Informativ

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National May Ray Day is a good reminder to soak up some sun AND that the best problems are the ones you bring into the light early. For dealers, that means catching risk before it reaches the desk: ☀️ ID inconsistencies ☀️ Synthetic identity indicators ☀️ OFAC/red flag alerts ☀️ Document issues that can delay funding Informativ helps teams spot more risk up front, while keeping the customer experience fast and simple. Shine a light on fraud before it has a chance to hide in the deal: https://lnkd.in/gSAm7YkY #FraudPrevention #DealershipCompliance #AutomotiveRetail #Informativ #MayRayDay

It's here! The May edition of Informativ Insights arrives just in time for the busy Memorial Day weekend. Check out real-life warning signs from dealers who were victims of fraud, how guardrails can protect your dealership's bottom line, and THE ONE question you should ask your sales team tomorrow.

Autobahn Motorcar Group  sells cars faster by increasing showroom efficiency. By moving to a fully digital, compliant, and fraud-free process, they’re: ✔️ Structuring deals faster ✔️ Reducing friction for customers ✔️ Gaining real-time visibility into every deal The result? More cars sold with speed and confidence. This is what happens when your process works with your team instead of against them. Learn more here 👇 https://lnkd.in/gtu_zi2g #AutoDealers #AutomotiveRetail #DealershipLife #DigitalTransformation #Compliance"

What a great couple of days on the course with Ken Garff Automotive Group ⛳ Informativ team members Teresa Bordenet, Kiristen Sandoval, Carol Sanford, and Chaqouwa Bouvier had a fantastic time attending and participating in the 13th Annual Ken Garff for Good Hole-in-One Challenge. Beyond the beautiful course and great company, this event supports educational opportunities for students across Utah, a mission we were proud to be part of! Thank you to Ken Garff Automotive Group and Ken Garff for Good for hosting such a meaningful and memorable event! #Informativ #KenGarffAutomotiveGroup #KenGarffForGood #Automotive #Compliance #FraudPrevention #DealershipCompliance

54% of consumers say getting an actual, OTD price and payment remain a top unmet need in their online car-buying experience. That stat was one of the key points discussed during Informativ’s recent National Automobile Dealers Association (NADA) webinar, “First Pencil Matters: Payment Transparency in a New Era of FTC Scrutiny.” And it points to a bigger issue for dealerships: As regulatory scrutiny around pricing transparency increases, dealerships are being pushed to think beyond the advertised price. The real customer experience often begins when that price turns into a payment conversation. Payments can change for legitimate reasons: credit tier, trade value, payoff, incentives, lender programs, taxes, title, fees, term, mileage, or deal structure. Price transparency answers: What does the vehicle cost? Payment transparency answers: What can this customer realistically afford based on the actual buying scenario? For many stores, the first pencil still depends heavily on manual logic, assumptions, legacy tools, or the experience level of whoever is working the desk. That gap can create inconsistent payments, late-stage rewrites, customer confusion, and a harder-to-defend process. The first pencil sets the tone for the transaction. If the number feels credible, the deal moves forward with more confidence. If it changes later without a clear explanation, trust can erode quickly. In a payment-driven market, the first pencil presents a number, but it also tells the customer whether they can trust the process. https://informativ.com/ #AutomotiveRetail #DealershipCompliance #PaymentTransparency #FTCCompliance #AutoRetail #CarDealerships

In April, our Informativ Gives Back initiative supported foster children and families through CITY WITHOUT ORPHANS  (CWO) in California’s Central Valley. Thanks to the generosity of our team and community, we were able to: ✔️ Contribute essential everyday and personal care items ✔️ Provide gift cards for immediate needs ✔️ Deliver supplies directly to families through CWO’s local network This is what Informativ Gives Back is about! Showing up for a community that relies on consistent support, resources, and care. A big thank you to everyone who participated and helped make a meaningful impact. #InformativGivesBack #CommunityImpact #GiveBack #FosterCare #Teamwork"

As most of us are aware, on March 13, the FTC sent warning letters to 97 dealer groups. The letters didn't cite a new rule. They cited Section 5 of the FTC Act, the same general unfair-and-deceptive-practices authority that has been on the books since 1914.   That choice of weapon is the story.   When the Fifth Circuit vacated the CARS Rule in January 2025, a lot of the industry read it as a reprieve. It wasn't. The FTC went back to Section 5, which has two qualities the CARS Rule didn't. It applies in every state. And it carries civil penalties that, under the most recent inflation adjustment, run roughly $16,000 to $17,000 per violation, per day, per party. The math compounds quickly when an advertised price has been live on a VDP for 90 days across a multi-rooftop group.   Two details from the March letters matter more than the letters themselves.   First, the FTC's focus is on the gap between advertised price and the price at which a real buyer can actually transact. Mandatory fees excluded from the ad. Incentives stacked that the buyer doesn't qualify for. Lender terms in the ad that the lender's program rules won't honor. Each of those (among others) is a Section 5 exposure.   Second, and this is the part most software vendors have not internalized yet, the agency is explicitly holding dealers responsible for third-party advertising they don't directly control. If a dealer's website provider, digital marketing agency, or marketplace listing shows a price the dealership can't honor, that's still the dealership's Section 5 problem. Which means it is now the vendor's commercial problem.   California is not the cautionary tale anymore. California is the preview. SB 766 takes effect October 1 and codifies most of what the CARS Rule attempted. State AGs in other markets are not waiting.   The practical implication for software platforms serving auto retail is straightforward. Any system that touches advertised price, monthly payment, fees, or incentives needs to render numbers that survive a Section 5 review at the desk and on the contract. That requires lender-specific program math, real-time incentive eligibility, and fee transparency at the VIN level. Those are also the same capabilities that surface gross a desk manager may otherwise miss. Compliance and profit are produced by the same engine. Vendors who treat them as separate problems are about to learn that the regulator does not.   If this is a problem you're working on, we can help➡️ https://lnkd.in/g8QpvUNR

Last chance to register for our upcoming National Automobile Dealers Association (NADA)  webinar: First Pencil Matters: Payment Transparency in a New Era of FTC Scrutiny As the FTC sharpens its focus on pricing transparency and payment presentation, dealerships need a faster, clearer, and more consistent way to get to the first pencil. Join Informativ TOMORROW on May 13 at 1:00 PM ET / 10:00 AM PT to learn how dealerships can reduce confusion, avoid rewrites, improve payment transparency, and build trust from the very first offer. In this session, we’ll cover how to: ✅ Deliver clear, consistent first pencils ✅ Balance speed and accuracy early in the deal ✅ Reduce last-minute surprises that erode trust ✅ Understand where FTC scrutiny is increasing Register now before it’s too late: https://lnkd.in/gevegZ_j #AutoRetail #DealershipCompliance #FTCCompliance #AutomotiveRetail #PaymentTransparency"

For the third consecutive year, Informativ has earned the Great Place To Work Certification and we could not be prouder.   This recognition means so much because it reflects the culture our team continues to build every day: one rooted in fairness, connection, community, collaboration, and care.   At Informativ, culture is not just something we talk about. It shows up in how our people support one another, serve our clients, give back to the community, and continue growing together.   Three years certified is a milestone worth celebrating, but what matters most is the team behind it. Thank you to every member of Team Informativ for helping make this company a great place to work.   #GreatPlaceToWork #GPTWCertified #CompanyCulture #TeamInformativ #Informativ #WorkplaceCulture