Reflecting on F&I Sentinel’s First Ask Me Anything
We were thrilled to host our inaugural “Ask Me Anything” (AMA) recently with our CEO, Stephen McDaniel. This interactive session marked the beginning of a new series designed to open the lines of communication even wider between F&I Sentinel and the auto finance community we serve.
The AMA was a chance for our partners and clients to ask the questions that matter most to them and get candid, real-time answers. The dialogue was transparent and underscored what drives us every day: a commitment to compliance, integrity, and a customer-first mindset.
Listening to What Matters Most
One of the best parts of the AMA was that the discussion was shaped by topics submitted in advance by participants. State regulations and F&I product refunds—particularly their accuracy and timeliness—stood out as top priorities for attendees. That message came through loud and clear: the fundamentals of compliance remain front and center for professionals across our industry. Which isn’t surprising, given the recent complexity of the state-level activity we’ve been reporting on this year.
Answering Your Questions on Automotive F&I Issues
Stephen addressed each of these topics, sharing an overview of key legislation under debate, the most impactful laws taking effect this year, and what may be ahead at both the state and federal levels. And on an operational level, one attendee asked this poignant question about refund processing, a critical pain point that resonated with others participating in the session:
“How do lenders recoup and refund customer payments if the issuing dealership is no longer in business or returning phone calls?”
Stephen’s answer underscored the importance of proactive preparation and strong partnerships. He recommended “baking in” the right processes and guidelines as early as possible into the equation. Working with the right F&I product companies is critical to ensuring continued compliance and a smoother process when a product is cancelled. He further explained that many states legally assign refund responsibility to the F&I product company.
This is where our F&I product company network comes in. With connections to more than 600 product company administrators, F&I Sentinel routinely helps resolve issues like these by bridging the gaps, ensuring refunds are handled properly even if a dealership is out of business or non-responsive. It’s a real-world example of how preparedness and the right partners can significantly reduce downstream risk in servicing and cancellations.
Another question focused on consumer refund notification letters available through our platform. Attendees asked whether these letters, which confirm refunds directly with consumers, can be customized by state. This opened the door for an insightful exchange, connecting the right leadership experts at F&I Sentinel who were present at the AMA—to help address the specific needs of that participant.
Looking Ahead
We extend a huge thank you to everyone who participated, asked thoughtful questions, and shared positive feedback afterward. The energy and transparency of this first AMA confirmed what we already believe: open dialogue and shared knowledge are essential for navigating today’s complex F&I landscape.
We’re already planning the next session, and we look forward to continuing the conversation.
If you are an existing F&I Sentinel client and would like to be notified of future AMAs, sign up here. If you would like to schedule a consultation with a member of the F&I Sentinel Concierge Compliance team, please reach out to us here.
The information provided in this post does not, and is not intended to, constitute legal advice; instead, all information, content, and materials referenced are for general informational purposes only. Readers should contact their attorney to obtain advice with respect to any particular legal matter.
