EFG Companies compliance experts reveal six priority issues for dealers this year

Longer loan terms, higher transaction amounts, increased refinancing, and rising loan default activity are flags for regulators. Consistent documentation, menu presentation,  and alignment between sales and F&I teams are staple in your toolbox to ensure compliant practices.

5. Customer complaints 

Complaints now trigger audits, regardless of the veracity. Unresolved issues and complaints increasingly serve as catalysts for federal and state regulatory review, making rapid response and documentation critical. Closely monitor all digital platforms to track and resolve complaints before they spiral into regulatory action. 

6. State-by-state regulatory expansion 

While some Consumer Financial Protection Bureau (CFPB) activity has slowed, federal enforcement remains active, specifically pricing transparency, disclosures, and consumer protection. In addition, states continue to expand their own regulatory frameworks. A fragmented, state-by-state compliance landscape requires that dealerships proactively seek to understand their state’s requirements and implement appropriate uniform processes and governance.  

“The biggest compliance risk for dealerships in 2026 is assuming enforcement pressure has eased,” said Jennifer Rappaport, President and CEO of EFG Companies. “In reality,  fraud prevention, data security and customer complaints remain top compliance triggers. “Frequent, targeted training from Master AFIP-certified experts, paired with  hands-on, compliant account management and process discipline, is the most effective  defense against costly compliance missteps.”