What is the FTC CARS Rule?
The Combating Auto Retail Scams (CARS) Rule impacts dealerships in two critical ways:
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Requires dealerships to follow strict new advertising and sales practices.
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Gives the Federal Trade Commission first-strike capability to fine delinquent dealers. Non-compliance is considered a deceptive trade practice.
CARS compliance done right
Mosaic provides a fully managed solution built by attorneys to comply with the FTC's CARS Rule.
Assessments
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Understand your CARS compliance risk and receive a guided action plan
Training
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Educate your team with attorneys-built training
Policies
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Implement the policies you'll need to comply
Compliance monitoring
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AI compliance monitoring throughout the sales processs
Audits
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Website reviews: Evaluate your website for CARS compliance
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Ad reviews: Regular evaluations of your advertisements
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Price reviews: Confirm your offering prices are right under the CARS Rule
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Paperwork and process review. Sales and F&I paperwork process reviews
Expert Guidance
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Dedicated Compliance Advisor
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Legal best practices
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Managed compliance portal
CARS compliance requirements
Misreprentations
The CARS Rule makes it illegal to misrepresent material information such as price, financing or add-ons.
Add-ons
Under the CARS Rule, if the consumer won’t benefit from an add-on product or service, the dealer can’t charge for it
Offering Price
Requires dealers to clearly disclose the offering price – the actual price anyone can pay to get the car, excluding only required government charges.
Express Consent
No surprise fees or hidden charges. Dealers must get a buyer’s clear and informed “yes” to what they’re buying and how much they’re being charged
Solutions for dealers. Built by attorneys.
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Compliance Training
Winner of the Dealer's Choice Diamond Award 2015-2023.
With Mosaic training, you get:
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Role-based compliance training built by industry attorneys
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Fully managed setup and support from a compliance advisor
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Video-based training tailored to the dealership environment
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Available as compliance bundles, courses, or certifications
