• F&I Products in Payment Quotes?

    Attorney Jim Ganther answers a dealer’s seemingly straightforward question: Is it legally permissible to pencil F&I products into payment quotes?

    Aug. 26, 2025

  • The Payment Trap Dealers Must Avoid

    Extending time to first payment beyond the industry-standard 30 or 45 days is a win-win — for plaintiffs' attorneys. Mosaic Compliance Services chief Jim Ganther explains.

    Aug. 1, 2025

  • AutoCanada Sells 13 of 17 US Stores

    AutoCanada announced the sale of 13 of its 17 U.S. franchised dealerships to multiple unnamed purchasers in a series of deals worth more than $60 million. +

    Jul. 18, 2025

  • Preloads and Payment Packing (Part 2)

    Attorney and Mosaic Compliance Services CEO Jim Ganther delves into addendum stickers, hard adds, soft adds and bundles in Part 2 of a series dedicated to stamping out payment packing.

    May. 23, 2025

  • Preloads and Payment Packing (Part 1)

    Can dealers offer a lower APR to customers who buy service contracts? From a compliance perspective, it’s possible, but it’s complicated. Attorney and Mosaic Compliance Services CEO Jim Ganther explains.

    Apr. 30, 2025

  • AutoCanada to Pay $20M to Settle FTC Fraud Charges

    The Federal Trade Commission announced a recordbreaking settlement with AutoCanada over a slew of fraud charges the agency leveled against the dealer group’s 10 U.S. rooftops. +

    Dec. 20, 2024

  • Asbury Denies FTC Allegations in New Filing

    Asbury Automotive outlined internal processes as part of a formal denial of wrongdoing following accusations from the Federal Trade Commission of systematic payment packing. +

    Sep. 11, 2024