Turn F&I product complexity into a competitive advantage. Fund aftermarket products with compliance certainty.
Incomplete or misclassified data at origination can ripple through servicing; multiplying costs, compliance risks and customer friction along the way.
With F&I Sentinel’s Managed Originations solution, every aftermarket product funded starts on solid ground where only compliant products are funded and, complete, accurate data is available to your servicing team in event of early terminations.
of Dealer Profits
Per Deal
The regulatory expertise of the F&I Sentinel Concierge Compliance Team powered by the CITADEL platform ensures lenders fund only compliant, fully verified F&I products with confidence.
CITADEL® platform, the auto finance industry’s trusted system of record for all F&I product forms submitted by product companies, gives lenders complete transparency and control. F&I product forms, related state filings, insurance backings, marketing materials and more, are accessible for audits and regulatory examinations.
Lenders can tap into advanced data enrichment capabilities via CITADEL’s library of more than 225,000 validated F&I product form submissions, enabling lenders to fill data gaps, correct misclassifications, and accurately identify bundled products—reducing downstream servicing challenges and strengthening compliance integrity from day one.
F&I Sentinel’s Concierge Compliance Team works hand-in-hand with lenders to create a customized compliance framework that anticipates and mitigates F&I product risks.
Through a proprietary credentialing process, the team reviews and validates F&I product forms, marketing materials, and documentation—ensuring every product meets each lender’s unique standards. The result is a curated, lender-specific database of credentialed F&I products that can be funded with confidence.
A lender-specific F&I product compliance framework that addresses documentation standards, rules defining product bundles, fees and terms, refund calculation methods and more.
Lender-specific agreement between the Lender and the F&I product company and/or administrator executed in the Lender’s favor.
Terms include:
The auto finance industry’s first technology platform to capture and organize F&I product data at the form level, including supporting state filings, insurance-related documents, marketing materials and more.
Compliance-First Intelligence
Every F&I product is validated against your lender-specific compliance framework for defensible documentation, clear standards and zero ambiguity.
Benefit: Accuracy and Transparency
Risk Reduction
Before Funding
Stop bad data before it reaches funding to reduce re-contracting hassles and downstream cancellations compliance risks.
Benefit: Risk Mitigation
Continuous
Compliance Oversight
Our team tracks regulatory changes and, reviews and updates your credentialed forms, proactively.
Benefit: Ongoing Protection
Industry-Leading Benchmarking
Benefit from benchmarking against best practices from seven of the nation’s top 10 auto lenders.
Benefit: Competitive Advantage
Always Audit Ready
Access to time-stamped documentation for exams and internal reviews.
Benefit: Audit Readiness
Actionable
Compliance Insights
Get monthly updates on laws and regulations that impact F&I product compliance directly in your inbox.
Benefit: Informed Decision-Making
OPEX Savings and Reduced Business Risks
Outsource complex compliance work to experts who combine years of regulatory know-how with purpose-built technology.
Benefit: Cost Efficiency
Seamless System Integration
CITADEL APIs integrate with your loan origination systems streamlining workflows and eliminating manual data entry.
Benefit: Operational Efficiency
F&I Sentinel has redefined F&I product governance. We are proud to be the trusted partner for industry leaders.
“…ensuring that [F&I products sold by dealers] are compliant, we didn’t have a good process in place…outside of hiring a ton of people and lawyers for that matter, to begin mulling through those documents. F&I Sentinel filled a hole for us.”
— EVP, AUTO FINANCE COMPANY
Join the growing community of auto lenders that are eliminating the challenges with F&I product cancellations and refunds proactively addressing the data and compliance challenges with Managed Originations.
