Trade Regulation Rule on Unfair or Deceptive Fees
The FTC's final rule on unfair or deceptive fees bans hidden fees and requires upfront disclosure of total price, affecting auto dealers' advertising and F&I practices.
Aforeworn detected this change in the Auto Dealer F&I Compliance space on July 6, 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: Effective 60 days after publication in Federal Register (likely March 2025), with potential enforcement actions starting then.. 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
The rule prohibits misrepresenting fees and requires clear disclosure of total price including all mandatory fees, with specific provisions for add-on products and financing.
Who it affects
All auto dealers (franchise, independent, BHPH) and F&I managers
What you must do
Review and revise all advertising, sales scripts, F&I product disclosures, and fee schedules to ensure compliance with the new rule.
Deadline
Effective 60 days after publication in Federal Register (likely March 2025), with potential enforcement actions starting then.
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Aforeworn watches Auto Dealer F&I Compliance around the clock and alerts you the moment a rule moves — with a plain-English brief on what to do.
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- FTC Returns to Auto Dealer Enforcement: 97 Warning Letters Signal Renewed Scrutiny - Crowell & Moring LLP
- Louisiana and Massachusetts tighten dealer fee disclosure rules as regulatory scrutiny grows - Car Dealership Guy News