The regulatory landscape for U.S. auto dealers reshaped itself in early 2026. The FTC named individual executives in complaints. State AGs filled a federal void. This brief is what every dealer principal and F&I director needs to know, in plain English.
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Eight sections. What changed at the federal level, how state AGs picked up the slack, where the heat sits, and what to do about it.
The six pricing practices cited verbatim in the FTC's March 13, 2026 warning letters to 97 dealer groups. Every advertised price should be tested against these six.
Eight F&I exposure areas scored on federal, state, and litigation risk. Where the heat is concentrated and where the lawyers will spend the most time.
The 2026 working calendar. Red markers are federal enforcement events. Blue markers are scheduled effective dates. The pattern is the point.
