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April 2009, F&I and Showroom - Feature

Part II: Tackling Adverse Action Notices

By Jim Ganther

Knowing what triggers an adverse action notice can definitely be baffling, but so can the rules governing content and timing. Legal expert weighs in with part II of F&I's series on adverse action notices.

Tags: Adverse Action Notice, AFIP, compliance, ECOA, Fair Credit Reporting Act, Federal Trade Commission

March 2009, F&I and Showroom - Feature

Tackling Adverse Action Notices

By James S. Ganther, Esq.

Compliance expert explains what situations require dealers to send adverse action notices to consumers.

Tags: Adverse Action Notice, APR, Credit Applications, Denying Credit, ECOA, Fair Credit Reporting Act

January 2007, F&I and Showroom - Feature

The Calculus of Adverse Action

By Michael Benoit

You’ll notice that, from time to time, I’ll devote a column to those pesky adverse action notice requirements. For those of you who may be thinking that I do this because it’s all the law I know, let me assure you that I have other talents as well.

Tags: Adverse Action Notice, compliance, ECOA, Fair Credit Reporting Act, Legal, Michael Benoit

January 2005, F&I and Showroom - Feature

People Make Policies Work

By Stephen B. Straske

Conducting business ethically and honestly must be embraced by every employee for a compliance policy to be effective. When deviations occur, clear consequences should be upheld.

Tags: compliance, ECOA, F&I products, Fair Credit Reporting Act, Regulation Z

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