LotPilot.ai has federal compliance tools built into every plan — not bolted on as expensive add-ons. OFAC, FCRA, TCPA, CAN-SPAM, Form 8300, Red Flags Rule, FTC Buyer's Guide, Reg Z / TILA, and FTC Safeguards — all covered.
Every customer is screened against the Treasury Department's Specially Designated Nationals list before any deal closes or credit pull runs. Matches trigger an immediate review workflow with side-by-side comparison. All screenings are stored for 5 years per OFAC requirements. Monthly re-screening catches customers who newly appear on the list.
Cash and cash-equivalent payments are tracked per customer. When cumulative payments cross $10,000, LotPilot generates an immediate alert with the 15-day filing deadline, pre-populates Form 8300 data fields from the deal record, and sends escalating reminders as the deadline approaches. Anti-structuring warnings protect your team starting at $7,500.
Hard-pull consent is captured with legally required authorization language, timestamp, and IP address before any credit pull is initiated. If financing is denied, the adverse action notice generator produces compliant letters with the credit bureau's name and address, the right to dispute, the right to a free report within 60 days, and CFPB contact information.
Prior express written consent is tracked per customer before any marketing SMS is sent. STOP, UNSUBSCRIBE, CANCEL, END, and QUIT keywords are processed instantly with a confirmation message. Consent status is checked on every outbound message — opted-out customers never receive texts. Full audit trail of all consent changes.
Every automated email includes your physical mailing address, an immediately-functional unsubscribe link, and an honest subject line. Unsubscribes are processed in real time and suppressed across all future campaigns. List-Unsubscribe headers ensure email clients display their own unsubscribe buttons.
The credit application process flags identity theft warning signs: suspicious documents, unusual address changes, credit bureau fraud alerts, and application inconsistencies. Flagged applications require manual review before proceeding.
Auto-generates FTC-compliant Buyer's Guides for every used vehicle on the lot — AS-IS or warranty with the covered systems table required by 16 CFR §455. Printable 8.5×11 PDF, bulk generation across the entire inventory, Spanish-language version, and per-vehicle or lot-wide warranty defaults.
Federal Box payment disclosure generator outputs APR, Finance Charge, Amount Financed, and Total of Payments in the exact format Reg Z (12 CFR §1026) requires. Built into the deal builder so disclosures appear the moment financing terms are entered. Ad-copy compliance check flags trigger terms in vehicle listings missing the required disclosures.
LotPilot meets the FTC's information security program requirements with role-based access controls (5 permission levels, 25+ granular permissions), data encrypted in transit via HTTPS/TLS, multi-factor authentication through Clerk, audit logging on all sensitive operations, and designated qualified individual oversight. Your customer data never touches an unencrypted channel.
OFAC screenings, credit applications, adverse action notices, Form 8300 data, consent records, and deal jackets are stored with retention dates tracked per federal requirements. Export any compliance record at any time for auditor review. Nothing auto-deletes before its retention period expires.
LotPilot provides compliance tools and automated workflows — not legal advice. We recommend every dealership:
LotPilot makes compliance easier to manage, not optional to understand.
Compliance shouldn't be a premium upsell.
| Feature | Growth | Professional | Enterprise |
|---|---|---|---|
| OFAC SDN Screening | ✓ | ✓ | ✓ |
| Form 8300 Cash Tracking | ✓ | ✓ | ✓ |
| FCRA Consent Capture | ✓ | ✓ | ✓ |
| Adverse Action Notices | ✓ | ✓ | ✓ |
| TCPA Consent Management | ✓ | ✓ | ✓ |
| CAN-SPAM Compliance | ✓ | ✓ | ✓ |
| Red Flags Alerts | ✓ | ✓ | ✓ |
| FTC Buyer's Guide Generator | ✓ | ✓ | ✓ |
| Reg Z Payment Disclosures | ✓ | ✓ | ✓ |
| Role-Based Access Controls | ✓ | ✓ | ✓ |
| 5-Year Record Retention | ✓ | ✓ | ✓ |
| Compliance Dashboard | ✓ | ✓ | ✓ |
| 700Credit Bureau Pulls | — | — | ✓ |
| Lender Submission (RouteOne) | — | — | ✓ |
See the full feature matrix on the features page.
Book a 15-minute demo. We'll walk through OFAC screening, consent tracking, and the Form 8300 workflow live.
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