standard operating procedures, forms, and scripts. It connects compliance with profitability by reducing charge offs, re delivery friction, payment disputes, and data risk. The curriculum aligns with your lease structure, state title processes, and technology stack so you can execute consistently across teams.

Reg M consumer lease disclosures and adverse action handling aligned with ECOA and FCRA
FTC Safeguards Rule and Red Flags identity theft program with role based duties and monitoring
OFAC screening steps, documentation, and vendor integration best practices
EFTA and Reg E authorization, payment plan, and error resolution practices for ACH and cards
State leasing and title rules, fee disclosures, repossession notices, and vehicle return processes
UDAP and UDAAP risk controls for marketing, pricing, and customer communications
SOPs for collections, extensions, reinstatements, and payment enforcement aligned with policy

Program format and related pathways

Content is organized into modules with short lessons, job aids, file checklists, and testing. You can align this course with lease here pay here operations training, deepen mastery with lease here pay here compliance best practices, or expand to collections and credit topics through lease here pay here collections training and lease here pay here credit policy education. Explore instructor led options in dealer workshops and training and browse upcoming sessions in education and events.

Federal and state priorities covered

We map each procedure to the rule it supports so your documentation tells a complete story. You will learn how to evidence policy, training, and testing in a way that makes sense to auditors and examiners. For a focused look at federal topics, see lease here pay here federal compliance training. For state specific content, visit lease here pay here state compliance education.

Consumer leasing disclosures and advertising standards under Reg M
ECOA and FCRA basics for credit evaluation, adverse action, and credit reporting accuracy
FTC Safeguards, vendor oversight, incident response, and employee training tracking
Red Flags identity theft risk assessments and alerts workflow for front office and collections
State leasing and repossession timelines, cure rights, and fee caps with documentation tips

From policy to practice: file quality and audit readiness

Great policies matter only if your files match them. We teach you how to embed controls that prevent errors and show your work. Visit used car dealer audit preparedness education and lease here pay here audit readiness education for deeper drill downs.

Shelf ready lease jacket with disclosure sequence and time stamps
Adverse action documentation, model notices, and decision logs
Collections notes that evidence call practices, payment arrangements, and extensions
Reinstatement and vehicle return records that align with policy and state rules

Technology and data security alignment

Compliance depends on your DMS, payment processor, CRM, and eSign tools. We show how to configure roles, permissions, and logs to back your written policies. See lease here pay here technology integration training and used car dealer technology integration training for platform best practices.

User access controls tied to job duties and separation of duties checks
Data retention schedules and secure disposal aligned to policy and vendor contracts
Payment processing safeguards for ACH, cards, and text to pay with Reg E evidence

Role based learning paths

Each department receives a targeted path with scenarios and scripts. That way, sales covers advertising claims and disclosures, F&I executes clean paperwork, and collections manages promises to pay and extensions with evidence. For advanced operations, review lease here pay here advanced operations training and dealer operations management training.

Sales and marketing: fair offers, clear pricing, and approved advertising practices
F&I and delivery: timing order, signatures, identity verification, and OFAC proof
Collections: compliant contact cadence, payment plans, extensions, and repossession triggers
Management: testing, internal audits, vendor oversight, and issue remediation

Compliance metrics that improve performance

You cannot manage what you do not measure. We align KPIs with risk controls so your scorecards reinforce compliant behavior and better results. See dealer performance optimization education and lease here pay here portfolio management training for deeper analytics.

File exception rates and defect trends by store and by role
Promise to pay kept rate, extension frequency, and cure success rate
Complaint themes, resolution times, and training remediation loop

Compliance calendar highlights

A simple calendar keeps you ahead of renewals, refreshers, and testing. We include a fill in template you can adapt by state and store size. For broader operations timing, explore used car dealer operations training and lease here pay here operations best practices.

Quarterly file audits with targeted sampling and corrective actions
Annual Safeguards risk assessment and vendor oversight reviews
Semiannual Red Flags program testing and staff refreshers

Common pitfalls we help you avoid

The fastest way to reduce risk is to remove ambiguity, remove re work, and record your reasoning. We troubleshoot issues that most often trigger complaints or exams so you can correct them at the source. For more checklists, see dealer education resources and dealer practical training.

Mismatched pricing between ads and delivery paperwork
Missing time stamps and change logs on disclosures and authorizations
Poor documentation of OFAC checks and identity verification steps
Collections notes that do not show attempts, promises, or outcomes

How compliance supports profitability

Strong controls improve payment performance, customer experience, and reputation. When your paperwork is clean and your processes are consistent, you reduce disputes and increase recoveries. For deeper financial tuning, visit lease here pay here profitability training and dealer profitability training.

Fewer re deliveries and rescissions caused by paperwork defects
Higher contact quality with approved disclosures and scripts
Faster audits with fewer exceptions and lower remediation costs

Helpful resources

This content is educational and not legal advice. Dealers should consult qualified counsel for state specific guidance and for policies tailored to their operations.

Lease Here Pay Here regulatory compliance training FAQs

LHPH centers on consumer leasing rules like Reg M, state leasing statutes, and vehicle return processes. BHPH focuses on credit sale rules like Reg Z and retail installment contracts. Many areas overlap, including ECOA, FCRA, Safeguards, Red Flags, UDAP, OFAC, and collections practices. This course targets LHPH specifics while reinforcing shared controls.

Ideal attendees include compliance officers, dealer principals, GMs, sales and F&I, collections leaders, portfolio managers, and accounting. Multi store groups should include regional managers who oversee audits and vendor management. The course offers role specific tracks for each function.

You receive checklists, SOP templates, disclosure flow maps, audit sampling tools, training logs, and vendor oversight worksheets. The tools help you document policy, prove training, and validate that daily work matches your written standards.

Most dealers complete initial onboarding and then schedule annual refreshers, with targeted micro training after policy changes, technology updates, or audit findings. The course includes a sample calendar and assigns responsibilities by role to keep training current.

Yes. The framework is national, and we include guidance for adapting to state leasing, repossession, fees, and notice requirements. For deeper state topics, pair this program with state compliance education for dealers and lease here pay here state compliance education.

We monitor regulatory releases, enforcement actions, and industry trends. Materials are refreshed to reflect notable updates, and we highlight what changes in your day to day workflows. For ongoing updates, watch our blog and dealer industry insights education.

Yes. We include EFTA and Reg E authorization standards, stop payment and error procedures, and documentation for recurring ACH. We cover card acceptance basics and written disclosures that reduce disputes. See buy here pay here payment processing training for a focused deep dive that applies to LHPH as well.