Unfair or Deceptive Fees Trade Regulation Rule Commission Matter No. R207011
The FTC proposes a new rule to ban deceptive or unfair fees, including hidden or misleading charges in auto dealer transactions. This could affect how dealers advertise and disclose fees like doc fees, add-on products, and GAP waivers.
Aforeworn detected this change in the Auto Dealer F&I Compliance space on July 6, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated High urgency. All auto dealers (franchise, independent, BHPH) and F&I managers should confirm how it applies to their specific situation before acting. There is a time constraint attached: Comment period ends January 9, 2023 (extended from original deadline).. Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Auto Dealer F&I Compliance continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.
What changed
The FTC is proposing a rule to prohibit unfair or deceptive fees, which would require clear upfront disclosure of all fees and ban hidden charges. This may impact current practices around doc fees, add-on products, and advertising.
Who it affects
All auto dealers (franchise, independent, BHPH) and F&I managers
What you must do
Review current fee disclosure practices and advertising for compliance with proposed rule; submit comments to FTC by deadline.
Deadline
Comment period ends January 9, 2023 (extended from original deadline).
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