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FTC Returns to Auto Dealer Enforcement: 97 Warning Letters Signal Renewed Scrutiny - Crowell & Moring LLP

Detected July 7, 2026 · in Auto Dealer F&I Compliance

The FTC has sent 97 warning letters to auto dealers, signaling renewed enforcement of consumer protection laws, including the CARS Rule, Truth in Lending, and advertising practices. Dealers must review and update their F&I and advertising compliance programs immediately.

Aforeworn detected this change in the Auto Dealer F&I Compliance space on July 7, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated High urgency. All auto dealers (franchise, independent, BHPH) and F&I managers should confirm how it applies to their specific situation before acting. There is a time constraint attached: Immediately; FTC enforcement actions may follow without further warning.. Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Auto Dealer F&I Compliance continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.

What changed

FTC issued 97 warning letters to auto dealers, indicating a return to aggressive enforcement of consumer protection laws, particularly regarding add-on products, financing disclosures, and advertising.

Who it affects

All auto dealers (franchise, independent, BHPH) and F&I managers

What you must do

Conduct a compliance audit of F&I practices, advertising, and disclosures; ensure all add-on products (e.g., GAP waivers) are properly disclosed and not deceptive; review advertising for truth-in-lending compliance.

Deadline

Immediately; FTC enforcement actions may follow without further warning.

Source: https://news.google.com/rss/articles/CBMi3gFBVV95cUxOT0ZxcXlHOF9wY3BmbExUTlBCbG9GbElfX2tVQVl2MnZnel9vU293MV80anJrV0NqTkgxRUNXLVRobkVOc0Y3V3V4eTdQaE03NGNuTEJfSkdMRkgzSWR4UFp1aTNNZlhxQ2dRNHZkZnhBV1FkenFUUnROcUYtX2c3T3I1a0kxczV4S0RpRGgzektRUUotSGNITUlFNGtRcHRNNjRuWGJpNl9zZUVDZzVLb1hFOHh6TVh6UjdkWE9yVUdrX0wxcFRlSk82OWpGRF9pSmdFQUo0RjhCWWtNckE?oc=5

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