Compliance

Compliance isn't optional. Neither is ours.

Federal compliance tools built into every plan, not bolted on as expensive add-ons. OFAC, FCRA, TCPA, CAN-SPAM, Form 8300, Red Flags Rule, FTC Buyer's Guide, Reg Z / TILA, and FTC Safeguards, all covered.

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In every plan · No compliance upsell

Built into every deal, not a checkbox add-on

Two tools that run on the critical path of every sale, then eight more that keep auditors and regulators off your back.

Critical path

OFAC / SDN Screening

Every customer is screened against the Treasury Department's Specially Designated Nationals list before any deal closes or credit pull runs. Matches trigger an immediate review workflow with side-by-side comparison. All screenings are stored for 5 years per OFAC requirements. Monthly re-screening catches customers who newly appear on the list.

Cash reporting

IRS Form 8300, Cash Reporting

Cash and cash-equivalent payments are tracked per customer. When cumulative payments cross $10,000, Aerolot generates an immediate alert with the 15-day filing deadline, pre-populates Form 8300 data fields from the deal record, and sends escalating reminders as the deadline approaches. Anti-structuring warnings protect your team starting at $7,500.

Also included in every plan

FCRA, Credit Bureau Compliance

Hard-pull consent is captured with legally required authorization language, timestamp, and IP address before any credit pull. Adverse action notices include bureau details, dispute rights, and CFPB contact information.

TCPA, Text Message Compliance

Prior express written consent tracked per customer. STOP/UNSUBSCRIBE keywords processed instantly. Consent checked on every outbound message with a full audit trail.

CAN-SPAM, Email Compliance

Physical mailing address, functional unsubscribe, honest subject lines, and List-Unsubscribe headers on every automated email. Unsubscribes suppress across all campaigns in real time.

Red Flags Rule, Identity Theft Prevention

Flags suspicious documents, unusual address changes, bureau fraud alerts, and application inconsistencies. Flagged apps require manual review before proceeding.

FTC Buyer's Guide, Used Car Rule

Auto-generates FTC-compliant Buyer's Guides for every used vehicle, AS-IS or warranty with covered systems table (16 CFR §455). Printable PDF, bulk generation, Spanish version.

Regulation Z / TILA, Payment Disclosures

Federal Box disclosures (APR, Finance Charge, Amount Financed, Total of Payments) in Reg Z format. Built into the deal desk; ad-copy checks flag missing trigger-term disclosures.

FTC Safeguards Rule, Data Security

Role-based access (5 levels, 25+ permissions), TLS in transit, MFA via Clerk, audit logging on sensitive ops, designated qualified individual oversight.

Record Retention & Audit Readiness

OFAC screenings, credit apps, adverse action notices, Form 8300 data, consent records, and deal jackets stored with retention dates. Export any record for auditors on demand.

What we don't replace

Aerolot provides compliance tools and automated workflows, not legal advice.

We recommend every dealership:

Consult with a compliance attorney familiar with your state's specific requirements.
Designate a Qualified Individual per FTC Safeguards Rule requirements.
Conduct annual risk assessments beyond what any software platform provides.
Train all staff on compliance procedures (we provide the tools, you provide the training).

Aerolot makes compliance easier to manage, not optional to understand.

Every compliance feature is in every plan

Compliance shouldn't be a premium upsell.

Feature	Growth	Professional	Enterprise
OFAC SDN Screening	✓	✓	✓
Form 8300 Cash Tracking	✓	✓	✓
FCRA Consent Capture	✓	✓	✓
Adverse Action Notices	✓	✓	✓
TCPA Consent Management	✓	✓	✓
CAN-SPAM Compliance	✓	✓	✓
Red Flags Alerts	✓	✓	✓
FTC Buyer's Guide Generator	✓	✓	✓
Reg Z Payment Disclosures	✓	✓	✓
Role-Based Access Controls	✓	✓	✓
5-Year Record Retention	✓	✓	✓
Compliance Dashboard	✓	✓	✓
700Credit Bureau Pulls	,	,	✓
Lender Submission (RouteOne)	,	,	✓

See the full feature matrix on the features page.

Ready to see compliance in action?

Book a 15-minute demo. We'll walk through OFAC screening, consent tracking, and the Form 8300 workflow live.

Book a demo →

david@aerolot.ai · 315-572-0710