• No Grace Period in New FTC Guidance

    The Federal Trade Commission has clarified the charges that must be included in every advertised price and rules pertaining to preloads, conditional discounts and in-transit vehicles. Attorney Jim Ganther breaks it down.

    Sep. 28, 2026

  • 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