⚠ HIGHEST REGULATORY EXPOSURE IN THE BUILDING
F&I has more compliance exposure than any other seat. TILA violations, ECOA issues, and FTC Safeguards non-compliance carry real fines and personal liability. Every Foundation module covers what you're legally required to know before you work your first box.
Foundation
Days 1–30
Start here. No exceptions.
Compliance first — what you can go to jail for (TILA, ECOA, FTC)
The deal jacket — every document and exactly why it exists
Lender requirements by credit tier — what each box actually needs
TILA disclosures — explaining the real cost of money to a customer
How to read a credit report — what matters, what doesn't
The 42-lender routing engine — understanding Louie's logic
Your first 10 deals in the box — walk-through with a manager
OFAC and red flags — screen every deal, every time
Professional
Days 31–90
Build the income. Protect the store.
Product menu design — what to offer and in what order
VSC: how to sell service contracts without pressure
GAP: when it mathematically matters, when it doesn't
Reserve management — maximize without violating caps
The F&I scorecard — PVR, penetration, product mix targets
Recontracting — when and how without triggering issues
Elite
Day 90+
Top 10% earners. Zero compliance surprises.
FTC Safeguards deep dive — the compliance audit checklist
Building a $2,500 PVR system — the math behind it
Lender relationships — preference routing that funds faster
Auditing your own deals — catch problems before the auditor does
READY TO GO DEEPER
Every compliance tool, every lender rule, every disclosure — live inside Louie.
TILA calculations, OFAC screening, and the 42-lender routing engine run in real time on every deal you work.
See F&I Compliance Tools