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KPA Sales & Finance Compliance training contains 14 courses covering 100 topics.

Desking and Fair Lending - Recommended for F&I personnel and sales managers. Topics covered include:

  • CFPB Compliance Issues
  • Fair Lending Policies    
  • Rate Modification Disclosure
  • Disparate Impact
  • ECOA
  • Discrimination
  • Desking Compliance Best Practices
  • Vehicle Purchase Proposals
  • Quoting Payments
  • Spot Delivery

Red Flags Rule - Recommended for F&I personnel, sales managers and salespeople (this training is required by the FTC). Topics covered include:

  • Identity Theft Prevention Program Development
  • Risk Assessment
  • Covered Accounts
  • Verifying Customer Identity
  • Address Discrepancies
  • Identifying Red Flags
  • Detecting Red Flags
  • Responding to Red Flags
  • Mitigating Identity Theft
  • Compliance Officer Responsibilities
  • Staff Responsibilities
  • Approval or Denial of Transactions

Information Safeguards - Recommended for all employees who come in contact with customer information (this training is required by the FTC) Topics covered include:

  • Information Safeguards Program Development
  • Risk Assessment
  • Compliance Officer Responsibilities
  • Monitoring & Testing
  • Service Provider Requirements
  • Staff Responsibilities
  • Technology Challenges

Contracts and Disclosures - Recommended for F&I personnel and sales managers. Topics covered include:

  • Truth in Lending Act (TILA)
  • Regulation Z
  • Consumer Leasing Act (CLA)
  • Regulation M
  • Customer Copy & Disclosure Requirements
  • Retail Installment Contracts
  • Vehicle Leasing Agreements
  • Contract Disclosure Requirements
  • Lease Disclosure Requirements
  • Hidden Finance Charges
  • Credit Applications
  • Credit Reports
  • Deferred Down Payments
  • Negative Equity Disclosure
  • Fees
  • Co-Signer Notices
  • Records Retention
  • Suspicious Activity Reports
  • Odometer Statutes
  • F&I Menus
  • Holder in Due Course

Cash Reporting - Recommended for F&I personnel, sales managers and anyone in the office tasked with filing form 8300. Topics covered include:

  • Reporting Requirements
  • Suspicious Activities
  • Notification Requirements
  • Related Transactions

OFAC Screening - Recommended for F&I personnel and sales managers. Topics covered include:

  • Office of Foreign Asset Control
  • Specially Designated Nationals
  • OFAC Hotline

Privacy Rule - Recommended for F&I personnel, sales managers, salespeople and internet/BDC personnel. Topics covered include:

  • Graham Leach Bliley Act (GLBA)
  • Fair Credit Reporting Act (FCRA)
  • Privacy Notice Requirements
  • Affiliates & Non-Affiliates
  • Privacy Notice Development
  • Model Forms
  • Safe Harbor
  • Opt Out Requirements
  • Disposal Rule

Risk Based Pricing Rule - Recommended for F&I personnel and sales managers. Topics covered include:

  • Risk Based Pricing Rule Requirements
  • Direct Comparison Method
  • Credit Score Proxy Method
  • Tiered Pricing Method
  • Credit Score Exception Notice Requirements

Adverse Action Notices - Recommended for F&I personnel and sales managers. Topics covered include:

  • ECOA Requirements
  • FCRA Requirements
  • When Adverse Action Notices Are Required
  • Timing Requirements

Unfair and Deceptive Acts and Practices - Recommended for F&I personnel, sales managers, salespeople and internet/BDC personnel. Topics covered include:

  • Price-Gouging
  • F&I Product Pricing
  • Drip Pricing
  • Payment Packing
  • Yo-yo financing
  • Power Booking
  • Straw Purchases
  • Posting False Testimonials or Online Reviews.
  • Falsifying Credit Information
  • Altering Documents
  • Forging documents
  • Oral Promises
  • Misleading Statements
  • Failure to Disclose Added Products/Services

Advertising - Recommended for sales managers, internet personnel and anyone else in the organization tasked with creating or disseminating advertising. Topics covered include:

  • Truth in Advertising
  • Advertising Enforcement
  • Clear & Conspicuous Advertising Standards
  • Bait & Switch Advertising
  • Credit Advertising
  • Lease Advertising
  • Guaranteed Financing
  • Down Payment Advertising
  • Former Price Comparisons
  • Free Goods & Services
  • Digital Advertising
  • Social Media Advertising
  • Dot Com Disclosures

Inventory Requirements - Recommended for sales managers and inventory managers. Topics covered include:

  • FTC Used Car Rule
  • Buyers Guides
  • Spanish Language Requirements
  • Monroney Act
  • Addendums
  • Magnussen-Moss Warranty Act
  • Uniform Commercial Code
  • Express Warranties
  • Implied Warranties
  • “As-Is” Vehicles
  • Full vs. Limited Warranties
  • New vs. Used
  • Pre-Sale Availability of Written Warranty Terms
  • Vehicle History Disclosures
  • Vehicle Damage Disclosures

Communicating with Customers - Recommended for F&I personnel, sales managers, salespeople and internet/BDC personnel. Topics covered include:

  • Telephone Consumer Protection Act (TCPA)
  • Do Not Call Guidelines
  • CAN-SPAM Act
  • Text Messaging Guidelines
  • Social Media Guidelines
  • Online Reviews
  • Social Media Policy Development

Ethics - Recommended for all employees. Topics covered include:

  • Ethical Behavior
  • Compliance vs. Ethics
  • Transparency
  • Reputation Management
  • Complaint Resolution
  • Code of Ethics