Compliance doesn’t start at cancellation – it starts at origination. Managed Originations helps lenders validate products, establish trusted data, and reduce downstream risk before it begins.
Every funded F&I product creates a compliance obligation.
When products are validated before funding and supported by complete, accurate data, lenders can service, monitor, and cancel those products with confidence.
Fund only credentialed, compliant products while creating the trusted data foundation needed for accurate cancellations, stronger compliance, and a better customer experience throughout the F&I lifecycle.
of Dealer Profits
Per Deal
CITADEL® helps lenders validate F&I products before funding by providing access to credentialed product forms, supporting documentation, and compliance requirements. With trusted data available from day one, lenders can reduce risk, improve servicing outcomes, and support compliance throughout the product lifecycle.
CITADEL® gives lenders access to more than 235,000 validated F&I product forms and supporting documentation, helping ensure every funding decision starts with trusted data. By closing data gaps and correcting misclassifications before funding, CITADEL helps reduce downstream servicing challenges and supports compliance throughout the F&I lifecycle.
You know exactly what you’re funding. No bad data. No unsupported products. No surprises later.
Our compliance team reviews and credentials F&I products against your organization’s requirements, helping ensure only compliant products enter your portfolio.
By combining regulatory expertise with a disciplined review process, we help lenders reduce risk, improve consistency, and build a stronger foundation for lifecycle compliance.
You’re not reacting to problems – you’re preventing them.
Everything is connected. So what enters your portfolio stays clean and exits right.
Validate Before You Fund
Fund only credentialed F&I products backed by trusted data.
Benefit: Accuracy and Transparency
Reduce Risk Upfront
Catch compliance issues before they enter your portfolio.
Benefit: Risk Mitigation
Benchmark Against
Industry Leaders
Leverage standards trusted by leading auto lenders.
Benefit: Ongoing Protection
Continuous Compliance Oversight
Stay ahead of regulatory change with ongoing monitoring and updates.
Benefit: Accuracy and Transparency
Actionable Compliance Insights
Make informed decisions with timely compliance intelligence.
Benefit: Risk Mitigation
Lower Operating Costs
Reduce complexity while strengthening compliance controls.
Benefit: Ongoing Protection
Always Audit Ready
Access complete documentation and decision history.
Benefit: Accuracy and Transparency
Seamless Integration
Bring trusted compliance data directly into your existing workflows.
Benefit: Risk Mitigation
Defensible Decisions
Maintain a complete, time-stamped record of product validations, approvals, and funding decisions – so every action can be traced, reviewed, and supported with confidence.
Benefit: Ongoing Protection
From origination to cancellation, F&I Sentinel helps lenders validate products, reduce risk, and make F&I compliance provable across the entire lifecycle.
“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, TOP 10 US AUTO FINANCE COMPANY
Join leading auto lenders that validate products before funding and build compliance in from the start.
